under this subsection and subsection (e)
(in the format required under section
122(c)) if the application or disclosure re-
lates to such other type, designation, or
brand of credit card.
‘‘(iii) A completed application or solic-
itation submitted by a consumer may not
be processed by a credit card issuer unless
the application or solicitation contains an
explicit statement by the consumer, in the
format prescribed by the Board pursuant
to section 122(c)(3), that the consumer is
or is not willing to accept a different type,
designation, or brand of credit card than
the type, designation, or brand of credit
card to which such application or solicita-
tion relates.
‘‘(iv) If a credit card issuer is unwill-
ing to issue a credit card of the type, des-
ignation, or brand of credit card to which
an application or solicitation relates and
the consumer has indicated that the
consumer is not willing to accept a dif-
ferent type, designation, or brand of credit
card, then the credit card issuer may not
issue a credit card on the basis of such ap-
plication or solicitation.’’.
(b) DISCLOSURES IN TELEPHONE SOLICITATIONS.—
Section 127(c)(2) of the Truth in Lending Act (15 U.S.C.
1637(c)(2)) is amended by adding at the end the following
new subparagraph:
‘‘(C) 
ADDITIONAL
DISCLOSURES
AND
CONSUMER RESPONSES.—
‘‘(i) IN GENERAL.—In the case of a
telephone solicitation to open a credit card
account for any person under an open end
consumer credit plan, the person making
the solicitation shall orally disclose, to the
extent applicable, the information de-
scribed in paragraph (1)(C)(i) and clauses
(i) and (ii) of paragraph (1)(D) with re-
gard to such solicitation.
‘‘(ii) CONSUMER
RESPONSES.—If a
person making a telephone solicitation de-
scribed in clause (i) is required to orally
disclose information pursuant to such
clause, clauses (ii) and (iii) of paragraph
(1)(C) and clauses (iii) and (iv) of para-
graph (1)(D), as the case may be, shall
apply with regard to such solicitation.’’.
(c) DISCLOSURES IN APPLICATIONS AND SOLICITA-
TIONS
BY OTHER MEANS.—Section 127(c)(3) of the
Truth in Lending Act (15 U.S.C. 1637(c)(3)) is amend-
ed—
(1) in subparagraph (A)—
(A) by inserting ‘‘, including publications
or websites on the worldwide web or other dis-
tribution networks,’’ after ‘‘publications’’; and
(B) by inserting ‘‘and the requirements of
subparagraph (F)’’ before the period at the
end; and
(2) by adding at the end the following new sub-
paragraph:
‘‘(F) 
ADDITIONAL
DISCLOSURES
AND
CONSUMER RESPONSES.—
‘‘(i) IN GENERAL.—An application or
solicitation described in subparagraph (A)
meets the requirements of this subpara-
graph if the application or solicitation con-
tains, to the extent applicable, the informa-
tion described in paragraph (1)(C)(i) and
clauses (i) and (ii) of paragraph (1)(D)
with regard to such application or solicita-
tion.
‘‘(ii) CONSUMER
RESPONSES.—If an
application or solicitation described in sub-
paragraph (A) is required to contain infor-
mation pursuant to clause (i) of this sub-
paragraph, clauses (ii) and (iii) of para-
graph (1)(C) and clauses (iii) and (iv) of
paragraph (1)(D), as the case may be,
shall apply with regard to such application
or solicitation.’’.
(d) DISCLOSURES IN APPLICATIONS AND SOLICITA-
TIONS FOR CHARGE CARDS.—Section 127(c)(4) of the
Truth in Lending Act (15 U.S.C. 1637(c)(4)) is amended
by adding at the end the following new subparagraph:
‘‘(F) 
FULL
DISCLOSURE
REQUIRE-
MENTS.—In the case of any application or solic-
itation for a charge card to which subparagraph
(A), (C), or (D) applies, the requirements of
paragraph (1)(D) shall apply to such applica-
tion or solicitation in the same manner and to
the same extent that such subparagraphs of
paragraph (1) apply to credit card applications
and solicitations.’’.
(e) FORMAT OF DISCLOSURES.—
(1) IN
GENERAL.—Section 122(c)(1) of the
Truth in Lending Act (15 U.S.C. 1632(c)) is