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So Atilla regulations in philadelphia credit a PR and advertising Atilla deals with credit a PR and advertising of consumer lives it requires lenders to disclose the complete cost of credit complete cost of credit what do I mean when I say requires them to disclose the complete cost of credit pistol audison that they have to tell you the whole story upfront for example yes you're buying this house 300,000 but after 30 years you would have paid blanks you get that they have to tell you the whole story the complete cost of credit so they're going actually what law tells you it requires the creditor disclose a complete cost of credit my daughter went to go buy a car when she graduated college and she was smart she didn't know wanted to go with her she went to do everything on her own so when she went there she found a card with $16,000 what I do want to help you come in negotiate well I can do this I'm educated up in college $16,000 here's the picture of the car do you think great but then she called us back about 15 minutes later not till she's in the back mom Dan you guys better come because they're trying to trick me now because all the paperwork shows nineteenth no they're not trying to trick you they had to disclose the complete cost of credit after six years of paying on the car it will be this what law says that they have to tell you that upfront Atilla since they have to disclose the complete cost of credit that's what that means when they say that okay Atilla is also the law i actually guys this on the flash cards earlier Atilla is also the law that established the three-day right of rescission what law established a three-day right of rescission Philip so for those of you that don't remember what is the three-day right of rescission rule in a HELOC in a refi even though they sign docs they have three days that they can change their mind it's called a cooling-off period are you sure you want to take out this additional debt are you sure you want to start your loan over in a he lap or a refi there's a three-day right a rescission what log is that three-day right of rescission Atilla if it's a purchase there is no right of rescission so the questions are going to be what law established a three-day right of rescission will Atilla Atilla is the law that established the three-day right a residual if it's a HELOC or refi they have three days even though these funded dots that they can change their mind if it's a purchase zero right of rescission says who till purchase no right of rescission if a bar does rescind or rescind simply means change their mind then money was collected in escrow for whatever reason they