Do I need to send an adverse letter

[Mandy Liu]

Hi - If I were to reject applicant due to credit done through cozy, am I still required to send an adverse letter? If so - is email ok? 

Per Cozy's website :

If you reject their application based on credit, the applicant will already have access to their report within Cozy, which satisfies the federal requirement that landlord’s share with rejected applicants the credit report that was relied upon to deny an application.