Credit cards penalty fees model forms and clauses
Download open-end sample forms and clauses.
The revised sample forms or clauses in the table below are samples and card issuers are required to state in their disclosures the late fee amounts, or the maximum late fee amount that they charge. Smaller Card Issuers, as defined under the final rule, may use the relevant safe harbor thresholds set forth in Regulation Z, 12 CFR § 1026.52(b)(1)(ii)(A)-(C).
| Description | Action |
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G-10(B): Applications and Solicitations Sample (Credit Cards) (§ 1026.60(b)) |
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G-10(C): Applications and Solicitations Sample (Credit Cards) (§ 1026.60(b)) |
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G-10(E): Applications and Solicitations Sample (Charge Cards) (§ 1026.60(b)) |
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G-17(B): Account-opening Sample (§ 1026.6(b)(2)) |
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G-17(C): Account-opening Sample (§ 1026.6(b)(2)) |
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G-18(A): Transactions; Interest Charges; Fees Sample (§ 1026.7(b)) |
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G-18(B): Late Payment Fee Sample (§ 1026.7(b)) |
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G-18(D): Periodic Statement New Balance, Due Date, Late Payment and Minimum Payment Sample (Credit cards) (§ 1026.7(b)) |
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G-18(F): Periodic Statement Form |
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G-18(G): Periodic Statement Form |
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G-21: Change-in-Terms Sample (Increase in Fees) (§ 1026.9(c)(2)) |