TILA Advance Notice of Rate Increases (CARD Act) 15 U.S.C. § 1665e
Creditors must give 45 days' notice before raising rates or significant fees, and consumers may decline the change by paying off the balance under certain conditions. Promotional rate notices are also regulated.
Key provisions
- 45-day advance notice
- Right to decline rate increase
- Promotional-rate disclosures
Query this statute via API
Royal Ruby returns structured citations, plain-English summaries, reporting timelines, and statutes of limitations for this and related statutes. $0.05 per call, USDC on Base mainnet via x402 — no API keys, no signup.
curl -X POST https://royal-ruby-x402.fly.dev/api/law-lookup \
-H 'Content-Type: application/json' \
-d '{"topic": "TILA Advance Notice of Rate Increases", "statute": "15 U.S.C. § 1665e"}'
# -> 402 challenge: $0.05 USDC on Base (eip155:8453), payTo 0x9b8a...f72f
# Settle with any x402 client (@x402/fetch, MCP x402 tools), replay with payment header.
Full background and the service fleet: RAEN blog — Live x402 Agent APIs. Information only — not legal advice.