---
kind: "section"
citation: "15 U.S.C. § 1666i–2"
title: "15"
title_heading: "Commerce and Trade"
number: "1666i–2"
heading: "Additional limits on interest rate increases"
release: "119-102"
date: "2026-07-12"
url: "https://uscodex.org/usc/15/1666i-2"
units:
  - "Chapter 41 — Consumer Credit Protection"
  - "Subchapter I — Consumer Credit Cost Disclosure"
  - "Part D — Credit Billing"
---

# §1666i–2. Additional limits on interest rate increases

- (a) **Limitation on increases within first year—** Except in the case of an increase described in paragraph (1), (2), (3), or (4) of [section 1666i–1(b) of this title](/usc/15/1666i–1.md?p=b), no increase in any annual percentage rate, fee, or finance charge on any [credit card](/usc/15/1602.md?p=l) [account](/usc/15/1681a.md?p=r-4) under an [open end consumer credit plan](/usc/15/1602.md?p=j) shall be effective before the end of the 1-year period beginning on the date on which the [account](/usc/15/1681a.md?p=r-4) is opened.
- (b) **Promotional rate minimum term—** No increase in any annual percentage rate applicable to a [credit card](/usc/15/1602.md?p=l) [account](/usc/15/1681a.md?p=r-4) under an [open end consumer credit plan](/usc/15/1602.md?p=j) that is a promotional rate (as that term is defined by the [Bureau](/usc/15/1602.md?p=b)) shall be effective before the end of the 6-month period beginning on the date on which the promotional rate takes effect, subject to such reasonable exceptions as the [Bureau](/usc/15/1602.md?p=b) may establish, by rule.

## Source credit

(Pub. L. 90–321, title I, § 172, as added Pub. L. 111–24, title I, § 101(d), May 22, 2009, 123 Stat. 1738; amended Pub. L. 111–203, title X, § 1100A(2), July 21, 2010, 124 Stat. 2107.)

## Notes

### Editorial Notes

### Amendments

2010—Subsec. (b). Pub. L. 111–203 substituted “Bureau” for “Board” in two places.

### Statutory Notes and Related Subsidiaries

### Effective Date of 2010 Amendment

Amendment by Pub. L. 111–203 effective on the designated transfer date, see section 1100H of Pub. L. 111–203, set out as a note under section 552a of Title 5, Government Organization and Employees.

### Effective Date

Section effective 9 months after May 22, 2009, except as otherwise specifically provided, see section 3 of Pub. L. 111–24, set out as an Effective Date of 2009 Amendment note under section 1602 of this title.