Idaho Retail Charge Account Agreement Initial Disclosure Statement

State:
Multi-State
Control #:
US-02855BG
Format:
Word; 
Rich Text
Instant download

Description

Various disclosures must be made by the creditor to the customer in connection with the opening of an open-end credit account. The creditor must make the disclosures required by the Federal Reserve Board's Regulation Z clearly and conspicuously in writing.
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  • Preview Retail Charge Account Agreement Initial Disclosure Statement
  • Preview Retail Charge Account Agreement Initial Disclosure Statement
  • Preview Retail Charge Account Agreement Initial Disclosure Statement

How to fill out Retail Charge Account Agreement Initial Disclosure Statement?

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FAQ

Disclosure Law in Idaho for Home Sales mandates that home sellers make certain disclosures to potential buyers within ten days of the date of their offer to purchase your property. As the legislation itself states, its intent is "to promote the public health, safety and welfare and to protect consumers."

Idaho's Consumer Protection Act (IC 48-601 through 48-619) was designed to ?protect both consumers and businesses against unfair methods of competition and unfair or deceptive acts and practices in the conduct of trade or commerce, and to provide efficient and economical procedures to secure such protection.?

To add further confusion, some non-disclosure states may have counties that are full disclosure. The current list of non-disclosure states includes Alaska, Idaho, Kansas, Louisiana, Mississippi, Missouri (some counties), Montana, New Mexico, North Dakota, Texas, Utah, and Wyoming.

There is no 3-day right to cancel in Idaho. Except for telemarketing and certain door to door sales, there is no 3-day cooling off period. If you sign a contract, it is binding. If you break the contract, you can be sued.

Home defects such as water leaks, structure issues, insect infestations, plumbing problems, and electrical system problems. Like most of the states, the Idaho law requires sellers to disclose any known major defects that are important to mention before the purchase.

You can always go somewhere else. Better Business Bureau or the Attorney General's Office. Idaho dealers are not required by law to give car buyers a three-day right to cancel. The right to return the car in a few days for a refund exists only if the dealer grants this privilege to buyers.

Generally disclosure must take place within 28 days of the close of pleadings (rule 214(2)(c)). The close of pleadings occurs: When a pleading (usually a Reply) is served after a Defence or an answer to Counterclaim. If the Defence is the final pleading in the matter, 14 days after the Defence is filed (rule 169).

There are 12 non-disclosure states: Alaska (AK) Idaho (ID) Kansas (KS)

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Idaho Retail Charge Account Agreement Initial Disclosure Statement