Regulation Z - Open-End Consumer Credit Changes Notice of Statutory Amendment; Additional Guidance
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Regulation Z - Open-End Consumer Credit Changes Notice of Statutory Amendment; Additional Guidance

Filetype[PDF-1.32 MB]


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Details:

  • Publisher's site:
  • Corporate Authors:
    Federal Deposit Insurance Corporation (FDIC)
  • Description:
    On November 6, 2009, President Obama signed the Credit CARD Technical Corrections Act of 2009, which narrowed the scope of application of the Credit CARD Act's requirement that creditors mail or deliver periodic statements at least 21 days before the payment due date to credit card accounts only. Previously, this requirement applied to all forms of open-end credit, including home equity lines of credit. This Financial Institution Letter (FIL) updates the information provided in FIL-44-2009, "Regulation Z – Open-End Credit Changes," by notifying bankers of this statutory change and providing additional guidance on how to provide the required advance notice of change(s) in interest rates or other significant terms.
  • Content Notes:
    FIL-44-2009
  • Subject:
  • Dataset Download URL:
  • Format:
    PDF
  • Release Date:
    12/23/2009
  • Update Date:
    11/26/2018
  • Withdrawn Date:
    12/01/2018
  • Agencies Involved:
    Federal Deposit Insurance Corporation (FDIC);Board of Governors of the Federal Reserve System;
  • Fdic Employee Involved:
    Sandra L. Thompson;Deirdre Foley;Denise Beiswanger;
  • Law Involved:
    Credit CARD Technical Corrections Act of 2009
  • Related Regulation:
    12 C.F.R. 226
  • Source:
    FDIC Website
  • Memorandum To:
    FDIC-Supervised Banks (Commercial and Savings)
  • FIL Number:
    FIL-74-2009
  • Main Document Checksum:
  • Download URL:
  • File Type:

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