Jump to Content

Topics
- Topics Overview
- Compliance Compliance
  Back
  - Compliance
  - Compliance Overview
  - Acts & Regulations
  - Regulatory Proposals
  - Final Rules
  - Staff Analysis
  - Enforcement Action Database
  - Compliance News
- Risk Management Risk Management
  Back
  - Risk Management
  - Risk Management Overview
  - Fraud
  - Elder Financial Exploitation
  - Identity Theft
  - Anti-Money Laundering
  - Incident Response
  - Physical Security
  - Third-Party Risk
- Consumer Banking Consumer Banking
  Back
  - Consumer Banking
  - Consumer Banking Overview
  - Consumer Lending
  - Financial Literacy
  - Inclusive Banking
  - Insurance
  - Military
  - Mortgage & Home Finance
  - Overdraft Protection
  - Privacy
  - Retail Banking
- Payments Payments
  Back
  - Payments
  - Payments Overview
  - ACH Transactions
  - Credit Cards
  - Debit Cards
  - Federal Electronic Payment Mandate
  - Penny Phaseout
  - Real-Time Payments
- Commercial Banking Commercial Banking
  Back
  - Commercial Banking
  - Commercial Banking Overview
  - Agricultural Banking
  - Commercial Real Estate
  - Commercial & Industrial Loans
  - Small Business
- Technology Technology
  Back
  - Technology
  - Technology Overview
  - Innovation & Fintech
  - Artificial Intelligence
  - Core Platform Resources
  - Cybersecurity
  - .Bank
- Wealth Management Wealth Management
  Back
  - Wealth Management
  - Wealth Management Overview
  - Trust & Investments
  - Securities
  - Health Savings Accounts
- Marketing & Communications Marketing & Communications
  Back
  - Marketing & Communications
  - Marketing & Communications Overview
  - Marketing
  - Social Media
- Leadership & Operations Leadership & Operations
  Back
  - Leadership & Operations
  - Leadership & Operations Overview
  - Human Resources
  - Leadership
  - Workforce Excellence
  - Accounting
  - Capital
  - Liquidity
  - Economic Trends
  - Taxes
- All Banking Topics
Read the latest Agricultural Lender Survey report from ABA and Farmer Mac.

View the report
Training & Events
- Training & Events Overview
- Calendar
- Conferences Conferences
  Back
- Online Training Online Training
  Back
- Certifications Certifications
  Back
- Schools Schools
  Back
- Textbooks Textbooks
  Back
- Career & Workforce Development Career & Workforce Development
  Back
  - Career & Workforce Development
  - Career & Workforce Development Overview
  - Breaking Banking Myths
  - CEO & Executive
  - Directors & Trustees
  - Emerging Leaders
  - Higher Education Programs
  - Human Resources
  - Women in Banking
- All Training
Level up your skills as an advisor and earn a year’s worth of CE credits for ABA’s CTFA.

Register now
Experts & Peers
Connect with an ABA expert for guidance on policy, compliance and other critical banking issues.

Find expert
News & Research
- News & Research Overview
- Analysis & Guides
- Economic Research & Insights Economic Research & Insights
  Back
  - Economic Research & Insights
  - Economic Research & Insights Overview
  - Banking Research Dissertation Grant Program
  - Office of the Chief Economist
- Email Bulletins Email Bulletins
  Back
- Podcasts
- ABA Banking Journal ABA Banking Journal
  Back
  - ABA Banking Journal
  - ABA Banking Journal Overview
  - ABA Viewpoint Blog
- ABA Banking Journal Directors Briefing
- ABA Risk and Compliance Magazine ABA Risk and Compliance Magazine
  Back
  - ABA Risk and Compliance Magazine
  - ABA Risk and Compliance Magazine Overview
  - Editorial Calendar
  - Advertising Rates & Information
  - Reader Profile
  - Author Guidelines
  - Magazine Contacts
- ABA Bank Marketing
- All News
New ABA Morning Consult survey shows how consumers rank banks above industries for fraud protection.

