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https://github.com/cfpb/prepaid-disclosure-files

Native design files and source code for the model and sample disclosure forms in the CFPB's final rule on prepaid accounts.
https://github.com/cfpb/prepaid-disclosure-files

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Native design files and source code for the model and sample disclosure forms in the CFPB's final rule on prepaid accounts.

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README 

        

This repository contains the native design files and source code for the model

and sample disclosure forms the Consumer Financial Protection Bureau (CFPB)

designed for its

[final rule regarding Prepaid Accounts](https://www.consumerfinance.gov/policy-compliance/rulemaking/final-rules/prepaid-accounts-under-electronic-fund-transfer-act-regulation-e-and-truth-lending-act-regulation-z/)

under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending

Act (Regulation Z).



## About the prepaid rule



On October 5, 2016, the CFPB finalized strong, federal consumer protections for

prepaid account users. The new rule requires financial institutions to limit

consumers’ losses when funds are stolen or cards are lost, to investigate and

resolve errors, and give consumers free and easy access to account information.



The Bureau’s new rule also includes new “Know Before You Owe” prepaid

disclosures which provide consumers with standard, easy-to-understand, upfront

information about prepaid accounts. Consumers cannot always tell what fees apply

to prepaid accounts before purchasing or signing up for them because the

disclosures may be inside the packaging or hard to find online. This can make it

difficult to comparison shop and make well-informed decisions. The new rule sets

an industry-wide standard on fee disclosures for prepaid accounts. This follows

the tradition of the Bureau’s “Know Before You Owe” disclosure forms for

mortgages and student financial aid awards. These disclosures simplify,

organize, and present information in a way the consumer can easily understand

and act upon. Under the new rule, prepaid consumers will have access to:



- Standard, easy-to-understand, upfront information: The CFPB rule requires two

  forms, one short and one long, with easy-to-understand disclosures. The short

  form concisely and clearly highlights key prepaid account information,

  including the fees the CFPB believes are most important to consumers shopping

  for a prepaid account. These include a periodic fee, per purchase fee, ATM

  withdrawal and balance inquiry fees, cash reload fee, customer service fees,

  and inactivity fee. The short form also must disclose certain information

  about additional types of fees that the consumer may be charged. Consumers

  will also get or be able to access the comprehensive long form disclosure

  containing a complete list of fees and certain other key information before

  acquiring the account.

- Publicly available card agreements: To facilitate comparison shopping, the

  rule requires prepaid account issuers to post on their websites the prepaid

  account agreements they offer to the general public. Additionally, with a few

  exceptions, issuers must submit all agreements to the CFPB, which intends to

  post them on a public, Bureau-maintained website at a future date.  Also,

  issuers must make any agreement not required to be posted on their website

  available to applicable consumers.



Read more about the rule in our

[press release](https://www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-strong-federal-protections-prepaid-account-consumers)

and at [consumerfinance.gov](https://www.consumerfinance.gov/).



## Source files



For the convenience of the prepaid industry and to help reduce development

costs, the Bureau is also providing native design files for print and source

code for web-based disclosures for all of the model and sample forms included in

the final rule.



Native print design files (in EPS and PDF formats) can be found in the

folder structure above, within the `print` folder.



| Form |                 English                 |   Spanish  translation   
 of forms |

|----------------|:-----:|:-------:|

| **Model form A-10(a)** - Model Form for Short Form Disclosures for Government Benefit Accounts

([§1005.15(c)](https://www.consumerfinance.gov/rules-policy/regulations/1005/15/#c) and [§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Model form A-10(a).pdf](print/cfpb_GovtCardShortForm_(A-10(a))/Model_form_A-10(a).pdf)

[Model form A-10(a).eps](print/cfpb_GovtCardShortForm_(A-10(a))/Model_form_A-10(a).eps) | [Model form A-10(a).pdf](print_es/cfpb_GovtCardShortForm_(A-10(a))/Model_form_A-10(a)_es.pdf)

[Model form A-10(a).eps](print_es/cfpb_GovtCardShortForm_(A-10(a))/Model_form_A-10(a)_es.eps) |

| **Model form A-10(b)** - Model Form for Short Form Disclosures for Payroll Card Accounts

