1. This appendix contains four model credit application
forms, each designated 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; and the fourth in transactions
involving community property or occurring in community property States.
This appendix also contains a data collection model form for collecting
information concerning an applicant’s ethnicity, race, and sex
that complies with the requirements of section 1002.13(a)(1)(i)(A)
and (ii). Appendix B to 12 CFR part 1003 provides a data collection
model form for collecting information concerning an applicant’s
ethnicity, race, and sex that complies with the requirements of section
1002.13(a)(1)(i)(B) and (ii). All forms contained in this appendix
are models; their use by creditors is optional.
2. 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
1002.5; 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.
3. 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 1002.5 of this
part.
