New Hampshire Model Closed-End or Net Vehicle Lease Disclosures - Federal Consumer Leasing Act Disclosures
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FAQ
New Hampshire's Motor Vehicle Leasing Act requires that auto leases be in at least 8 point type (this size), that a copy of the lease be given to you at the time the lease is signed, and that a completed lease have no blank spaces.
Leasing is an alternative to buying personal property with cash or on credit. A lease is a contract between a lessor (the property owner) and a lessee (the person who leases and uses the property) for the use of personal property.
Criminal and civil liability provisions of the Truth in Lending Act also apply to the CLA. Actions alleging failure to disclose the required information, or otherwise comply with the CLA, must be brought within one year of the termination of the lease agreement.
Regulation M, Consumer Leasing, implements the Consumer Leasing Act (15 USC 1667 et seq.), which was enacted in 1976.
New disclosures also must be provided when a consumer renegotiates, or extends a lease, subject to certain exceptions. In the event of multiple lessors, one lessor on behalf of all the lessors may make the required disclosures.
The Act requires that certain lease costs and terms be disclosed, imposes limitations on the size of penalties for delinquency or default and on the size of residual liabilities, and requires certain disclosures in lease advertising.
The Consumer Leasing Act (15 U.S.C. 1667 et seq.) (CLA) was passed in 1976 to assure that meaningful and accurate disclosure of lease terms is provided to consumers before entering into a contract. It applies to consumer leases of personal property.