1. Reg Z: Non-Real Estate KNOWLEDGE. CLARITY. RELIABILITY.
(888)

2. Coverage
Unsecured
Boat
Vehicle
Credit Cards

3. ScenarioS
Scenarios 1-8, PGS. 3-8

4. Open-end credit Disclosures
Initial
First Draw
Change-in-Terms
45 Days Prior to Change
Periodic Statement
14 days/Quarterly
Billing Error
Annually or Periodic

5. Open-End Periodic statements

6. open-end SUBSEQUENT DISCLOSUREs
Billing Error Rights
Change in Terms

7. Credit Cards Requirements & Prohibitions Fund Allocation
Fee Limitations
Over-the-Limit Opt-in
Application & Solicitation
Periodic Statements
Posting and Submission

8. Borrower Under 21 Written Application Ability-to-Repay Co-Signer
Increase Prohibition

9. Closed-End Loans
“TIL”
Timing
Multiple Consumers

10. Private Education Loans
20 year old applies
(Application Disclosure)
Creditor Approves loan
Creditor sends notice of approval (Approval Disclosure)
30 days to accept
Borrower Accepts Loan
Closing Costs + Right to Cancel Disclosure
Closing
Right of Rescission Period (Three Business Days)

11. Scenario
Scenarios 9-10, PG. 28

12. Questions?
If you have any additional questions, contact Compliance Alliance at or