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Dreher Tomkies LLP
Attorneys at Law
2750 Huntington Center
41 South High Street
Columbus, Ohio 43215
Telephone (614) 628-8000
Fax (614) 628-1600



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Credit Card Digest

Our Credit Card Digest is a compilation of relevant state consumer credit card and related laws applicable to out-of-state national banks, federally insured state-chartered banks and industrial loan companies. The topics include:

  • State-by-state regulatory overview
  • Finance charges and payments
    • Finance charge rates
    • Balance calculation methods
    • Grace periods
    • Compounding of finance charges and fees
    • Variable rates
    • Application of payments
    • Minimum payment and loan term
  • Fees
    • Late fees
    • Annual fees
    • Overlimit fees
    • Returned check fees
    • Cash advance fees
    • Transaction fees
    • Attorneys’ fees and costs
    • Copy fees
    • Replacement card fees
    • Stop payment fees
    • Currency conversion fees
    • Unauthorized fees
  • Disclosures
    • Application
    • Agreement
    • Periodic statement
    • Advertising
    • Adverse action notices
    • Co-signer notices
    • Notices of default
    • Credit card
  • Change in terms
  • Limitations on creditor rights
  • Special rules regarding credit cards
    • Unsolicited credit cards
    • Liability for unauthorized use
  • Stop Payment Orders
  • Licensing and Supervision
  • Penalties
    • Usury
    • Fees
    • Disclosure
    • Licensing
    • Miscellaneous
  • Security interests in personal property
  • Fair credit reporting
  • Equal credit opportunity
  • Fair credit billing
  • Fair debt collection practices
  • Plain language
  • Telephone solicitation
  • Statutes of frauds
  • Transaction forms and sales slips
  • Other restrictions pertinent to credit cards