# 12 C.F.R. § 202.4 (2026): General rules

> Federal · Regulations · In force

URL: https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_4

## Section

- **Citation:** 12 C.F.R. § 202.4 (2026)
- **Heading:** General rules
- **Jurisdiction:** Federal
- **Kind:** Regulations
- **Status:** In force
- **Text as of:** August 14, 2026
- **Source:** Compiled text
- **Location:** Title 12 CFR: Banks and Banking / Chapter II / Part 202 / § 202.4: § 202.4   General rules.

## Text

(a) Discrimination. A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. (b) Discouragement. A creditor shall not make any oral or written statement, in advertising or otherwise, to applicants or prospective applicants that would discourage on a prohibited basis a reasonable person from making or pursuing an application. (c) Written applications. A creditor shall take written applications for the dwelling-related types of credit covered by § 202.13(a). (d) Form of disclosures —(1) General rule. A creditor that provides in writing any disclosures or information required by this regulation must provide the disclosures in a clear and conspicuous manner and, except for the disclosures required by §§ 202.5 and 202.13, in a form the applicant may retain. (2) Disclosures in electronic form. The disclosures required by this part that are required to be given in writing may be provided to the applicant in electronic form, subject to compliance with the consumer consent and other applicable provisions of the Electronic Signatures in Global and National Commerce Act (E-Sign Act) (15 U.S.C. 7001 et seq. ). Where the disclosures under §§ 202.5(b)(1), 202.5(b)(2), 202.5(d)(1), 202.5(d)(2), 202.13, and 202.14(a)(2)(i) accompany an application accessed by the applicant in electronic form, these disclosures may be provided to the applicant in electronic form on or with the application form, without regard to the consumer consent or other provisions of the E-Sign Act. (e) Foreign-language disclosures. Disclosures may be made in languages other than English, provided they are available in English upon request. [Reg. B, 68 FR 13161, Mar. 18, 2003, as amended at 72 FR 63451, Nov. 9, 2007]

## Nearby sections

- [12 C.F.R. § 202.1 (2026) § 202.1   Authority, scope and purpose.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_1.md)
- [12 C.F.R. § 202.2 (2026) § 202.2   Definitions.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_2.md)
- [12 C.F.R. § 202.3 (2026) § 202.3   Limited exceptions for certain classes of transactions.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_3.md)
- [12 C.F.R. § 202.4 (2026) § 202.4   General rules.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_4.md)
- [12 C.F.R. § 202.5 (2026) § 202.5   Rules concerning requests for information.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_5.md)
- [12 C.F.R. § 202.6 (2026) § 202.6   Rules concerning evaluation of applications.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_6.md)
- [12 C.F.R. § 202.7 (2026) § 202.7   Rules concerning extensions of credit.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_7.md)
- [12 C.F.R. § 202.8 (2026) § 202.8   Special purpose credit programs.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_8.md)
- [12 C.F.R. § 202.9 (2026) § 202.9   Notifications.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_9.md)
- [12 C.F.R. § 202.10 (2026) § 202.10   Furnishing of credit information.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_10.md)
- [12 C.F.R. § 202.11 (2026) § 202.11   Relation to state law.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_11.md)
- [12 C.F.R. § 202.12 (2026) § 202.12   Record retention.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_12.md)
- [12 C.F.R. § 202.13 (2026) § 202.13   Information for monitoring purposes.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_13.md)
- [12 C.F.R. § 202.14 (2026) § 202.14   Rules on providing appraisal reports.](https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_14.md)

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Source: Frix Law Library, https://www.frixlaw.com/law-library/statutes/CFR_T12_P202_S202_4. Check the current official text before relying on it. Not legal advice.