February 4, 2014 at 9:59 pm EST
#5298
rcooper
Member
You seem to be correct, but I believe reviewing Appendix B might clear up any further questions you might have. The wording provided is part of a sample form that uses model language; that being said I have never seen any other language used by a creditor.
https://www.gpo.gov/fdsys/pkg/CFR-2013-title12-vol8/pdf/CFR-2013-title12-vol8-part1003-appB.pdf