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Contract X-Ray — what's buried in the fine print
1 red flag · 3 filed docs
Detected in the CFPB-filed cardholder agreements from Houston Federal Credit Union. Verbatim quotes below — CardSleuth flags the language; this isn't legal advice.
Forced arbitration with no opt-out found — you likely can't take this issuer to court, and there's no way to reject it.
Forced arbitration
You give up your right to sue in court — disputes are pushed into private arbitration.
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“…is a dispute between you and the Credit Union in connection with your loan, the Credit Union hereby expressly disclaims and waives any such mandatory arbitration provision. Except as expressly modified herein, the terms and conditions of your Loan Agreement, including the Credit Union s remedies upon default, remain unc…”