Resurrecting this discussion, as it's the closest thing I can find to my situation when doing a search ...
Here's my situation: On a Non-RE LOC (an overdraft line that's under Reg Z), we offer a lower interest rate and a higher line amount to employees. When the employee leaves our employment, we increase the rate and decrease the line amount to what we typically assign to non-employees.
In this situation, an addendum to the LOC agreement is in place indicating that special terms apply because the person is an employee and when they leave employment the rate will increase to "x" and the limit will decrease to "y".
So, when the employment relationship changes, is an AAN under Reg B required, a 45-day advance Change In Terms from the Credit Card Act changes, or something else? Or is there no notification required because it was all clearly spelled out in the original LOC Addendum?