CFR > Title 16 - Commercial Practices > CHAPTER I—FEDERAL TRADE COMMISSION > SUBCHAPTER F—THE FAIR CREDIT REPORTING ACT (parts 600 to 698) > PART 642—PRESCREEN OPT-OUT NOTICE > 642.2—Definitions.

642.2—Definitions.

As used in this part:
(a) Simple and easy to understand means:
(1) A layered format as described in § 642.3 of this part ;
(2) Plain language designed to be understood by ordinary consumers; and
(3) Use of clear and concise sentences, paragraphs, and sections.
(i) Examples. For purposes of this part, examples of factors to be considered in determining whether a statement is in plain language and uses clear and concise sentences, paragraphs, and sections include:
(A) Use of short explanatory sentences;
(B) Use of definite, concrete, everyday words;
(C) Use of active voice;
(D) Avoidance of multiple negatives;
(E) Avoidance of legal and technical business terminology;
(F) Avoidance of explanations that are imprecise and reasonably subject to different interpretations; and
(G) Use of language that is not misleading.
(ii) [Reserved]
(b) Principal promotional document means the document designed to be seen first by the consumer, such as the cover letter.