§ 1002.7 Rules concerning extensions of credit.
(2) Unsecured credit.
- 1002 (Regulation B)
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Comment for 1002.14 - Rules on Providing Appraisals and Valuations
Even if the transaction will not be consummated (for closed-end credit) or the account will not be opened
- 1002 (Regulation B)
Comment for 1002.7 - Rules Concerning Extensions of Credit
In assessing the creditworthiness of a person who applies for credit in a community property state, a
- 1002 (Regulation B)
Comment for 1002.10 - Furnishing of Credit Information
In designating accounts and reporting credit information, a creditor need not distinguish between accounts
- 1002 (Regulation B)
§ 1002.14 Rules on providing appraisals and other valuations.
an applicant, not later than the third business day after the creditor receives an application for credit
- 1002 (Regulation B)
Comment for 1002.9 - Notifications
Credit scoring - method for selecting reasons.
- 1002 (Regulation B)
Comment for 1002.9 - Notifications
applicant's last known address or, in the case of an oral notification, when the creditor communicates the credit
- 1002 (Regulation B)
Comment for 1002.12 - Record Retention
prohibited information as provided in § 1002.12(a), the creditor may use the information in evaluating credit
- 1002 (Regulation B)
§ 1002.6 Rules concerning evaluation of applications.
(ii) In an empirically derived, demonstrably and statistically sound, credit scoring system, a creditor
- 1002 (Regulation B)
§ 1002.6 Rules concerning evaluation of applications.
not take into account whether there is a telephone listing in the name of an applicant for consumer credit
- 1002 (Regulation B)
Comment for 1002.2 - Definitions
Denial of credit at point of sale is not adverse action except under those circumstances specified in
- 1002 (Regulation B)
Comment for 1002.15 - Incentives for Self-Testing and Self-Correction
not be available and could not be derived from loan or application files or other records related to credit
- 1002 (Regulation B)
§ 1002.8 Special purpose credit programs.
persons that the program is designed to benefit and sets forth the procedures and standards for extending credit
- 1002 (Regulation B)
Comment for 1002.7 - Rules Concerning Extensions of Credit
be used for determining eligibility and premium rates for insurance, however, and not in making the credit
- 1002 (Regulation B)
§ 1002.11 Relation to state law.
apply to the Bureau for an exemption from the requirements of the Act and this part for any class of credit
- 1002 (Regulation B)
Comment for 1002.7 - Rules Concerning Extensions of Credit
If a transaction account (such as a checking account or NOW account) includes an overdraft line of credit
- 1002 (Regulation B)
Comment for 1002.7 - Rules Concerning Extensions of Credit
When an applicant requests individual credit but does not meet a creditor's standards, the creditor may
- 1002 (Regulation B)
Comment for 1002.9 - Notifications
When an applicant expressly withdraws a credit application, the creditor is not required to comply with
- 1002 (Regulation B)
§ 1002.8 Special purpose credit programs.
(2) Any credit assistance program offered by a not-for-profit organization, as defined under section
- 1002 (Regulation B)
Comment for 1002.12 - Record Retention
the potential recipients of the particular solicitation and to determine who will actually be offered credit
- 1002 (Regulation B)
Comment for 1002.3 - Limited Exceptions for Certain Classes of Transactions
Under this section, procedural requirements of the regulation do not apply to certain types of credit
- 1002 (Regulation B)
Comment for 1002.3 - Limited Exceptions for Certain Classes of Transactions
A telephone company's credit transactions qualify for the exceptions provided in § 1002.3(a)(2)
- 1002 (Regulation B)
Comment for 1002.6 - Rules Concerning Evaluation of Applications
Some credit systems segment the population and use different scorecards based on the age of an applicant
- 1002 (Regulation B)
Comment for 1002.9 - Notifications
specific information about the consumer and tells the consumer the loan amount, rate, and other terms of credit
- 1002 (Regulation B)
Appendix C to Part 1002 — Sample Notification Forms
Form C-1 contains the Fair Credit Reporting Act disclosure as required by sections 615(a) and (b) of
- 1002 (Regulation B)