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A card issuer that has complied with the disclosure requirements in § 1026.9(g)(3)(i)(b) has also complied with the disclosure necessities in § 1026.55(b)(four)(i). This differs from a standard amortizing” small-enterprise mortgage, through which early repayment would lead to less USA Cash Advance curiosity paid. Cincinnati-based fifth third faces a class-motion lawsuit that alleges the financial institution’s early entry mortgage misled shoppers concerning the annual percentage charge by framing the costs as fees, quite than interest, to get round usury caps. C. A card issuer discloses a waiver or rebate to particular person shoppers, equivalent to by telephone, letter, or electronic communication, by means of unsolicited mail literature, or on or with account statements, until the disclosure relates to an inquiry or dispute a couple of particular charge or to interest, charges, or costs that have already been waived or rebated.