We will display consumer credit card agreements in this database as the respective issuers submitted them. The CFPB is not responsible for the content of the agreements, including differences between an agreement as presented in this database and the agreement as it is offered to the public, nor for omissions or other errors in the agreement as presented by the issuer. See for example. B CFPB, CARD Act Report, as of October 13-14, 2013, available in files.consumerfinance.gov/f/201309_cfpb_card-act-report.pdf. Alternatively, the Bureau was considering termiation of the temporary suspension on the obligation to submit to the Bureau, at the end of the suspension, the agreements that it would have had to submit without the suspension. Compared to the final rule, this alternative would have resulted in lower costs for consumers and would have brought fewer benefits to issuers. Given that, initially, the costs to consumers are low under the final rule, the Bureau considers that the final regulation is superior to the alternative. A commentator at an academic centre for public policy objected to this alternative, arguing that the additional compliance costs associated with the requirement for issuers to collect and submit the endorsement are not justified by the marginal benefit to consumers. In accordance with Section 122(d)(3) of TILA, the Bureau maintains on its public website a collection of consumer credit card agreements that card issuers submit in accordance with Section 122(d)(2) of TILA, as implemented in § 1026.58(c). The repository`s electronic records are filed by quarter, back to the third quarter of 2011, reflecting the transfer of TILA`s implementing authority from the Board of Directors to the office in accordance with the Dodd-Frank Act. For each quarter, the repository contains a copy of each agreement in PDF format that was made available to consumers at the end of that quarter. The repository also contains, for each quarter, a table containing certain information identifying each agreement and the issuer.
C. Any credit card agreement previously submitted to the Bureau, amended since the last business day of the calendar quarter ending December 31, 2014 and that the card issuer has offered to the public beginning on the last business day of the calendar quarter ending March 31, 2016, in accordance with the provisions of subsection 1026.58(c)(1)(iii) and (c)(3); and 6. The Office of Credit Card Agreements database is available under www.consumerfinance.gov/credit-cards/agreements/. 2. Resumption of the deposit of credit card contracts at the office. Starting with the deposit, on the first business day on or after the 30th Card issuers must resume the quarterly deposit of credit card contracts at the Bureau in accordance with section 1026.58 (c). . . .