If we include a message about our Christmas Club accounts on our telephone hold messages, are we required to disclose activity restrictions on the account?

or Can we just say "Find out more when we return."

Please provide reference to the regulation, if possible.

Thanks!

Just referring to your "Christmas Club" account does not trigger any regulatory disclosures.

Hey - Walmart started layaway again - probably a better deal than tying up you money for a year at .10% interest

Probably true. Thanks for the help!