Answer:
UDAAP should always be in the back of your mind. Given the right circumstances, almost anything you say or do could be construed as unfair or deceptive.
Assuming the rates are for consumer loans, then Reg. Z's "bait and switch" prohibition also comes into play. Whether or not you want these rate sheets to find their way into the hands of consumers, that will happen. When it does, you're subject to a specific rule.
Section 1026.24(a) says " If an advertisement for credit states specific credit terms, it shall state only those terms that actually are or will be arranged or offered by the creditor." This is an open-ended rule, so with the passage of time, violations are inevitable unless you state an expiration date and take steps to assure that the rates and other terms stated in the rate sheet are actually available through the expiration date.
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