We currently offer one-year lines of credit using the customer's home as collateral. These are closed-end notes with no set payment schedule (so no periodic statements). As I understand it, we are still required to give the customer the same disclosures as for a HELOC. Other than the "Home Is On The Line" booklet, can anyone tell me (and hopefully provide samples) of what other disclosures we would give in this instance? Thanks!

I don't think so. The HELOC disclosures in Reg Z are specifically for open-end credit.

You need to work carefully on this one. Reg Z defines open end credit very specifically. Anything that doesn't meet the open-end definition is closed-end. First run your program through the O/E definition. If it flunks, then you have closed end credit. You will have to be one or the other and make the appropriate disclosures.