Provident Funding recommends use of the e-mail delivery method for loan disclosures to reduce delivery times and waiting periods." AmTrust, soon to be NYCB Mortgage Company, spread the word to its clients that "Effective for loans with an Initial AU submission on or after January 1st, 2011, the Credit Score Disclosure that is provided to borrowers must comply with the requirements set forth in Sections 609 (f) and 615 (h) of the Fair Credit Reporting Act. The new rule requires, amongst other things, that a distribution of credit scores be presented in a bar graph or a clear and readily understandable statement informing the consumer how his or her credit score compares to the scores of other consumers."