As to the above comment (you do not need to post the credit card agreement on the bank's own website if the bank has less than 10,000 cards), where can I find that? I see 226.58 says that any card issuer must post its credit card agreements on its website - but nothing that says you do not need to do this either if you have less than 10,000 cards. The 10,000 threshold seems to apply only to submission to the FRB? We didn't post them because we didn't think we had to, now it is being questioned and we need to support why we didn't post. Thanks!