Prevention of deceptive marketing of free credit reports.

CFR · 2024-01-01 · US · Title 12

(a) For purposes of this section: (1) (2) (3) (i) All disclosures shall be prominent; (ii) All disclosures shall be made in the same language as that principally used in the advertisement; (iii) Visual disclosures shall be easily readable; in a high degree of contrast from the immediate background on which it appears; in a format so that the disclosure is distinct from other text, such as inside a border; in a distinct type style, such as bold; and parallel to the base of the advertisement or screen; (iv) Audio disclosures shall be delivered in a slow and deliberate manner and in a reasonably understandable volume and pitch; (v) Program-length television, radio, or Internet-hosted multimedia advertisement disclosures shall be made at the beginning, near the middle, and at the end of the advertisement; and (vi) Nothing contrary to, inconsistent with, or that undermines the required disclosures shall be used in any advertisement in any medium, nor shall any audio, visual, or print technique be used that is likely to detract significantly from the communication of any disclosure. (b) (1) (ii) The disclosure shall appear at the same time in the audio and visual part of the advertisement. The visual disclosure shall be at least four percent of the vertical picture height and appear for a minimum of four seconds. (2) (3) (4) (i) The first element of the disclosure shall be a header that is centered and shall consist of the following text: “THIS NOTICE IS REQUIRED BY LAW. Read more

official document · source cfr-2024 · id 12:§ 1022.138