source:
  type: regulation
  id: tila-15usc-1632
  authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1632 — Form of disclosure; additional information
  description: 'TILA (Truth in Lending Act, 15 U.S.C.), §1632 Form of disclosure; additional information. Captured
    section-complete from Cornell LII (verbatim).

    '
obligations:
- id: tila-15usc-1632-a
  canonical_id: tila-15usc-1632-a
  section: 15 U.S.C. §1632(a)
  description: 'Form of disclosure; additional information — (a): (a) Information clearly and conspicuously disclosed;
    “annual percentage rate” and “finance charge”; order of disclosures and use of different terminology Information
    required by this subchapter shall be disclosed clearly and conspicuously, in accordance with regulations of
    the Bureau. The terms “ an…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1632
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1632
    snapshot_id: fc65f4930c33d8f7
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ee691b75ea6b232cf67eff71068acd93ee5f06add446f0d0f4f17dfb171250f7
    paragraph_quote: (a) Information clearly and conspicuously disclosed; “annual percentage rate” and “finance
      charge”; order of disclosures and use of different terminology Information required by this subchapter shall
      be disclosed clearly and conspicuously, in accordance with regulations of the Bureau. The terms “ annual percentage
      rate ” and “finance charge” shall be disclosed more conspicuously than other terms, data, or information provided
      in connection with a transaction, except information relating to the identify of the creditor . Except as
      provided in subsection (c), regulations of the Bureau need not require that disclosures pursuant to this subchapter
      be made in the order set forth in this subchapter and, except as otherwise provided, may permit the use of
      terminology different from that employed in this subchapter if it conveys substantially the same meaning.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1632 subsection (a) from Cornell LII snapshot fc65f4930c33d8f7;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1632-b
  canonical_id: tila-15usc-1632-b
  section: 15 U.S.C. §1632(b)
  description: 'Form of disclosure; additional information — (b): (b) Optional information by creditor or lessor
    Any creditor or lessor may supply additional information or explanation with any disclosures required under
    parts D and E and, except as provided in sections 1637a(b)(3) and 1638(b)(1) of this title, under this part.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1632
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1632
    snapshot_id: fc65f4930c33d8f7
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ee691b75ea6b232cf67eff71068acd93ee5f06add446f0d0f4f17dfb171250f7
    paragraph_quote: (b) Optional information by creditor or lessor Any creditor or lessor may supply additional
      information or explanation with any disclosures required under parts D and E and, except as provided in sections
      1637a(b)(3) and 1638(b)(1) of this title, under this part.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1632 subsection (b) from Cornell LII snapshot fc65f4930c33d8f7;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1632-c
  canonical_id: tila-15usc-1632-c
  section: 15 U.S.C. §1632(c)
  description: 'Form of disclosure; additional information — (c): (c) Tabular format required for certain disclosures
    under section 1637(c) (1) In general The information described in paragraphs (1)(A), (3)(B)(i)(I), (4)(A), and
    (4)(C)(i)(I) of section 1637(c) of this title shall be— (A) disclosed in the form and manner which the Bureau
    shall prescribe by regulati…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1632
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1632
    snapshot_id: fc65f4930c33d8f7
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ee691b75ea6b232cf67eff71068acd93ee5f06add446f0d0f4f17dfb171250f7
    paragraph_quote: (c) Tabular format required for certain disclosures under section 1637(c) (1) In general The
      information described in paragraphs (1)(A), (3)(B)(i)(I), (4)(A), and (4)(C)(i)(I) of section 1637(c) of this
      title shall be— (A) disclosed in the form and manner which the Bureau shall prescribe by regulations; and
      (B) placed in a conspicuous and prominent location on or with any written application, solicitation, or other
      document or paper with respect to which such disclosure is required. (2) Tabular format (A) Form of table
      to be prescribed In the regulations prescribed under paragraph (1)(A) of this subsection, the Bureau shall
      require that the disclosure of such information shall, to the extent the Bureau determines to be practicable
      and appropriate, be in the form of a table which—
    drafter_attestation: Verbatim slice of 15 U.S.C. §1632 subsection (c) from Cornell LII snapshot fc65f4930c33d8f7;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1632-i
  canonical_id: tila-15usc-1632-i
  section: 15 U.S.C. §1632(i)
  description: 'Form of disclosure; additional information — (i): (i) contains clear and concise headings for each
    item of such information; and (ii) provides a clear and concise form for stating each item of information required
    to be disclosed under each such heading. (B) Bureau discretion in prescribing order and wording of table In
    prescribing the form of the …'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1632
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1632
    snapshot_id: fc65f4930c33d8f7
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ee691b75ea6b232cf67eff71068acd93ee5f06add446f0d0f4f17dfb171250f7
    paragraph_quote: (i) contains clear and concise headings for each item of such information; and (ii) provides
      a clear and concise form for stating each item of information required to be disclosed under each such heading.
