12CFR230.4(b)(2)(ii) Effect of closing an account. If consumers will forfeit interest if they close the account before accrued interest is credited, a statement that interest will not be paid in such cases
If the consumer is not to receive the accrued interest, you must mention it in your TISA disclosure. If your disclosure is silent, the consumer is entitled to the accrued interest.
There is no other federal guidance regarding the treatment of accrued interest.
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In this world you must be oh so smart or oh so pleasant. Well, for years I was smart. I recommend pleasant.