It is, Raquel, and I DID finally find it and felt like an idiot for NOT being able to locate it. I'm a day late and a dollar short with the Billing Rights Notice changes!
Here's what I gather from reading:
Account Opening Disclosure - Home Equity - Can use G-3 or G-3(A)
- Other Open End Accts - Must use G-3(A)
OK.....so why would anyone want to provide two different disclosures? It makes sense to just use G-3(A) for every open-end account!
Subsequent Disclosure (we provide in periodic statements)
- Home Equity - Can use G-4 or G-4(A)
- Other Open End Accts - Can use G-4 or G-4(A)
OK....so if it's acceptable to use either form for any account, why would anyone opt for the long form?!!
I'm I missing something?
Account Opening - we'll use G-3(A)....period.
Periodic Statement - we'll use G-4(A).....period.
Someone please advise me if I'm wrong or if I've stupidly missed something.