Library: Every Page, by Topic

Every rule, report and definition page on Never Opted In, grouped by topic. Each one names the rule, agency page or report it rests on and links to it.

Credit cards

Credit Card Companies Aren't Required to Give a Grace Period
Credit Card Payments Above the Minimum Generally Go to the Highest-APR Balance First — With Exceptions
Regulation Z Bars Credit Card APR Increases Except in Listed Cases
Unauthorized Credit Card Use: Regulation Z Sets a $50 Ceiling on Cardholder Liability
Closing a Credit Card Can Raise Your Utilization — FICO's Own Words
Card Balances Rose 37% for Borrowers "Finding It Difficult to Get By"

Credit reports

Credit Report Disputes: A 30-Day Reinvestigation Deadline, Sometimes Up to 45
Credit Reports: A 7-Year Limit for Most Negative Items, 10 for Bankruptcies — With Exceptions

Mortgage and home

An Escrow Shortage Can Be Spread Over 12 Months — at the Servicer's Option
PMI Cancellation: A Written Request at 80%, Automatic Termination at 78%, With Conditions

Bank accounts

Does your bank need your opt-in before charging overdraft fees on ATM and one-time debit card transactions?
Check Holds: Regulation CC's $275 Next-Business-Day Rule and Its Exceptions
ATM Fee Notice Rule: What 12 CFR § 1005.16 Requires
The Right to Stop Payment on a Recurring Bank Debit: What 12 CFR § 1005.10(c) Says

Everyday purchases and subscriptions

FTC Fees Rule: Live-Event Ticket and Short-Term Lodging Prices Must Show the Total Price, Including Mandatory Fees, With Listed Exclusions
Online Negative-Option Charges: What 15 U.S.C. § 8403 Requires
Can you cancel a door-to-door sale after you sign?
Our free fill-in template for a notice of cancellation under the FTC Cooling-Off Rule (our product)
Does your eye doctor have to give you a copy of your eyeglass prescription?

Loans and buy now, pay later

Experian: Affirm Plans to Report Loans Issued From April 2025, Pay-in-4 Included
82% of Payday Loans Were Renewed Within 14 Days — the CFPB Data
Do several lenders checking your credit count as several inquiries?

Health insurance

If your health plan denies an appeal, can an outside reviewer decide?

Definitions

Grace Period
Credit Utilization
Reinvestigation (Credit Report Dispute)
Escrow Shortage
PMI (Private Mortgage Insurance)
Overdraft Opt-In
Cooling-Off Rule

Browse by topic on the topics page, or see every post in date order in the archive.

Everything here is consumer information — not financial or legal advice. It covers what a rule says and where to find it; the decisions stay yours.