Well I just got OCC 2004-35 on this, "Although the statutory requirement to provide a notice will not be effective until December 1, 2004, financial institutions have the option to provide a notice prior to that date."
_________________________
AndyZ CRCM
My opinions are not necessarily my employers.
R+R-R=R+R
Rules and Regs minus Relationships equals Resentment and Rebellion. John Maxwell