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advance advertisement agreement amount financed ance annual percentage rate annual percentage yield appendix apply available for withdrawal bank’s banking day billing cycle billing error Board business day cancel card issuer cardholder cash charge card clude commentary consumer consumer’s coverage credit card credit transaction creditor deposit depositary bank determined disclosed disclosures required example extension of credit FDIC Federal Reserve fees finance charge forward collection funds home equity plans imposed indorsement initial institution interest rate member bank ment monthly nance negative amortization nonlocal checks notice obligation open-end credit option outstanding balance paragraph payable paying bank payment percent periodic rate periodic statement premium principal dwelling purchase purposes quired received refund Regulation CC repayment rescission returned check returning bank reverse mortgage right to rescind routing number rules schedule security interest specific subpart sumer term tion trans unit-period variable-rate