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Appendix C to Part 1022 - Model Forms for Opt-Out Notices

C-1 Model Form for Initial Opt-out Notice (Single-Affiliate Notice) C-2 Model Form for Initial Opt-out

• • 1022 (Regulation V)

§ 1016.7 Form of opt out notice to consumers; opt out methods.

(c) Initial notice required when opt out notice delivered subsequent to initial notice.

• • 1016 (Regulation P)

§ 1026.13 Billing error resolution.

(b) Billing error notice. A billing error notice is a written notice from a consumer that:

• • 1026 (Regulation Z)

§ 1016.6 Information to be included in privacy notices.

(3) You must deliver your short-form initial notice according to § 1016.9.

• • 1016 (Regulation P)

§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).

(q) Questions notice. In a separate notice labeled “Questions?”:

• • 1026 (Regulation Z)

§ 1022.43 Direct disputes.

(d) Direct dispute notice contents. A dispute notice must include:

• • 1022 (Regulation V)

§ 1022.26 Delivery of opt-out notices.

(b) Examples of reasonable expectation of actual notice.

• • 1022 (Regulation V)

§ 1016.7 Form of opt out notice to consumers; opt out methods.

(B) The only means of opting out as described in any notice subsequent to the initial notice is to use

• • 1016 (Regulation P)

§ 1022.26 Delivery of opt-out notices.

(c) Examples of no reasonable expectation of actual notice.

• • 1022 (Regulation V)

§ 1030.5 Subsequent disclosures.

(2) No notice required. No notice under this section is required for:

• • 1030 (Regulation DD)

§ 1024.37 Force-placed insurance.

(B) A statement that the notice is the second and final notice;

• • 1024 (Regulation X)

§ 1016.6 Information to be included in privacy notices.

(d) Short-form initial notice with opt out notice for non-customers.

• • 1016 (Regulation P)

§ 1005.10 Preauthorized transfers.

(2) Notice by payor.

• • 1005 (Regulation E)

Comment for 1005.8 Change-in-Terms Notice; Error Resolution Notice

Change between annual and periodic notice.

• • 1005 (Regulation E)

§ 1016.9 Delivering privacy and opt out notices.

(d) Oral description of notice insufficient.

• • 1016 (Regulation P)

§ 1024.37 Force-placed insurance.

(5) Updating notice with borrower information.

• • 1024 (Regulation X)

§ 1016.7 Form of opt out notice to consumers; opt out methods.

(1) Form of opt out notice.

• • 1016 (Regulation P)

§ 1016.9 Delivering privacy and opt out notices.

(f) Joint notice with other financial institutions.

• • 1016 (Regulation P)

§ 1022.23 Contents of opt-out notice; consolidated and equivalent notices.

A notice required by this subpart may be coordinated and consolidated with any other notice or disclosure

• • 1022 (Regulation V)

Comment for 1026.13 - Billing Error Resolution

Time of notice.

• • 1026 (Regulation Z)

§ 1022.24 Reasonable opportunity to opt out.

(5) By including in a privacy notice.

• • 1022 (Regulation V)

§ 1022.21 Affiliate marketing opt-out and exceptions.

(3) Affiliates who may provide the notice. The notice required by this paragraph must be provided:

• • 1022 (Regulation V)

§ 1022.27 Renewal of opt-out.

(3) Affiliates who may provide the notice. The notice required by this paragraph must be provided:

• • 1022 (Regulation V)

Comment for 1005.10 Preauthorized Transfers

Notice of credit.

• • 1005 (Regulation E)

§ 1022.54 Duties of users making written firm offers of credit or insurance based on information contained in consumer files

The short notice shall state that the consumer has the right to opt out of receiving prescreened solicitations

• • 1022 (Regulation V)