{"data":{"id":"us/12-cfr-appendix-a-to-part-37","jurisdiction":"us","citation":"12 CFR Appendix A to Part 37","heading":"Appendix A to Part 37—Short Form Disclosures","body":"• This product is optional\nYour purchase of [PRODUCT NAME] is optional. Whether or not you purchase [PRODUCT NAME] will not affect your application for credit or the terms of any existing credit agreement you have with the bank.\n• Lump sum payment of fee\n[Applicable if a bank offers the option to pay the fee in a single payment]\n[Prohibited where the debt subject to the contract is a residential mortgage loan]\nYou may choose to pay the fee in a single lump sum or in [monthly/quarterly] payments. Adding the lump sum of the fee to the amount you borrow will increase the cost of [PRODUCT NAME].\n• Lump sum payment of fee with no refund\n[Applicable if a bank offers the option to pay the fee in a single payment for a no-refund DCC]\n[Prohibited where the debt subject to the contract is a residential mortgage loan]\nYou may choose [PRODUCT NAME] with a refund provision or without a refund provision. Prices of refund and no-refund products are likely to differ.\n• Refund of fee paid in lump sum\n[Applicable where the customer pays the fee in a single payment and the fee is added to the amount borrowed]\n[Prohibited where the debt subject to the contract is a residential mortgage loan]\n[Either:] (1) You may cancel [PRODUCT NAME] at any time and receive a refund; or (2) You may cancel [PRODUCT NAME] within __ days and receive a full refund; or (3) If you cancel [PRODUCT NAME] you will not receive a refund.\n• Additional disclosures\nWe will give you additional information before you are required to pay for [PRODUCT NAME]. [If applicable]: This information will include a copy of the contract containing the terms of [PRODUCT NAME].\n• Eligibility requirements, conditions, and exclusions\nThere are eligibility requirements, conditions, and exclusions that could prevent you from receiving benefits under [PRODUCT NAME].\n[Either:] You should carefully read our additional information for a full explanation of the terms of [PRODUCT NAME] or You should carefully read the contract for a full explanation of the terms of [PRODUCT NAME].","path":["Title 12—Banks and Banking","CHAPTER I—COMPTROLLER OF THE CURRENCY, DEPARTMENT OF THE TREASURY","PART 37—DEBT CANCELLATION CONTRACTS AND DEBT SUSPENSION AGREEMENTS"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"3252d4ae464865915407a4101aae182516858b82d8dc35cd13d4dcbb36cf6947","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-37.8","next":"us/12-cfr-appendix-b-to-part-37"},"notice":"GroundRules: Original legal text. Not legal advice."}