Comment for 1026.53 - Allocation of Payments
For example, assume that a credit card account has a balance subject to a deferred interest program that
- 1026 (Regulation Z)
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Comment for 1026.7 - Periodic Statement
When making the repayment disclosures on the periodic statement pursuant to § 1026.7(b)(12), a card
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
violations are based on the same event or transaction such that § 1026.52(b)(2)(ii) prohibits the card
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
(g) notice is not charged to the account prior to the effective date of the change or increase, the card
- 1026 (Regulation Z)
Comment for 1026.58 - Internet Posting of Credit Card Agreements
merchants or other persons that agree among each other, by contract or otherwise, to accept a credit card
- 1026 (Regulation Z)
Comment for 1026.60 - Credit and Charge Card Applications and Solicitations
advance fees required to be disclosed under § 1026.60(b)(8) include any charge imposed by the card
- 1026 (Regulation Z)
§ 1026.56 Requirements for over-the-limit transactions.
A consumer may affirmatively consent to the card issuer's payment of over-the-limit transactions at any
- 1026 (Regulation Z)
Comment for 1026.5 - General Disclosure Requirements
required, however, when the account is closed merely to assign it a new number (for example, when a credit card
- 1026 (Regulation Z)
Comment for 1026.12 - Special Credit Card Provisions
Notice also may be effective even though it is not given at the address or phone number disclosed by the card
- 1026 (Regulation Z)
Comment for 1026.13 - Billing Error Resolution
information appearing on a periodic statement is incorrect because a person honoring the consumer's credit card
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
charge attributable to a periodic interest rate, during the first year after account opening that the card
- 1026 (Regulation Z)
Comment for 1026.60 - Credit and Charge Card Applications and Solicitations
In the case of credit unions, this paragraph applies to applications and solicitations to open card accounts
- 1026 (Regulation Z)
Comment for 1026.61 - Hybrid Prepaid-Credit Cards
A prepaid account number that can access such a digital wallet would be a hybrid prepaid-credit card
- 1026 (Regulation Z)
Comment for 1026.59 - Reevaluation of Rate Increases
For example, assume a new credit card account under an open-end (not home-secured) consumer credit plan
- 1026 (Regulation Z)
§ 1026.53 Allocation of payments.
When a balance on a credit card account under an open-end (not home-secured) consumer credit plan is
- 1026 (Regulation Z)
§ 1026.59 Reevaluation of rate increases.
(1) If the issuer reduces the annual percentage rate applicable to a credit card account under an open-end
- 1026 (Regulation Z)
§ 1026.60 Credit and charge card applications and solicitations.
In determining which balance computation method to disclose, the card issuer shall assume that credit
- 1026 (Regulation Z)
Comment for 1026.2 - Definitions and Rules of Construction
(See § 1026.2(a)(17)(iv) for disclosure requirements when a credit card is used to obtain the advances
- 1026 (Regulation Z)
Comment for 1026.12 - Special Credit Card Provisions
The card issuer may not rely on § 1026.12(b)(5) if the business is clearly not in a position to
- 1026 (Regulation Z)
Comment for 1026.13 - Billing Error Resolution
For example, if a bank combines a periodic statement reflecting the consumer's credit card transactions
- 1026 (Regulation Z)
Comment for 1026.13 - Billing Error Resolution
Requiring a written, signed statement from the consumer (or authorized user, in the case of a credit card
- 1026 (Regulation Z)
Comment for 1026.51 Ability To Pay
A card issuer is permitted to consider the amount of the non-applicant's income that is being transferred
- 1026 (Regulation Z)
Comment for 1026.51 Ability To Pay
requirement under § 1026.51(b)(2) that a cosigner, guarantor, or joint accountholder for a credit card
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
On January 1 of year two, § 1026.55(b)(4)(ii) requires the card issuer to reduce the rate that applies
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
On January 1 of year two, § 1026.55(b)(4)(ii) requires the card issuer to reduce the rate that applies
- 1026 (Regulation Z)