I have totally gone blank trying to think of this... I know there is an act or reg or something that talks about the term of a loan. There are three "conditions" and if they are met you either cannot close the loan or must give additional disclosures. I was thinking it was the John Warner Defense Act... but I don't think so. I know it talks about if loan terms are less than one year.... (and possibly something about taking a vehicle title for non-purchase loans?!?!?!?) Does this ring a bell to anyone or have I totally lost it?!?! Thanks so much for your help!

Terms less than 182 days and taking a car title is from the JWDA.