([§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Model form A-10(b).pdf](print/cfpb_PayrollCardShortForm_(A-10(b))/Model_form_A-10(b).pdf)

[Model form A-10(b).eps](print/cfpb_PayrollCardShortForm_(A-10(b))/Model_form_A-10(b).eps) |  [Model form A-10(b).pdf](print_es/cfpb_PayrollCardShortForm_(A-10(b))/Model_form_A-10(b)_es.pdf)

[Model form A-10(b).eps](print_es/cfpb_PayrollCardShortForm_(A-10(b))/Model_form_A-10(b)_es.eps) |

| **Model form A-10(c)** - Model Form for Short Form Disclosures for Prepaid Accounts, Example 1

([§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Model form A-10(c).pdf](print/cfpb_SinglePlanShortFormWithOverdraft_(A-10(c))/Model_form_A-10(c).pdf)

[Model form A-10(c).eps](print/cfpb_SinglePlanShortFormWithOverdraft_(A-10(c))/Model_form_A-10(c).eps) |  [Model form A-10(c).pdf](print_es/cfpb_SinglePlanShortFormWithOverdraft_(A-10(c))/Model_form_A-10(c)_es.pdf)

[Model form A-10(c).eps](print_es/cfpb_SinglePlanShortFormWithOverdraft_(A-10(c))/Model_form_A-10(c)_es.eps) |

| **Model form A-10(d)** - Model Form for Short Form Disclosures for Prepaid Accounts, Example 2

([§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Model form A-10(d).pdf](print/cfpb_SinglePlanShortFormWithoutOverdraft_(A-10(d))/Model_form_A-10(d).pdf)

[Model form A-10(d).eps](print/cfpb_SinglePlanShortFormWithoutOverdraft_(A-10(d))/Model_form_A-10(d).eps) | [Model form A-10(d).pdf](print_es/cfpb_SinglePlanShortFormWithoutOverdraft_(A-10(d))/Model_form_A-10(d)_es.pdf)

[Model form A-10(d).eps](print_es/cfpb_SinglePlanShortFormWithoutOverdraft_(A-10(d))/Model_form_A-10(d)_es.eps) |

| **Model form A-10(e)** - Model Form for Short Form Disclosures for Prepaid Accounts with Multiple Service Plans

([§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Model form A-10(e).pdf](print/cfpb_MultiplePlanShortForm_(A-10(e))/Model_form_A-10(e).pdf)

[Model form A-10(e).eps](print/cfpb_MultiplePlanShortForm_(A-10(e))/Model_form_A-10(e).eps) |  [Model form A-10(e).pdf](print_es/cfpb_MultiplePlanShortForm_(A-10(e))/Model_form_A-10(e)_es.pdf)

[Model form A-10(e).eps](print_es/cfpb_MultiplePlanShortForm_(A-10(e))/Model_form_A-10(e)_es.eps) |

| **Sample form A-10(f)** - Sample Form for Long Form Disclosures for Prepaid Accounts

([§1005.18(b)(4), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Sample form A-10(f).pdf](print/cfpb_LongForm_(A-10(f))/Sample_form_A-10(f).pdf)

[Sample form A-10(f).eps](print/cfpb_LongForm_(A-10(f))/Sample_form_A-10(f).eps) | [Sample form A-10(f).pdf](print_es/cfpb_LongForm_(A-10(f))/Sample_form_A-10(f)_es.pdf)

[Sample form A-10(f).eps](print_es/cfpb_LongForm_(A-10(f))/Sample_form_A-10(f)_es.eps) |



[View the collected examples in a single PDF](https://files.consumerfinance.gov/f/documents/102016_cfpb_PrepaidDisclosures.pdf)