      (B) Bureau discretion in prescribing order and wording of table In prescribing the form of the table under
      subparagraph (A), the Bureau may—
    drafter_attestation: Verbatim slice of 15 U.S.C. §1632 subsection (i) from Cornell LII snapshot fc65f4930c33d8f7;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1632-i
  canonical_id: tila-15usc-1632-i
  section: 15 U.S.C. §1632(i)
  description: 'Form of disclosure; additional information — (i): (i) list the items required to be included in
    the table in a different order than the order in which such items are set forth in paragraph (1)(A) or (4)(A)
    of section 1637(c) of this title ; and (ii) subject to subparagraph (C), employ terminology which is different
    than the terminology which is emp…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1632
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1632
    snapshot_id: fc65f4930c33d8f7
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ee691b75ea6b232cf67eff71068acd93ee5f06add446f0d0f4f17dfb171250f7
    paragraph_quote: (i) list the items required to be included in the table in a different order than the order
      in which such items are set forth in paragraph (1)(A) or (4)(A) of section 1637(c) of this title ; and (ii)
      subject to subparagraph (C), employ terminology which is different than the terminology which is employed
      in section 1637(c) of this title if such terminology conveys substantially the same meaning. (C) Grace period
      Either the heading or the statement under the heading which relates to the time period referred to in section
      1637(c)(1)(A)(iii) of this title shall contain the term “grace period”.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1632 subsection (i) from Cornell LII snapshot fc65f4930c33d8f7;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: tila-15usc-1632-d
  canonical_id: tila-15usc-1632-d
  section: 15 U.S.C. §1632(d)
  description: 'Form of disclosure; additional information — (d): (d) Additional electronic disclosures (1) Posting
    agreements Each creditor shall establish and maintain an Internet site on which the creditor shall post the
    written agreement between the creditor and the consumer for each credit card account under an open-end consumer
    credit plan. (2) Creditor to p…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: TILA (Truth in Lending Act, 15 U.S.C.) § 1632
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/15/1632
    snapshot_id: fc65f4930c33d8f7
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:ee691b75ea6b232cf67eff71068acd93ee5f06add446f0d0f4f17dfb171250f7
    paragraph_quote: (d) Additional electronic disclosures (1) Posting agreements Each creditor shall establish
      and maintain an Internet site on which the creditor shall post the written agreement between the creditor
      and the consumer for each credit card account under an open-end consumer credit plan. (2) Creditor to provide
      contracts to the Bureau Each creditor shall provide to the Bureau, in electronic format, the consumer credit
      card agreements that it publishes on its Internet site. (3) Record repository The Bureau shall establish and
      maintain on its publicly available Internet site a central repository of the consumer credit card agreements
      received from creditors pursuant to this subsection, and such agreements shall be easily accessible and retrievable
      by the public. (4) Exception This subsection shall not apply to individually negotiated changes to contractual
      terms, such as individually modified workouts or renegotiations of amounts owed by a consumer under an open
      end consumer credit plan. (5) Regulations The Bureau, in consultation with the other Federal banking agencies
      (as that term is defined in section 1681a of this title ) and the Bureau, [1] may promulgate regulations to
      implement this subsection, including specifying the format for posting the agreements on the Internet sites
      of creditors and establishing exceptions to paragraphs (1) and (2), in any case in which the administrative
      burden outweighs the benefit of increased transparency, such as where a credit card plan has a de minimis
      number of consumer account holders. ( Pub. L. 90–321, title I, § 122 , May 29, 1968 , 82 Stat. 152 ; Pub.
      L. 93–495, title III, § 307(e) , (f), Oct. 28, 1974 , 88 Stat. 1516 , 1517; Pub. L. 96–221, title VI, § 611
      , Mar. 31, 1980 , 94 Stat. 175 ; Pub. L. 100–583, § 2(b) , Nov. 3, 1988 , 102 Stat. 2966 ; Pub. L. 100–709,
      § 2(d) , Nov. 23, 1988 , 102 Stat. 4731 ; Pub. L. 111–24, title II, § 204 , May 22, 2009 , 123 Stat. 1746
      ; Pub. L. 111–203, title X, § 1100A(2) , (3), July 21, 2010 , 124 Stat. 2107 .) [1] So in original.
    drafter_attestation: Verbatim slice of 15 U.S.C. §1632 subsection (d) from Cornell LII snapshot fc65f4930c33d8f7;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
