Comment for 1026.60 - Credit and Charge Card Applications and Solicitations
fees or the fact of fee waivers may be disclosed in the table in addition to the required fees if the card
- 1026 (Regulation Z)
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Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
balance transfer transactions are separate categories of transactions for purposes of § 1026.55 if a card
- 1026 (Regulation Z)
Comment for 1026.56 - Requirements for Over-the-Limit Transactions
Assume that a consumer has opted in to a card issuer's payment of over-the-limit transactions.
- 1026 (Regulation Z)
Comment for 1026.8 - Identifying Transactions on Periodic Statements
of sale where credit from a covered separate credit feature is accessed by a hybrid prepaid-credit card
- 1026 (Regulation Z)
Comment for 1026.9 - Subsequent Disclosure Requirements
Except as provided in § 1026.9(b)(3) for checks that access a credit card account, if the finance
- 1026 (Regulation Z)
Comment for 1026.9 - Subsequent Disclosure Requirements
Card issuers should refer to § 1026.9(c)(2) for additional timing, content, and formatting requirements
- 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
requirements of § 1026.51(a) also satisfies the requirements of § 1026.51(b)(1)(ii)(B) and card
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
1026.10(e)), fees for optional services (such as travel insurance), fees for reissuing a lost or stolen card
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
total of fees and interest charges plus 1% of the total amount owed or $20 (whichever is greater), the card
- 1026 (Regulation Z)
§ 1026.12 Special credit card provisions.
(ii) With respect to a covered separate credit feature accessible by a hybrid prepaid-credit card as
- 1026 (Regulation Z)
§ 1026.53 Allocation of payments.
The card issuer must allocate any amount paid by the consumer in excess of the required minimum periodic
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
initialed by any consumer, as defined in § 1026.2(a)(11), or by an authorized user on a credit card
- 1026 (Regulation Z)
Comment for 1026.51 Ability To Pay
the consumer (or if no request has been made, the date the credit line increase is considered by the card
- 1026 (Regulation Z)
Comment for 1026.51 Ability To Pay
The card issuer is not permitted to consider the non-applicant's income to be the applicant's current
- 1026 (Regulation Z)
Comment for 1026.54 - Limitations on the Imposition of Finance Charges
Under these circumstances, § 1026.54 does not apply and the card issuer may charge interest from
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
An account is considered open for purposes of § 1026.55(b)(3)(iii) on any date that the card issuer
- 1026 (Regulation Z)
Comment for 1026.61 - Hybrid Prepaid-Credit Cards
A prepaid account number that can access such a digital wallet is a hybrid prepaid-credit card where
- 1026 (Regulation Z)
Comment for 1026.61 - Hybrid Prepaid-Credit Cards
A transaction initiated using a prepaid card when there are sufficient or available funds in the asset
- 1026 (Regulation Z)
Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions
of § 1026.19(e)(2)(i) if the creditor or other person requires the consumer to provide a 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)
Comment for Appendix G - Open-End Model Forms and Clauses
While proper use of the model forms will be deemed in compliance with the regulation, card issuers and
- 1026 (Regulation Z)
Comment for 1026.1 - Authority, Purpose, Coverage, Organization, Enforcement and Liability
For example, if a U.S. resident has a credit card account located in the consumer's state issued by a
- 1026 (Regulation Z)
Comment for 1026.60 - Credit and Charge Card Applications and Solicitations
In this example, the card issuer in disclosing the penalty rate must disclose 15 percent as the current
- 1026 (Regulation Z)
§ 1026.58 Internet posting of credit card agreements.
(4) The card issuer must update the agreements posted on its Web site pursuant to § 1026.58(d)
- 1026 (Regulation Z)