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Those who have served at least 90 days, but less than six months, receive 40 percent of the maximum benefit.
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For open-end credit, the total cost of credit must be calculated following the rules for calculating the effective annual percentage rate for a billing cycle as set forth in Regulation Z, (c) and (d) (as if a lender must comply with that section) and must include the charges set forth in paragraphs (i)(A) through (E) of this section, including the amount of charges related to opening, renewing, or continuing an account, to the extent those charges are set forth in paragraphs (i)(A) through (E) of this section.
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The comment provides that examples of a reasonable means of communication include calling the lender and revoking consent orally, mailing a revocation to an address provided by the lender on its consumer correspondence, sending an email response or clicking on a revocation link provided in an email from the lender, and responding to a text message sent by the lender.
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