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The fine print, magnified.

Every line on the sheet is a real rule or a real number. The margin says what it means and where it’s written.

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12 months, at least

If your escrow comes up short, one option the rule gives your servicer is spreading it over 12 or more equal monthly payments.

Written in
Regulation X, 12 CFR § 1024.17(f)(3), (f)(5), (i)
Check
Your annual escrow account statement
Read the rule

80% ask · 78% ends

At 80% of the original value you can request cancellation in writing; at 78% PMI ends automatically, if the conditions hold.

Written in
Homeowners Protection Act, 12 U.S.C. § 4902
Check
Your PMI disclosure form
Read the rule

21 days before the due date

A grace period isn’t required. If you don’t pay in full, per the CFPB, you may lose it that month and the next.

Written in
Regulation Z, 12 CFR § 1026.5(b)(2)(ii)
Read the rule

30% of a FICO Score

Closing a card can raise your utilization. Amounts owed weigh 30% of a FICO Score; FICO publishes no exact point value.

Written in
myFICO
Read the rule

3 business days to cancel

Covered sales at your door ($25 or more) can be cancelled until midnight of the third business day. Saturday counts.

Written in
FTC Cooling-Off Rule, 16 CFR Part 429
Read the rule

Opt-in or no fee

No overdraft fee on ATM or one-time debit card transactions unless you opted in. You can revoke any time.

Written in
Regulation E, 12 CFR § 1005.17
Read the rule

What this is

We find a rule about your money or your data, explain what it means, show the primary source, and say where you can check or what you can ask. Short videos on Instagram, TikTok and YouTube; source pages for many of them live here.

How we check a claimInstagramTikTokYouTube

Consumer information — not financial or legal advice.

What do you have?

Pick one. You get the pages that apply, the rule on the sheet above, and a template if one fits. Nothing here is pre-selected.

Sources last checked: October 8, 2026.

Fourteen pages, seven situations. Tap the pile that’s yours.

Not sure which? Read this first: seven situations in plain sentences, each tied to its rule.

A bank account 3 pages

  1. Check Holds: Regulation CC’s $275 Next-Business-Day Rule and Its Exceptions3 min
  2. Overdraft
  3. ATM Fee Notice Rule: What 12 CFR § 1005.16 Requires

A credit card 4 pages

  1. Credit card grace periods
  2. Unauthorized Credit Card Use: Regulation Z Sets a $50 Ceiling on Cardholder Liability3 min
  3. Regulation Z Bars Credit Card APR Increases Except in Listed Cases4 min
  4. Closing a card

A mortgage 2 pages

  1. PMI Cancellation: A Written Request at 80%, Automatic Termination at 78%, With Conditions
  2. Escrow shortage

A credit report 2 pages

  1. Credit Report Disputes: A 30-Day Reinvestigation Deadline, Sometimes Up to 452 min
  2. Credit Reports: A 7-Year Limit for Most Negative Items, 10 for Bankruptcies — With Exceptions3 min

A payday loan 1 page

  1. 82% of Payday Loans Were Renewed Within 14 Days — the CFPB Data

A purchase at your door 1 page

  1. Door-to-door sales

An online subscription 1 page

  1. Online Negative-Option Charges: What 15 U.S.C. § 8403 Requires2 min

We read the fine print so it’s on the record — and here is how a claim makes it onto this site.

Never Opted In, About

The Letters Kit Our product

Five templates, each built on one federal consumer law or rule: four letters and one check-and-dispute page. One PDF, $15, one-time payment. Refund within 14 days on request.

1

Private mortgage insurance: cancellation request

Homeowners Protection Act of 1998 · 12 U.S.C. 4901-4903

2

Door-to-door sale: notice of cancellation

FTC Cooling-Off Rule · 16 CFR Part 429

Free on this siteOur product
3

Overdraft opt-in, ATM and one-time debit: revocation

Regulation E · 12 CFR 1005.17

4

TV or home internet equipment charges: letter about the charge

47 U.S.C. § 562(c)

5

Gift card fees and expiration: a check-and-dispute page

Regulation E · 12 CFR 1005.20

The Letters Kit · $15

Our product, sold by Never Opted In. A letter in this kit is a request or a notice. It does not guarantee any outcome.

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    Never Opted In / neveroptedin.com / Consumer info · US / What a rule says and where to find it / Sources cited on the Cheat Sheet: eCFR · CFPB · FTC · myFICO / Cheat Sheet sources last checked: September 23, 2026. / Set in Bricolage Grotesque, Hanken Grotesk and DM Mono

    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.

    © 2026 Never Opted In.
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