§ 1026.57 Reporting and marketing rules for college student open-end credit.
(5) College credit card agreement.
- 1026 (Regulation Z)
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(5) College credit card agreement.
If a consumer has duplicate credit cards on the same account (Card A - one type of bank credit card,
The card issuer generally treats one-time transfers of credit using the credit card account number to
Model clause (a) is for use in connection with credit card accounts under an open-end (not home-secured
(11) With regard to a covered separate credit feature and an asset feature on a prepaid account that
(A) Periodic statements provided solely for charge card accounts, other than covered separate credit
If an advertisement for credit states specific credit terms, it shall state only those terms that actually
If an advertisement for credit states specific credit terms, it shall state only those terms that actually
The following examples illustrate transactions where credit can be drawn, transferred, or authorized
(14) Available credit.
in accordance with the Real Estate Settlement Procedures Act and, based on its past average cost for credit
transaction is initiated, the card can be used to draw, transfer, or authorize the draw or transfer of credit
Preemption under the Fair Credit and Charge Card Disclosure Act does not extend to state laws applying
Paragraphs (c)(1) and (2) of this section apply to closed-end consumer credit transactions secured by
A person (other than a prepaid account issuer or its affiliates) that can extend credit through a separate
result on the asset feature in circumstances other than those described in comment 61(b)–2.i and ii, credit
This section applies when a card issuer receives a payment or other credit that exceeds by more than
(a) Business, commercial, agricultural, or organizational credit.
(b) Credit over applicable threshold amount —
(4) Appraisal, investigation, and credit report fees.
(ii) For an open-end credit plan:
(v) An extension of credit made by:
(2) Credit line increases for young consumers.
Price tags that contain credit information.
3(b) Credit Over Applicable Threshold Amount