We send pre-renewal notices containing TISA requirements, and include the term of CD. Once the account is automatically renewed, we state the new maturity date on a renewal notice. Do we have to include the new maturity date on the pre-renewal notice? Thanks

The only mandatory disclosure is the one sent at least 20 days prior to the end of the grace period. Anything you send at maturity is purely voluntary. The new maturity date is one of the required disclosures in 1030.5(b)(1)-(2)

(1) Maturities of longer than one year. If the maturity is longer than one year, the institution shall provide account disclosures set forth in Sec. 1030.4(b) of this part for the new account, along with the date the existing account matures. If the interest rate and annual percentage yield that will be paid for the new account are unknown when disclosures are provided, the institution shall state that those rates have not yet been determined, the date when they will be determined, and a telephone number consumers may call to obtain the interest rate and the annual percentage yield that will be paid for the new account.

(2) Maturities of one year or less but longer than one month. If the maturity is one year or less but longer than one month, the institution shall either:

(i) Provide disclosures as set forth in paragraph (b)(1) of this section; or

(ii) Disclose to the consumer:

(A) The date the existing account matures and the new maturity date if the account is renewed;

(B) The interest rate and the annual percentage yield for the new account if they are known (or that those rates have not yet been determined, the date when they will be determined, and a telephone number the consumer may call to obtain the interest rate and the annual percentage yield that will be paid for the new account); and

(C) Any difference in the terms of the new account as compared to the terms required to be disclosed under Sec. 1030.4(b) of this part for the existing account.

thanks