41(i) of this part; and (iv) All debt cancellation, debt suspension, and any other applicable fees, charges, and deductibles are disclosed in writing and are consistent with the disclosure requirements under § 1026.51(e) of this part. No provision of an agreement with respect to an extended repayment plan under Rule 1073.1(c)(2) or other extended repayment agreement under § 1026.51(a)(1)(ii)(A)(2)(ii) as a condition of obtaining financing from the Federal Reserve System may be excluded from the finance charge if it is not reasonably clear that the Federal Reserve System is obligated to pay in advance the unpaid balance of the obligation to the creditor, except that the creditor is not required to submit an itemized statement to the creditor under § 1026.54(b)(2)(vi)(B), if paragraph (b)(2)(iv)(B) of this section is not met. An exception to paragraph (b)(2)(iv) of this section does not apply to a finance charge as a result of a consumer's failure to timely notify the creditor of the death, illness, or lapse in health of a spouse, former spouse, parent, child, or grandparent.
(3) Other terms and conditions. If a creditor provides an extension of credit to the consumer under a revolving loan account plan or similar arrangement pursuant to a revolving loan account plan or similar arrangement, other terms and conditions under which the transaction will be made are also disclosed.
[Codified to 12 C.F.R. § 1026.31]
[Section 1026.31 amended at 78 Fed. Reg. 84332, February 14, 2013, effective July 29, 2013; 78 Fed. Reg. 11489, February 14, 2013, effective March 17, 2013]
§ 1026.32 Balance on account.
(a) General. If the finance charge is disclosed in a disclosure under paragraph (b) of this section, the balance due on the extension of credit is disclosed by the amount, to the nearest five-percent increment, and the length of the credit is also disclosed.
(b) Extended disclosure of balance due.
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Federal Reserve System
the obligation or for debt cancellation or debt suspension coverage in the event of the loss of life, health, or income or in case of accident may be excluded from the finance
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What is 12 cfr 2265a?
12 CFR 2265a is a code of federal regulations that pertains to reporting requirements for certain financial institutions.
Who is required to file 12 cfr 2265a?
Specific financial institutions, as defined by the regulations, are required to file 12 CFR 2265a.
How to fill out 12 cfr 2265a?
The specific process for filling out 12 CFR 2265a may vary depending on the financial institution, but generally, it involves providing the required information and submitting it through the designated reporting system.
What is the purpose of 12 cfr 2265a?
The purpose of 12 CFR 2265a is to ensure that certain financial institutions report relevant information to regulatory authorities, promoting transparency and accountability.
What information must be reported on 12 cfr 2265a?
The specific information required to be reported on 12 CFR 2265a is outlined in the regulations and may include financial data, risk assessments, and other relevant information.
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The deadline to file 12 CFR 2265a in 2023 is typically specified in the regulations or related guidance provided by regulatory authorities. Please refer to the specific requirements for the current year.
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The penalties for late filing of 12 CFR 2265a may vary depending on the jurisdiction and the specific circumstances. It is important to consult the regulations and applicable laws or seek legal advice to determine the exact penalties.
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