Comment for 1026.53 - Allocation of Payments
When a consumer has asserted a claim or defense against the card issuer pursuant to § 1026.12(c)
- 1026 (Regulation Z)
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Comment for 1026.53 - Allocation of Payments
Assume that a credit card account has a cash advance balance of $500 at an annual percentage rate of
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Comment for 1026.54 - Limitations on the Imposition of Finance Charges
account state that trailing or residual interest will be waived in these circumstances or it is the card
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Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
Assume that a card issuer discloses at account opening on January 1 of year one that the annual fee for
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Comment for 1026.60 - Credit and Charge Card Applications and Solicitations
A membership fee to join an organization that provides a credit or charge card as a privilege of membership
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Comment for 1026.60 - Credit and Charge Card Applications and Solicitations
A card issuer disclosing a periodic fee must disclose the amount of the fee, how frequently it will be
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§ 1026.12 Special credit card provisions.
stated in paragraph (c)(3)(i)(B) of this section shall not apply when the person honoring the credit card
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§ 1026.51 Ability to Pay.
(2) If the applicable minimum payment formula includes mandatory fees, the card issuer must assume that
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§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
(i) The card issuer must disclose in a clear and conspicuous manner in the notice of the increase pursuant
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§ 1026.56 Requirements for over-the-limit transactions.
(ii) Provides a reasonable opportunity for the consumer to affirmatively consent, or opt in, to the card
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§ 1026.58 Internet posting of credit card agreements.
(A) Is offered for accounts under one or more private label credit card plans each of which has fewer
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§ 1026.60 Credit and charge card applications and solicitations.
A card issuer must disclose that the fee is a one-time fee.
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Comment for 1026.5 - General Disclosure Requirements
)(2) and related commentary for guidance on fees for issuance or availability of a credit or charge card
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Comment for 1026.11 - Treatment of Credit Balances; Account Termination
A card issuer may credit the account for fees and charges imposed after the date of receiving reasonable
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Comment for 1026.11 - Treatment of Credit Balances; Account Termination
A card issuer may waive the estate's liability for all charges made to the account after receiving reasonable
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Comment for 1026.12 - Special Credit Card Provisions
Nothing in this provision prohibits the card issuer from undertaking its normal collection activities
- 1026 (Regulation Z)
Comment for 1026.9 - Subsequent Disclosure Requirements
Section 1026.9(c)(2)(iv)(A)(8) requires card issuers to disclose the principal reason(s) for increasing
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
Assume that a charge card issuer requires payment of outstanding balances in full at the end of each
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
On July 1, the card issuer provides a notice pursuant to § 1026.9(c) informing the consumer that
- 1026 (Regulation Z)
Comment for 1026.60 - Credit and Charge Card Applications and Solicitations
However, if a primary purpose of a card issuer's mailing is to offer credit or charge card accounts -
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Comment for 1026.61 - Hybrid Prepaid-Credit Cards
The person offering the non-covered separate credit feature does not become a card issuer under §
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§ 1026.12 Special credit card provisions.
(2) The card issuer shall, within 3 business days from receipt of a credit statement, credit the consumer's
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§ 1026.56 Requirements for over-the-limit transactions.
The dollar amount of any fees or charges assessed by the card issuer on a consumer's account for an over-the-limit
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Comment for 1026.61 - Hybrid Prepaid-Credit Cards
The following examples are circumstances in which a card issuer would not meet the condition of §
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Appendix M1 to Part 1026 — Repayment Disclosures
means terms of a cardholder's account that will expire in a fixed period of time, as set forth by the card
- 1026 (Regulation Z)