A lender reports a borrower's ethnicity and race on the HMDA LAR as "information not provided by applicant in mail, internet, or telephone application." When is this coding valid?

Only for in-person applications where the borrower declines Always — the lender can use this code for any application channel When the lender forgets to ask during a face-to-face interview Only when the application was taken via mail, internet, or telephone AND the borrower chose not to provide the information