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Appendix A-1 Model Open-End or Finance Vehicle Lease Disclosures - federalreserve

Appendix A-1 Model Open-End or Finance Vehicle Lease Disclosures - federalreserve 2026

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The document provides model disclosures for open-end and closed-end vehicle leases as required by the Federal Consumer Leasing Act. It outlines key financial details such as amounts due at lease signing, monthly payments, additional charges, and terms related to early termination, excessive wear, insurance requirements, and purchase options at the end of the lease term. The document aims to ensure transparency and inform lessees about their obligations and rights throughout the leasing process.

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Click ‘Get Form’ to open it in the editor.
Begin by entering the date at the top of the form. This is essential for tracking the lease timeline.
Fill in the lessor(s) and lessee(s) names. Ensure accuracy as this identifies all parties involved.
Itemize the amount due at lease signing, including capitalized cost reduction, first monthly payment, and any refundable security deposits.
Complete the monthly payments section by calculating your total monthly payment based on provided formulas. Make sure to include any applicable taxes.
Review additional charges such as disposition fees and ensure you understand potential costs for early termination or excessive wear.
Finally, check all fields for accuracy before saving or sharing your completed document.

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Versions	Form popularity	Fillable & printable
1997	4.8 Satisfied (133 Votes)
1996	4 Satisfied (29 Votes)

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We have answers to the most popular questions from our customers. If you can't find an answer to your question, please contact us.

Are closed-end leases worth it?

Many lease contracts include a buyout option that allows you to purchase the car at the end of the lease or possibly even before then. If youre allowed to buy out the lease before it ends, youll be responsible for paying fees and the residual value of the vehicle.

Can you pay off a closed-end lease early?

Open-end leases: The basics. In an open-end lease, the lessee (e.g., the fleet owner) takes on the vehicles depreciation risk and will be responsible for the difference between the vehicles actual market value at the end of the lease term and the residual value that was agreed upon at the beginning of the lease.

What is the difference between open-end and closed-end lease?

More Benefits and Considerations of a Close-End Lease Closed-end leases are a great option for organizations that have stricter budgets and consistent needs, such as: Steady and predictable daily operations. Set estimate of driver mileage* Little or average wear from vehicle usage.

What is the Federal Consumer Leasing Act disclosure?

Open-end leases are also called finance leases. Often, open-end leases are used in commercial transactions. For example, when a moving business procures a fleet of vans and trucks, an open-end lease may prove to be a better bargain due to the unlimited mileage offered under the terms of a lease.

What is the difference between a closed-end car lease and an open-end car lease?

Regulation M, Consumer Leasing, implements the Consumer Leasing Act (15 USC 1667 et seq.), which was enacted in 1976. A major purpose of the act is to ensure that consumers receive meaningful and accurate disclosure of the terms of a lease before entering into a contract to lease personal property.

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What disclosures are on a vehicle lease agreement?

The gross capitalized cost, including a disclosure of the agreed upon value of the vehicle, a description such as the agreed upon value of the vehicle [state the amount] and any items you pay for over the lease term (such as service contracts, insurance, and any outstanding prior credit or lease balance), and a