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Contract X-Ray — what's buried in the fine print
3 red flags · 2 filed docs
Detected in the CFPB-filed cardholder agreements from Hudson Valley 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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“…the relationships among the parties hereto shall be resolved by one If you receive our explanation but still believe your bill is arbitrator through binding arbitration administered by wrong, you must write to us within 10 days telling us that the American Arbitration Association ( AAA ) in the State you still refuse…”
You can't band together with other cardholders in a class action.
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“…f your current mailing address, and preceding sentence shall not apply to the clause entitled the purchase price must have been more than $50. (Note: Class Action Waiver. Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the This provision does not apply to co…”
You waive your right to have a dispute heard by a jury.
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“…RATION. This provision does not apply to covered borrowers, as such term is defined in the Military Lending Act, as may be amended from time to time. Waiver of Jury Trial Subject to and without modifying or waiving in any way the clauses above entitled Mandatory Arbitration and Class Action Waiver, each of the pa…”