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Contract X-Ray — what's buried in the fine print
3 red flags · 3 filed docs
Detected in the CFPB-filed cardholder agreements from Regions Bank. 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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“…re such a waiver is prohibited by applicable law. Requirement to Arbitrate. Upon the demand of you or us, any Claim(s) will be resolved by individual binding arbitration under the terms specified in this Mutual Arbitration Agreement. A Claim subject to arbitration is any claim, cause of action, dispute, or controversy…”
You can't band together with other cardholders in a class action.
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“…ansferred, removed, or appealed to a different court or the matter is not brought on an individual basis (i.e., a class, consolidated, collective, or representative basis), at which point either party has the right to demand arbitration. If a claim is within the jurisdiction of the small claims court where you reside,…”
You waive your right to have a dispute heard by a jury.
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“…an official judgment. The specific terms and conditions under which we may arbitrate a dispute are continued in the Mutual Arbitration Agreement and Waiver of Jury Trial section of this Agreement. Please read the rest of this section carefully. This Agreement is made in Alabama and we extend credit to you from A…”