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thank you for your reply. That is what I had been reading and then I had others point me to the official interpretation of the Bureau of Consumer Financial Protection — 12 CFR Chapter X . So is #2 telling me it’s not required? Thank you.

9(c)(1)(iii) Notice to Restrict Credit

1. Written request for reinstatement. If a creditor requires the request for reinstatement of credit privileges to be in writing, the notice under §1026.9(c)(1)(iii) must state that fact.

2. Notice not required. A creditor need not provide a notice under this paragraph if, pursuant to the commentary to §1026.40(f)(2), a creditor freezes a line or reduces a credit line rather than terminating a plan and accelerating the balance.

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