On this page
The document must meet the disclosure rules
An FDD has prescribed content, attachments, format, delivery and retention requirements. The prospect must be able to store, download, print or maintain it. The electronic-format rule permits specified navigation but restricts other multimedia, popups and links to external information.
Putting disclosure paragraphs around an interactive website, calculator or exported planning brief does not automatically create an FDD. A format useful for teaching still needs to meet the actual formal-document rules.
The waiting period does not start with the badge
A fictional brand requires a module about support costs before signing. Its completion can show learning progress, but does not establish formal delivery. Check the required timetable using the actual FDD, agreements and relevant commitment events, not the module’s completion time.
Disclosure and a receipt are not government approval, a profit promise or general permission to sell. Learning progress does not replace the formal delivery evidence. The linked timing guide covers the earlier agreement/payment question.
Scope
- No website format or delivery method is approved here. Independent state requirements remain separate.
Next step
Use the formal disclosure document and actual delivery evidence when deciding the signing or payment timetable.
Sources & review notes
Federal Trade Commission
Passage, dates and research notes
primary · section-436.6
Respond fully to each disclosure Item.
Current eCFR displayed through 2026-11-09; eCFR is authoritative but not the official legal edition.
Federal Trade Commission
Passage, dates and research notes
primary · section-436.2
at least 14 calendar-days
Current eCFR displayed through 2026-11-09; eCFR is authoritative but not the official legal edition.
Detailed rule records (1)
The rule requires a retainable plain-English FDD and limits features in an electronic FDD: navigation features are allowed, while other multimedia and external-information links are prohibited by §436.6(d). Keep the educational site separate.
16 CFR §436.6: FDD preparation and recordsKeep this reading in your learning library.
Progress privacy
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This is a reading aid, not evidence of disclosure delivery, expertise or legal approval.