structural:expansion
Advertising, solicitation, application and approval

Credit card advertising regulations in the U.S. include the Schumer box disclosure requirements. A large fraction of junk mail consists of the credit card offers created from lists provided by the major credit reporting agencies. In the United States, the three major U.S. credit bureaus (Equifax, TransUnion and Experian) allow consumers to opt out from related credit card solicitation offers via its Opt Out Pre Screen program.