public-service · credit card rate-and-fee table rule
What Rule Requires Credit Card Application Disclosures
Regulation Z's § 1026.60 requires card issuers to provide the disclosures required under this section on or with the application or solicitation itself, not separately or afterward.
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What matters now
- Regulation Z § 1026.60 requires issuers to give the disclosures required under this section on or with the application or solicitation.
- The general rule bars issuers from giving those disclosures separately or after the application or solicitation.
- § 1026.60 cross-references paragraphs (c), (d), (e)(1), and (f) for format-specific disclosure rules.
- The eCFR citation history for this section lists December 30, 2024 as its last entry.
Card issuers must give certain disclosures with credit and charge card applications and solicitations under Regulation Z, specifically the section titled “§ 1026.60 Credit and charge card applications and solicitations.” Its text was most recently amended in December 2024. (eCFR)
This original record-reading guide is a general reading aid, not cited evidence. It does not depict a source record; the article text and source links provide the facts.
Key points
- The governing regulation is titled “§ 1026.60 Credit and charge card applications and solicitations.” (eCFR)
- Its general rule requires issuers to provide the disclosures required under this section on or with a solicitation or an application to open a credit or charge card account, not separately or afterward. (eCFR)
- The section cross-references the specific disclosure items through paragraphs (c), (d), (e)(1), and (f) of the same section. (eCFR)
- The eCFR’s amendment history for this section lists entries dated 2011, 2016, and 2024, in that order. (eCFR)
General disclosure-timing rule
Building on that section title, the operative general rule states:
“The card issuer shall provide the disclosures required under this section on or with a solicitation or an application to open a credit or charge card account.” (eCFR)
In other words, the disclosures have to accompany the application or solicitation — they cannot be provided separately or after the fact.
Cross-reference to required items
Building on that general rule, rather than listing the required disclosure items directly, § 1026.60 cross-references them through this instruction:
“The card issuer shall disclose the items in this paragraph on or with an application or a solicitation in accordance with the requirements of paragraphs (c), (d), (e)(1), or (f) of this section.” (eCFR)
This sentence identifies the paragraphs of the same section that govern the required items.
When the section was last amended
The eCFR’s citation history for § 1026.60 records:
“[76 FR 79772, Dec. 22, 2011, as amended at 81 FR 84370, Nov. 22, 2016; 89 FR 106837, Dec. 30, 2024]” (eCFR)
The last entry in that history is the December 30, 2024 amendment.
What this article does not answer
This article identifies only the regulation, its general rule, its cross-reference to the required-disclosures paragraphs, and its most recent recorded amendment date. It does not list or describe the individual required-disclosure items, and it does not evaluate, compare, or recommend any specific card offer.