12 U.S.C. § 4302: Disclosure of interest rates and terms of accounts

The annual percentage yield. The period during which such annual percentage yield is in effect. All minimum account balance and time requirements which must be met in order to earn the advertised yield (and, in the case of accounts for which more than 1 yield is stated, each annual percentage yield and the account minimum balance requirement associated with each such yield shall be in close proximity and have equal prominence). The minimum amount of the initial deposit which is required to open the account in order to obtain the yield advertised, if such minimum amount is greater than the minimum balance necessary to earn the advertised yield. A statement that regular fees or other conditions could reduce the yield. A statement that an interest penalty is required for early withdrawal. The Bureau may, by regulation, exempt advertisements, announcements, or solicitations made by any broadcast or electronic medium or outdoor advertising display not on the premises of the depository institution from any disclosure requirements described in paragraph (4) or (5) of subsection (a) if the Bureau finds that any such disclosure would be unnecessarily burdensome. the accompanying annual percentage yield; and a statement that the consumer should request further information from an employee of the depository institution concerning the fees and terms applicable to the advertised account. a minimum balance must be maintained in the account during such period; or the number of transactions during such period may not exceed a maximum number; or any regular service or transaction fee is imposed. No depository institution or deposit broker shall make any advertisement, announcement, or solicitation relating to a deposit account that is inaccurate or misleading or that misrepresents its deposit contracts.