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Truth in Lending: G-24—Deferred Interest Offer Clauses

(a) For Credit Card Accounts Under an Open-End (Not Home-Secured) Consumer Credit Plan

[Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the/by [deferred interest period/date] or if you make a late payment.]

(b) For Other Open-End Plans

[Interest will be charged to your account from the purchase date if the purchase balance is not paid in full within the/by [deferred interest period/date] or if your account is otherwise in default.]

Truth in Lending: G-25(A)—Consent Form for Over-the-Credit Limit Transactions

Your Choice Regarding Over-the-Credit Limit Coverage

Unless you tell us otherwise, we will decline any transaction that causes you to go over your credit limit. If you want us to authorize these transactions, you can request over-the-credit limit coverage.

If you have over-the-credit limit coverage and you go over your credit limit, we will charge you a fee of up to $35. We may also increase your APRs to the Penalty APR of XX.XX%. You will only pay one fee per billing cycle, even if you go over your limit multiple times in the same cycle.

Truth in Lending: G-25(B)—Revocation Notice for Periodic Statement Regarding Over-the-Credit Limit Transactions

You currently have over-the-credit limit coverage on your account, which means that we pay transactions that cause you go to over your credit limit. If you do go over your credit limit, we will charge you a fee of up to $35. We may also increase your APRs. To remove over-the-credit-limit coverage from your account, call us at 1-800-xxxxxxx or visit [insert Web site]. [You may also write us at: [insert address].]

[You may also check or initial the box below and return this form to us at: [insert address].

___ I want to cancel over-the-limit coverage for my account.

Truth in Lending: Amendment History

[46 Fed. Reg. 20,892 (Apr. 7, 1981), as amended at 46 Fed. Reg. 60,191 (Dec. 9, 1981); 54 Fed. Reg. 13,868 (Apr. 6, 1989); 54 Fed. Reg. 24,689 (June 9, 1989); 55 Fed. Reg. 38,312 (Sept. 18, 1990); 65 Fed. Reg. 58,908 (Oct. 3, 2000); 66 Fed. Reg. 43,463 (Aug. 20, 2001); 75 Fed. Reg. 7825 (Feb. 22, 2010); 75 Fed. Reg. 37,573 (June 29, 2010); 76 Fed. Reg. 79,772 (Dec. 22, 2011)]

Truth in Lending: H-3-Amount Financed Itemization Model Form

Itemization of the Amount Financed of $___

$__________________ Amount given to you directly

$__________________ Amount paid on your account

Amount paid to others on your behalf

$___ to [public officials]

[credit bureau]

[appraiser]

[insurance company]

$___ to (name of another creditor)

$___ to (other)

$___ Prepaid finance charge

Truth in Lending: H-4(A)-Variable-Rate Model Clauses

The annual percentage rate may increase during the term of this transaction if:

[the prime interest rate of (creditor) increases.]

[the balance in your deposit account falls below $_______________.]

[you terminate your employment with (employer).]

[The interest rate will not increase above ______%.]

[The maximum interest rate increase at one time will be ______%.]

[The rate will not increase more than once every (time period).]

Any increase will take the form of:

[higher payment amounts.]

Truth in Lending: H-4(C)—Variable-Rate Model Clauses

Editor’s Note284

This disclosure describes the features of the adjustable-rate mortgage (ARM) program you are considering. Information on other ARM programs is available upon request.

How Your Interest Rate and Payment Are Determined