We could also provide an example of the forms for the consumer.
For consumers, there's a very standard information box, when they enter into a credit card contract, that needs to be featured on all the contracts. It has standard information and is easy to comprehend for the consumer, and the forms must all follow the same template.
In terms of changes to features or terms and conditions, for example, if they're changing the annual interest rate, that must be disclosed at least 30 days prior to the change being put into effect.