Exceptions
(5) Exceptions. This section does not apply to: (i) Home-equity plans accessible by a credit or charge card that are subject to the requirements of 1026.40; (ii) Covered overdraft credit as defined in 1026.62 tied to asset accounts accessed by check-guarantee cards or by debit cards other than hybrid debit-credit cards as defined in 1026.62; (iii) Lines of credit accessed by check-guarantee cards or by debit cards, other than covered overdraft credit accessed by hybrid debit-credit cards, that can be used only at automated teller machines; (iv) Lines of credit accessed solely by account numbers except for a covered separate credit feature solely accessible by an account number that is a hybrid prepaid-credit card as defined in 1026.61 or covered overdraft credit accessible by an account number that is a hybrid debit-credit card; (v) Additions of a credit or charge card to an existing open-end plan; (vi) General purpose applications unless the application, or material accompanying it, indicates that it can be used to open a credit or charge card account; or (vii) Consumer-initiated requests for applications.