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Event Date Fri May 7 EDT (over 1 year ago)
Location Webinar
Region All

Credit cards may seem like they’re simple enough – a consumer has a line of credit with a lender, and can access the line of credit by using a card… but, in fact, they’re one of the most regulated types of credit out there. Due to the abuses performed by some credit card providers, the Credit CARD Act of 2009 had a tremendous impact on credit cards. Implemented through a series of amendments to Regulation Z, credit card rules were revised and clarified, resulting in regulations that are highly complex and detailed.

This webinar will provide a basic overview of Regulation Z’s provisions relating to credit cards. We will discuss those rules that generally apply to open-end credit, as well as those that are specific to credit cards, such as applications, card issuances, unauthorized use, and ability-to-repay.


• How to provide applications and solicitations, and what early disclosures are required.
• Ability-to-repay.
• Account-opening disclosures, issuance of credit cards, and liability for unauthorized use.
• Periodic statement, change in terms, and renewal requirements.
• Allocation of payments.
• Limitations on fees and on increasing the APR, fees, and charges; and
• Requirements for over-the-limit transactions.



Anetria Cohen
Vice President, ProBank Austin