What if your disclosure says special rules "may" apply for new accounts. I read in another area where it appeared to make a difference if you said "will" or "may". I was under the impression also that as long as it was spelled out in the disclosure we are OK...but now I wonder about that one little word. Does it trigger the hold notice? Our exception hold notice is a very detailed fill-in-the-blank form but "new account" is not listed as a reason for delayed availability.