We currently have HELOCOs with multiple payment due dates and we want to consolidate to one. 1026.40(f)(2)(v) provide for "insignificant" changes to terms and changing the payment due date is considered "insiginificant" in the commentary. I have searched the reg and I can not locate in TIL the amount of notice I have to provide prior to changing due date.

Personally, I have received notices that indicate the change effective date and if I do not concur the payoff required to close the account. It was also noted that continued use of the credit was consent to the change date.