(a) Form of disclosures. Except for the disclosures required by Sec. 1026.19(e), (f), and (g):
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(b) Time of disclosures. The creditor shall make disclosures before consummation of the transaction. In certain residential mortgage transactions, special timing requirements are set forth in Sec. 1026.19(a). In certain variable-rate transactions, special timing requirements for variable-rate disclosures are set forth in Sec. Sec. 1026.19(b) and 1026.20(c) and (d). For private education loan disclosures made in compliance with Sec. 1026.47, special timing requirements are set forth in Sec. 1026.46(d). In certain transactions involving mail or telephone orders or a series of sales, the timing of disclosures may be delayed in accordance with paragraphs (g) and (h) of this section. This paragraph (b) does not apply to the disclosures required by Sec. Sec. 1026.19(e), (f), and (g) and 1026.20(e).
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(f) Early disclosures. Except for private education loan disclosures made in compliance with Sec. 1026.47, if disclosures required by this subpart are given before the date of consummation of a transaction and a subsequent event makes them inaccurate, the creditor shall disclose before consummation (subject to the provisions of Sec. 1026.19(a)(2), (e), and (f)):
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(g) Mail or telephone orders--delay in disclosures. Except for private education loan disclosures made in compliance with Sec. 1026.47 and mortgage disclosures made in compliance with Sec. 1026.19(a) or (e), (f), and (g), if a creditor receives a purchase order or a request for an extension of credit by mail, telephone, or facsimile machine without face-to-face or direct telephone solicitation, the creditor may delay the disclosures until the due date of the first payment, if the following information for representative amounts or ranges of credit is made available in written form or in electronic form to the consumer or to the public before the actual purchase order or request:
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(h) Series of sales--delay in disclosures. Except for mortgage disclosures made in compliance with Sec. 1026.19(a) or (e), (f), and (g), if a credit sale is one of a series made under an agreement providing that subsequent sales may be added to an outstanding balance, the creditor may delay the required disclosures until the due date of the first payment for the current sale, if the following two conditions are met: