![a form b form c form z form a form b form c form z form](https://d2vlcm61l7u1fs.cloudfront.net/media%2F884%2F88479303-f12b-40d8-8a59-3bb247329744%2FphpFywmmb.png)
Using a symbol, such as an asterisk, for estimated disclosures, instead of an “e.” Using a line for the consumer to initial, rather than a checkbox, to indicate an election to receive an itemization of the amount financed. Using brackets, instead of checkboxes, to indicate inapplicable disclosures.Į. Rearranging the sequence or location of the disclosures - for instance, by placing the descriptive phrases outside the boxes containing the corresponding disclosures, or by grouping the descriptors together as a glossary of terms in a separate section of the segregated disclosures by placing the payment schedule at the top of the form or by changing the order of the disclosures in the boxes, including the annual percentage rate and finance charge boxes.ĭ. Combining required terms where several numerical disclosures are the same, for instance, if the “total of payments” equals the “total sale price.” (See the commentary to § 1026.18.)Ĭ. Adding the creditor's address or telephone number. The prepayment penalty or rebate disclosures. The “filing fees” and “non-filing insurance” disclosures. The credit life and disability insurance disclosures. The itemization of the amount financed option. The creditor may also delete or, on multi-purpose forms, indicate inapplicable disclosures, such as:Ī. Permissible changes include the addition of the information permitted by § 1026.17(a)(1) and “directly related” information as set forth in the commentary to § 1026.17(a).
![a form b form c form z form a form b form c form z form](https://ih1.redbubble.net/image.652152183.4844/papergc,500x,w,f8f8f8-pad,750x1000,f8f8f8.u3.jpg)
Creditors may make several types of changes to closed-end model forms H-1 (credit sale) and H-2 (loan) and still be deemed to be in compliance with the regulation, provided that the required disclosures are made clearly and conspicuously.