In this section 7 (2)(ii) and this section 7 (1)(a) and (b), “account” means a consumer credit account (excluding revolving credit accounts, revolving consumer credit accounts and installment consumer credit accounts) under which the consumer is obligated to make periodic payments of a principal sum (or a portion of a principal sum) for a period of more than 12 months and of more than one dollar (1); (a) that may be secured by the consumer's principal dwelling; and (b) and (c) that have a maximum periodic interest rate not less than the prime rate applicable to the type of credit transaction to which the account relates as specified by the Administrator.
In this section 7 (2)(ii) and this section 7 (1)(a) and (b), “consumer credit account” means:
(i) any credit account other than a consumer credit account described in 1 (a), 2 (b) or 4 (c) of this section;
(ii) an individual's credit union credit card, except as defined in 10 U.S.C. 1672e(a)(1)(ii) and (e);
(iii) any unsecured revolving charge account under an open-end credit plan or any other credit plan to which the consumer is referred by an employer or a third party; or
(iv) an installment loan for the purposes of Sec. 1219 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (15 U.S.C. 6601 et seq.), if the borrower is an individual and is under the age of 17 or is indebted an individual on whose behalf the borrower is seeking to comply with a judgment or other order, whether in a court proceeding or in arbitration.
(2) The Bank shall provide the following information in the manner and format, and in accordance with the procedures, prescribed by the Administrator:
(a) The name of the bank;
(b) The branch number of the bank;
(c) The state in which the bank is located and any locality designated for the bank;
(d) Its home office phone number;
(e) The date of the first opening of the bank account;
(f) The description of the consumer's existing credit information, as set forth in Sec. 1119.
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Consumer Deposit Account Agreement and
Disclosure Statement and
Bank oh Consumer Electronic Financial
Services Agreement and Disclosure StatementDDA721×E (Rev 22013)1Table of Contents
Section I:
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