Federal Register - September 17, 2021
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Source: Federal Register
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Federal Register / Vol. 86, No. 178 / Friday, September 17, 2021 / Rules and Regulations
3. A person may change the forms by rearranging the format or by making technical modifications to the language of the forms, in each case without modifying the substance of the disclosures. Any such rearrangement or modification of the language of the model forms may not be so extensive as to materially affect the substance, clarity, comprehensibility, or meaningful sequence of the forms. Persons making revisions with that effect will lose the benefit of the safe harbor for appropriate use of the model forms in this appendix. A person is not required to conduct consumer testing when rearranging the format of the model forms.
a. Acceptable changes include, for example:
i. Corrections or updates to telephone numbers, mailing addresses, or website addresses that may change over time.
ii. The addition of graphics or icons, such as the persons corporate logo.
iii. Alteration of the shading or color contained in the model forms.
iv. Use of a different form of graphical presentation to depict the distribution of credit scores.
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v. Substitution of the words credit and creditor or finance and finance company for the terms loan and lender.
vi. Including pre-printed lists of the sources of consumer reports or consumer reporting agencies in a check-the-box format.
vii. Including the name of the consumer, transaction identification numbers, a date, and other information that will assist in identifying the transaction to which the form pertains.
viii. Including the name of an agent, such as an motor vehicle dealer or other party, when providing the Name of the Entity Providing the Notice.
b. Unacceptable changes include, for example:
i. Providing model forms on register receipts or interspersed with other disclosures.
ii. Eliminating empty lines and extra spaces between sentences within the same section.
4. Optional language in model forms A6
and A7 may be used to direct the consumer to the entity which may be a consumer
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reporting agency or the creditor itself, for a proprietary score that meets the definition of a credit score that provided the credit score for any questions about the credit score, along with the entitys contact information.
Creditors may use or not use the additional language without losing the safe harbor, since the language is optional.
A1 Model form for risk-based pricing notice.
A2 Model form for account review riskbased pricing notice.
A3 Model form for credit score disclosure exception for loans secured by one to four units of residential real property.
A4 Model form for credit score disclosure exception for loans not secured by residential real property.
A5 Model form for credit score disclosure exception for loans where credit score is not available.
A6 Model form for risk-based pricing notice with credit score information.
A7 Model form for account review riskbased pricing notice with credit score information.
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