Comment for 1026.28 - Effect on State Laws
Preemption under the Fair Credit and Charge Card Disclosure Act does not extend to state laws applying
- 1026 (Regulation Z)
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Comment for 1026.52 - Limitations on Fees
Delinquent balance for charge card accounts.
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
The card issuer receives a check for $100 on March 23, which is returned to the card issuer for insufficient
- 1026 (Regulation Z)
Comment for 1026.54 - Limitations on the Imposition of Finance Charges
On April 25, the card issuer receives $500 in excess of the required minimum periodic payment.
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
On July 16, § 1026.55(b)(3)(ii) permits the card issuer to apply the variable rate determined using
- 1026 (Regulation Z)
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
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
Although § 1026.55(b)(4)(ii) requires the card issuer to reduce an annual percentage rate, fee,
- 1026 (Regulation Z)
Comment for 1026.58 - Internet Posting of Credit Card Agreements
For example, assume that, with respect to the card issuer's 3,000 open accounts with credit cards usable
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
Same facts as in paragraph ii.B above except that, on November 2 of year two, the card issuer has not
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
on December 31 of year one the annual percentage rate that applies to a $5,000 balance on a credit card
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
Any charge imposed on a credit cardholder by a card issuer for the use of an automated teller machine
- 1026 (Regulation Z)
Comment for 1026.13 - Billing Error Resolution
While the card issuer does not have to restore or prevent the debiting of a disputed amount if the billing
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
provided in comments 52(a)(2)–2 and–3, § 1026.52(a) applies to any fees or other charges that a card
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
Assume that, during year one, a card issuer experienced 1 million delinquencies and incurred $26 million
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
Assume that, during year one, a card issuer experienced 150,000 returned payments and incurred $3.1 million
- 1026 (Regulation Z)
Comment for 1026.53 - Allocation of Payments
The consumer completes and submits to the card issuer a form or payment coupon provided by the card issuer
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
After a card issuer has waived or rebated interest, fees, or other charges subject to § 1026.55
- 1026 (Regulation Z)
§ 1026.13 Billing error resolution.
If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed
- 1026 (Regulation Z)
§ 1026.61 Hybrid prepaid-credit cards.
arrangement described in paragraph (a)(5)(iii)(C)(1) of this section, or at any time afterwards, the prepaid card
- 1026 (Regulation Z)
Comment for 1026.9 - Subsequent Disclosure Requirements
Section 1026.59 requires a card issuer to review rate increases imposed due to the revocation of a temporary
- 1026 (Regulation Z)
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
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
Same facts as in paragraph ii.B above except that the card issuer does not send a notice on December
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
On June 1, the card issuer offers the consumer a 5% rate for six months on a balance transfer of at least
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
(2) provides that an annual percentage rate that varies according to an index that is not under the card
- 1026 (Regulation Z)
Comment for 1026.61 - Hybrid Prepaid-Credit Cards
for purposes of this regulation in relation to credit in connection with a prepaid account or prepaid card
- 1026 (Regulation Z)