View Infographic
Advocacy
- Advocacy Overview
- What We Stand For What We Stand For
  Back
  - What We Stand For
  - What We Stand For Overview
  - Economic Growth
  - Rational Regulation
  - A Competitive Marketplace
  - Issue Backgrounders
- Our Issues Our Issues
  Back
- Policy Analysis & Advocacy Efforts
- State Laws & Legislation
- State Association Alliance State Association Alliance
  Back
  - State Association Alliance
  - State Association Alliance Overview
  - State Association Contacts
- Political Engagement Political Engagement
  Back
  - Political Engagement
  - Political Engagement Overview
  - BankPac
  - Grassroots
  - Voter Education Program
- Community Programs Community Programs
  Back
  - Community Programs
  - Community Programs Overview
  - Fraud-Fighting Campaigns
  - America's Banks
  - Teach Children to Save
  - Get Smart About Credit
  - Safe Banking for Seniors
  - Lights, Camera, Save!
  - Consumer Resources
- Impact of America's Banks
Find free resources to help protect seniors in your community – and their families – from fraud and scams.

View Resources
About Us
- About Us Overview
- ABA Foundation ABA Foundation
  Back
  - ABA Foundation
  - ABA Foundation Overview
  - Financial Education Programs
  - Strong Resilient Communities
  - Homeownership Wealth Generation
- Our Story Our Story
  Back
- Leadership
- ABA Routing Number
- Press Room Press Room
  Back
  - Press Room
  - Press Room Overview
  - Media Contacts
  - ABA Expert Photos
  - ABA Media Appearances
  - Media Credentials
- Careers at ABA Careers at ABA
  Back
  - Careers at ABA
  - Careers at ABA Overview
  - Benefits
  - FAQs
  - Internships
- Contact Us Contact Us
  Back
  - Contact Us
  - Contact Us Overview
  - Customer Support
  - Compliance Hotline
  - Professional Certifications
Stay money-smart this holiday season! Explore ABA Foundation consumer resources to help manage finances and avoid fraud.

View resources
Membership
- Membership Overview
- Join
- Details About Bank Membership Details About Bank Membership
  Back
  - Details About Bank Membership
  - Details About Bank Membership Overview
  - Community Banks
  - Larger Banks
  - Mutual Banks
  - Agricultural Banks
  - De Novo Banks
  - Trust Companies
- Member Savings Member Savings
  Back
  - Member Savings
  - Member Savings Overview
  - Finovate
- Connect to ABA Resources Connect to ABA Resources
  Back
  - Connect to ABA Resources
  - Connect to ABA Resources Overview
  - Benefits Webinar
  - Resources for Every Job Role
- Partner with ABA Partner with ABA
  Back
  - Partner with ABA
  - Partner with ABA Overview
  - Join
  - Benefits
  - Get Started
  - Resources for Partners
  - Ways to Engage
  - Terms and Conditions
Drive smarter tech decisions. ABA’s Technology Management Guide gives banks a clear governance roadmap.

Download today

Shopping Cart
Sign In

Search ABA

Search ABA

Home
Topics
Compliance
From the Hotline
fcra risk based pricing notice co signer

Is a risk‑based pricing notice required for a co‑signer when the loan’s APR is based on their credit?

Sign In To Continue Reading

Sign in Register

1-800-Bankers (800-226-5377)

1333 New Hampshire Avenue NWWashington, DC 20036

How to Contact ABA

Sitemap

Topics
Training & Events
Experts & Peers
News & Research
Advocacy
About Us
Membership

Connect With Us

Follow ABA on X
Follow ABA on Facebook
Follow ABA on Linkedin
Follow ABA on YouTube
Follow ABA on Instagram
Follow ABA on Email Bulletins

© 2026 American Bankers Association

Reprint Request
Shipping & Handling Rates
Refund Policy
Privacy Policy
Terms of Service
Accessibility Statement
Press Room
Site Sponsor