Comment for 1002.11 - Relation to State Law
Section 4112.021(B)(1) - Unlawful discriminatory practices in credit transactions.
- 1002 (Regulation B)
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Comment for 1002.2 - Definitions
The amount of a transaction exceeds a cash advance or credit limit.
- 1002 (Regulation B)
Comment for 1002.2 - Definitions
An application for credit includes the following situations:
- 1002 (Regulation B)
Comment for 1002.6 - Rules Concerning Evaluation of Applications
A creditor using a credit scoring system that qualifies as “empirically derived” under § 1002.2(
- 1002 (Regulation B)
Comment for 1002.2 - Definitions
The term creditor includes all persons participating in the credit decision.
- 1002 (Regulation B)
§ 1002.5 Rules concerning requests for information.
collect information regarding the ethnicity, race, and sex of an applicant for an open-end line of credit
- 1002 (Regulation B)
§ 1002.7 Rules concerning extensions of credit.
require the signature of an applicant's spouse or other person, other than a joint applicant, on any credit
- 1002 (Regulation B)
Comment for 1002.15 - Incentives for Self-Testing and Self-Correction
For example, a creditor does not disclose the results of a self-test merely by offering to extend credit
- 1002 (Regulation B)
§ 1002.3 Limited exceptions for certain classes of transactions.
The following provisions of this part do not apply to securities credit:
- 1002 (Regulation B)
§ 1002.3 Limited exceptions for certain classes of transactions.
(i) That are not made pursuant to the terms of a credit card account;
- 1002 (Regulation B)
§ 1002.3 Limited exceptions for certain classes of transactions.
The following provisions of this part do not apply to incidental credit:
- 1002 (Regulation B)
§ 1002.12 Record retention.
For 25 months after the date on which an offer of credit is made to potential customers (12 months for
- 1002 (Regulation B)
Comment for 1002.14 - Rules on Providing Appraisals and Valuations
promptly upon completion,” or no later than three business days before consummation (for closed-end credit
- 1002 (Regulation B)
Comment for 1002.8 - Special Purpose Credit Programs
In designing a special purpose credit program under § 1002.8(a), a for-profit organization must
- 1002 (Regulation B)
§ 1002.3 Limited exceptions for certain classes of transactions.
The following provisions of this part do not apply to public utilities credit:
- 1002 (Regulation B)
Comment for 1002.7 - Rules Concerning Extensions of Credit
Requesting that the credit be granted on a secured basis (§ 1002.7(d)(4)); or
- 1002 (Regulation B)
§ 1002.2 Definitions.
(e) Applicant means any person who requests or who has received an extension of credit from a creditor
- 1002 (Regulation B)
Comment for 1002.13 - Information for Monitoring Purposes
The regulation requires written applications for the types of credit covered by § 1002.13.
- 1002 (Regulation B)
Comment for 1002.9 - Notifications
Once a creditor has obtained all the information it normally considers in making a credit decision, the
- 1002 (Regulation B)
Comment for 1002.2 - Definitions
scoring system or the data from which to develop such a system may be obtained from either a single credit
- 1002 (Regulation B)
§ 1002.1 Authority, scope and purpose.
The purpose of this part is to promote the availability of credit to all creditworthy applicants without
- 1002 (Regulation B)
§ 1002.11 Relation to state law.
(v) Prohibits inquiries necessary to establish or administer a special purpose credit program as defined
- 1002 (Regulation B)
Comment for 1002.2 - Definitions
An empirically derived, demonstrably and statistically sound, credit scoring system may include age as
- 1002 (Regulation B)
§ 1002.5 Rules concerning requests for information.
paragraphs (b) through (d) of this section, a creditor may request any information in connection with a credit
- 1002 (Regulation B)
Comment for 1002.2 - Definitions
Application for increase in available credit.
- 1002 (Regulation B)