Comment for 1026.52 - Limitations on Fees
Assume that the billing cycles for a credit card account with a credit limit of $5,000 begin on the first
- 1026 (Regulation Z)
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Search for terms in the sections, interpretations, and appendices in the Bureau regulations we currently have online.
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Comment for 1026.54 - Limitations on the Imposition of Finance Charges
As a general matter, a card issuer has not provided a grace period with respect to transactions for purposes
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
Once an increased rate has gone into effect, the card issuer cannot calculate interest charges based
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
completion or failure of a workout or temporary hardship arrangement, § 1026.55(b)(5)(ii) prohibits the card
- 1026 (Regulation Z)
Comment for 1026.57 - Reporting and Marketing Rules for College Student Open-End Credit
report to the Bureau include, among other items, a copy of any memorandum of understanding between the card
- 1026 (Regulation Z)
Comment for 1026.58 - Internet Posting of Credit Card Agreements
An institution that is the card issuer as defined in § 1026.58(b)(4) has a legal obligation to comply
- 1026 (Regulation Z)
Comment for 1026.58 - Internet Posting of Credit Card Agreements
For example, a card issuer offers two types of credit card accounts that differ only with respect to
- 1026 (Regulation Z)
Comment for 1026.60 - Credit and Charge Card Applications and Solicitations
to make a purchase under § 1026.60(b)(4) in cases where a consumer uses a hybrid prepaid-credit card
- 1026 (Regulation Z)
Comment for 1026.61 - Hybrid Prepaid-Credit Cards
feature is offered by the prepaid account issuer, its affiliate, or its business partner, a prepaid card
- 1026 (Regulation Z)
§ 1026.2 Definitions and rules of construction.
(iv) For purposes of subpart B (except for the credit and charge card disclosures contained in §§
- 1026 (Regulation Z)
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
(ii) If the card issuer receives six consecutive required minimum periodic payments on or before the
- 1026 (Regulation Z)
Comment for 1026.6 - Account-Opening Disclosures
Issuers of credit card accounts under an open-end (not home-secured) consumer credit plan are subject
- 1026 (Regulation Z)
Comment for 1026.12 - Special Credit Card Provisions
Sufficient identification also does not exist if a “pool” or group card, issued to a corporation and
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
Same facts as in paragraph v above except that the card issuer offers the 5% rate for six months on all
- 1026 (Regulation Z)
Comment for 1026.56 - Requirements for Over-the-Limit Transactions
A card issuer may charge an over-the-limit fee or charge only if the consumer has exceeded the credit
- 1026 (Regulation Z)
Comment for 1026.56 - Requirements for Over-the-Limit Transactions
Assume that a consumer has opted into a card issuer's payment of over-the-limit transactions.
- 1026 (Regulation Z)
§ 1026.61 Hybrid prepaid-credit cards.
terms, conditions, or features to the prepaid account when a consumer authorizes linking the prepaid card
- 1026 (Regulation Z)
Comment for 1026.6 - Account-Opening Disclosures
account in connection with a covered separate credit feature accessible by a hybrid prepaid-credit card
- 1026 (Regulation Z)
Comment for 1026.51 Ability To Pay
A card issuer may consider any current or reasonably expected income or assets of the consumer or consumers
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
The card issuer does not receive any payment on or before November 3.
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
Same facts as above except that the card issuer receives the $100 check on March 31 and the check is
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
Section 1026.52(b)(2)(ii) prohibits a card issuer from imposing more than one fee for violating the terms
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
On November 1, the card issuer offers the consumer a 0% rate for six months on purchases made during
- 1026 (Regulation Z)
Comment for 1026.13 - Billing Error Resolution
Whether use of a credit card or open-end credit plan is authorized is determined by state or other applicable
- 1026 (Regulation Z)
Comment for 1026.28 - Effect on State Laws
A state law that permits consumers to assert claims and defenses against the card issuer without regard
- 1026 (Regulation Z)