This appendix contains five
model credit application forms, each designed for use in a particular
type of consumer credit transaction as indicated by the bracketed
caption on each form. The first sample form is intended for use in
open-end, unsecured transactions; the second for closed-end, secured
transactions; the third for closed-end transactions, whether unsecured
or secured; the fourth in transactions involving community property
or occurring in community property states; and the fifth in residential
mortgage transactions, which contains a model disclosure for use in
complying with section 202.13 for certain dwelling-related loans.
All forms contained in this appendix are models; their use by creditors
is optional.
The use or modification of these forms is governed by
the following instructions. A creditor may change the forms by asking
for additional information not prohibited by section 202.5; by deleting
any information request; or by rearranging the format without modifying
the substance of the inquiries. In any of these three instances, however,
the appropriate notices regarding the optional nature of courtesy
titles; the option to disclose alimony, child support, or separate
maintenance; and the limitation concerning marital status inquiries
must be included in the appropriate places if the items to which they
relate appear on the creditor’s form.
If a creditor uses an appropriate appendix B model form,
or modifies a form in accordance with the above instructions, that
creditor shall be deemed to be acting in compliance with the provisions
of paragraphs (b), (c), and (d) of section 202.5 of this regulation.