Likewise, you can use the sample code to create the web versions of your disclosures:



| Form |         English         |         Spanish         |

|------|:-------:|:-------:|

| **Model form A-10(a)** - Model Form for Short Form Disclosures for Government Benefit Accounts
([§1005.15(c)](https://www.consumerfinance.gov/rules-policy/regulations/1005/15/#c) and [§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Code](web/cfpb_GovtCardShortForm_(A-10(a))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web/cfpb_GovtCardShortForm_(A-10(a))) | [Code](web_es/cfpb_GovtCardShortForm_(A-10(a))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web_es/cfpb_GovtCardShortForm_(A-10(a)))

| **Model form A-10(b)** - Model Form for Short Form Disclosures for Payroll Card Accounts
([§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Code](web/cfpb_PayrollCardShortForm_(A-10(b))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web/cfpb_PayrollCardShortForm_(A-10(b))) | [Code](web_es/cfpb_PayrollCardShortForm_(A-10(b))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web_es/cfpb_PayrollCardShortForm_(A-10(b)))

| **Model form A-10(c)** - Model Form for Short Form Disclosures for Prepaid Accounts, Example 1
([§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Code](web/cfpb_SinglePlanShortFormWithOverdraft_(A-10(c))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web/cfpb_SinglePlanShortFormWithOverdraft_(A-10(c))) | [Code](web_es/cfpb_SinglePlanShortFormWithOverdraft_(A-10(c))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web_es/cfpb_SinglePlanShortFormWithOverdraft_(A-10(c))) |

| **Model form A-10(d)** - Model Form for Short Form Disclosures for Prepaid Accounts, Example 2
([§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Code](web/cfpb_SinglePlanShortFormWithoutOverdraft_(A-10(d))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web/cfpb_SinglePlanShortFormWithoutOverdraft_(A-10(d))) | [Code](web_es/cfpb_SinglePlanShortFormWithoutOverdraft_(A-10(d))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web_es/cfpb_SinglePlanShortFormWithoutOverdraft_(A-10(d))) |

| **Model form A-10(e)** - Model Form for Short Form Disclosures for Prepaid Accounts with Multiple Service Plans
([§1005.18(b)(2), (3), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Code](web/cfpb_MultiplePlanShortForm_(A-10(e))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web/cfpb_MultiplePlanShortForm_(A-10(e))) | [Code](web_es/cfpb_MultiplePlanShortForm_(A-10(e))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web_es/cfpb_MultiplePlanShortForm_(A-10(e))) |

| **Sample form A-10(f)** - Sample Form for Long Form Disclosures for Prepaid Accounts
([§1005.18(b)(4), (6), and (7)](https://www.consumerfinance.gov/rules-policy/regulations/1005/18/#b)) | [Code](web/cfpb_LongForm_(A-10(f))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web/cfpb_LongForm_(A-10(f))) | [Code](web_es/cfpb_LongForm_(A-10(f))) \| [Preview](https://mistergone.github.io/prepaid-disclosure-files/web_es/cfpb_LongForm_(A-10(f))) |



Each disclosure’s HTML file links to the CSS found in

[web/static/css/style.css](web/static/css/style.css).



## Contributing



We welcome your contributions! In particular, please let us know if any of the

code or design templates we’ve provided aren’t working for you in any way.

The best way to do this is to [file an issue](https://github.com/cfpb/prepaid-disclosure-files/issues/new)

in this repository’s issue tracker.



If you’ve identified a bug in the code and are interested in fixing it yourself,

pull requests are welcome!



For more details on how to contribute, please see our

[CONTRIBUTING](CONTRIBUTING.md) file.



_N.B.: Due to the nature of what this repository provides, we are unlikely to

accept suggestions or pull requests that significantly alter the format

or content of what is provided._



## Open source licensing info



1.	[TERMS](TERMS.md)

2.	[LICENSE](LICENSE)

3.	[CFPB Source Code Policy](https://mistergone.github.io/source-code-policy/)



## Disclaimer



The native design files and source code for the model and sample forms are

provided for the convenience of the prepaid industry and to help reduce

development costs.  They are not substitutes for otherwise following the

requirements of the rule, and financial institutions must make sure that all

disclosures, regardless of whether they use these design files and source code or

not, comply with the specific requirements of the Prepaid Rule, available at

https://www.consumerfinance.gov/policy-compliance/rulemaking/final-rules/prepaid-accounts-under-electronic-fund-transfer-act-regulation-e-and-truth-lending-act-regulation-z/.