Section 202.3 Limited exceptions for certain classes of transactions.
(c) Incidental credit. (1) Definition. Incidental credit refers to extensions of consumer credit other than credit of the types described in paragraphs (a) and (b) of this section:
(i) That are not made pursuant to the terms of a credit card account;
(ii) That are not subject to a finance charge (as defined in Regulation Z, 12 CFR 226.4); and
(iii) That are not payable by agreement in more than four installments.
(2) Exceptions. The following provisions of this regulation do not apply to incidental credit:
(i) Section 202.5(c) concerning information about a spouse or former spouse;
(ii) Section 202.5(d)(1) concerning information about marital status;
(iii) Section 202.5(d)(2) concerning information about income derived from alimony, child support, or separate maintenance payments;
(iv) Section 202.5(d)(3) concerning information about the sex of an applicant, but only to the extent necessary for medical records or similar purposes;
(v) Section 202.7(d) relating to the signature of a spouse or other person;
(vi) Section 202.9 relating to notifications;
(vii) Section 202.10 relating to furnishing of credit information; and
(viii) Section 202.12(b) relating to record retention.
