[jmahan]

I need a better understanding of when we are required to redisclose out T&C’s. We are converting to a new Core vendor and will be utilizing their T&C’s. They also use Wolters Kluwer, but it is not clear in the T&C’s what the changes are. However; our vendors version is 2021 where ours is 2018.

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[jholzknecht]

Please clarify does you question involve loans, deposit accounts or both? For loans, is the credit open-end or closed-end credit and is it secured or unsecured? Ultimately you will probably need a list of the changes from 2018 to 2021 to determine whether redisclosure is required and how redisclosure is to be accomplished.

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