12 CFR 1026.58 - Internet posting of credit card agreements

Cite as12 CFR 1026.58
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16 practice notes
  • Arbitration Agreements
    • United States
    • Federal Register May 24, 2016
    • May 24, 2016
    ...using the Bureau's market monitoring authority. --------------------------------------------------------------------------- \152\ 12 CFR 1026.58(c) (requiring credit card issuers to submit their currently-offered credit card agreements to the Bureau to be posted on the Bureau's Web For prep......
  • Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z)
    • United States
    • Federal Register December 23, 2014
    • December 23, 2014
    ...site or in writing upon request. These new provisions in proposed Sec. 1005.19 would be similar to existing requirements in Regulation Z 12 CFR 1026.58 for open-end consumer credit card The Bureau is proposing Sec. 1005.19 pursuant to its disclosure authority in EFTA section 905(a), its adj......
  • Technical Specifications for Credit Card Agreement and Data Submissions Required Under TILA and the CARD Act (Regulation Z)
    • United States
    • Consumer Financial Protection Bureau
    • Invalid date
    ...U.S.C. 1632(d). 17Public Law 111–203, section 1100A, 124 Stat. 2081 (2010). See also supra note 2. 1876 FR 79768 (Dec. 22, 2011). 1912 CFR 1026.58(c)(1). A credit card issuer is not required to submit a credit card agreement to the Bureau pursuant to 12 CFR 1026.58, if it qualifies for the ......
  • Smith v. GC Servs. Ltd. P'ship, No. 18-1361
    • United States
    • United States Courts of Appeals. United States Court of Appeals (7th Circuit)
    • October 22, 2018
    ...contract contained one. What’s more, federal regulations require credit card issuers to post their credit card agreements online. See 12 C.F.R. § 1026.58(d). Even if Synchrony Bank was nonresponsive to inquiries, GC Services could have found the agreement through a routine internet search.B......
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3 cases
  • Smith v. GC Servs. Ltd. P'ship, No. 18-1361
    • United States
    • United States Courts of Appeals. United States Court of Appeals (7th Circuit)
    • October 22, 2018
    ...contract contained one. What’s more, federal regulations require credit card issuers to post their credit card agreements online. See 12 C.F.R. § 1026.58(d). Even if Synchrony Bank was nonresponsive to inquiries, GC Services could have found the agreement through a routine internet search.B......
  • Deutsch v. JPMorgan Chase & Co., 18-CV-11655 (VSB)
    • United States
    • United States Courts of Appeals. United States Court of Appeals (5th Circuit)
    • September 30, 2019
    ...a credit card issuer and user and that impose requirements related to those agreements. (See Def.'s Reply 5-6 (citing, for example, 12 C.F.R. § 1026.58 (requiring credit card providers to post credit card agreements to the Internet)).)8 However, none of the laws identified by Defendant requ......
  • Ramirez v. Midland Funding, LLC, Case No. 17-cv-2626
    • United States
    • United States District Courts. 7th Circuit. United States District Court (Northern District of Illinois)
    • June 21, 2019
    ...contract contained one. What's more, federal regulations require credit card issuers to post their credit card agreements online. See 12 C.F.R. § 1026.58(d). Even if [the original creditor] was unresponsive to inquiries, [defendant]Page 14 could have found the agreement through a routine in......
7 firm's commentaries
  • CFPB Eases Reporting Requirements
    • United States
    • LexBlog United States
    • March 30, 2020
    ...1026.57(d)(3); Quarterly submission of consumer credit card agreements, as required by TILA, 15 U.S.C. § 1632(d)(2), and Regulation Z, 12 CFR 1026.58(c); Collection of certain credit card price and availability information from a sample of credit card issuers under TILA, 15 USC §1646(b)(1) ......
  • CFPB Eases Reporting Requirements
    • United States
    • JD Supra United States
    • April 2, 2020
    ...1026.57(d)(3); Quarterly submission of consumer credit card agreements, as required by TILA, 15 U.S.C. § 1632(d)(2), and Regulation Z, 12 CFR 1026.58(c); Collection of certain credit card price and availability information from a sample of credit card issuers under TILA, 15 USC §1646(b)(1) ......
  • CFPB Proposes Suspending Quarterly Credit Card Agreement Submission Requirements
    • United States
    • JD Supra United States
    • March 2, 2015
    ...of the quarterly submission requirement and the absence of these agreements on the 1 80 Fed. Reg. 10,417 (Feb. 26, 2015). 2 12 C.F.R. § 1026.58(c). 3 Id. § 1026.58(d). 1 © 2015 Morrison & Foerster LLP | mofo.com Attorney Advertising Client Alert [CFPB]’s Web site.”4 The CFPB’s conclusion su......
  • CFPB Proposes Suspending Quarterly Credit Card Agreement Submission Requirements
    • United States
    • Mondaq United States
    • March 10, 2015
    ...to agreement posting requirements in both the credit card and prepaid card spaces. Footnotes 80 Fed. Reg. 10,417 (Feb. 26, 2015). 12 C.F.R. § 1026.58(c). Id. § 80 Fed. Reg. at 10,420. Id. at 10,418. 79 Fed. Reg. 77,102 (Dec. 23, 2014). Id. at 77,196. Because of the generality of this update......
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