Prepared Mortgage Payment Cards
Updated July 2005
This Customer Support Ruling
a computer-prepared mortgage payment card is considered a bill or
statement of account that is mailable only at First-Class Mail or
Express Mail rates, rather than as Standard Mail.
The mortgage payment card contains fields that are
completed by computer to show the amount due, the date the amount is
due, and to whom the amount is payable.
Domestic Mail Manual
(DMM) 233.2.2*, provides a bill or statement of account must be
mailed as First-Class Mail or Express Mail according to these
and statements of account assert a debt in a definite amount owed by
the addressee to the sender or a third party. In addition, bills
include a demand for payment; statements of account do not include a
demand for payment. The debt does not have to be due immediately but
may become due at a later time or on demand. The debt asserted need
not be legally collectible or owed.
and statements of account do not need to state the precise amount
due if they contain information that would enable the debtor to
determine that amount.
mortgage payment card asserts a debt in a definite amount owed and
includes a demand for payment. Therefore the computerized mortgage
payment card is considered a bill or statement of account and is
subject to First-Class Mail or Express Mail postage.
*See also DMM 333.2
United States Postal Service
Washington DC 20260-3436