12 CFR Part 1026 — Regulation Z, Truth in Lending (CFPB; consumer credit disclosure)

Current as of 1 July 202457 provisions

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["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability."]
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability. (a) Authority. This part, known as Regulation Z, is issued by the Bureau of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges."]
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges. (a) General rule. Except as provided in paragraph (b) of this section, a card…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.57 Reporting and marketing rules for college student open-end credit."]
§ 1026.57 Reporting and marketing rules for college student open-end credit.
§ 1026.57 Reporting and marketing rules for college student open-end credit. (a) Definitions — (1) College student credit card. The term “college student…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (a) Hybrid prepaid-credit card — (1) In general. (i) Credit offered in connection with a prepaid account is subject to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.8 Identifying transactions on periodic statements."]
§ 1026.8 Identifying transactions on periodic statements.
§ 1026.8 Identifying transactions on periodic statements. The creditor shall identify credit transactions on or with the first periodic statement that reflects…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.23 Right of rescission."]
§ 1026.23 Right of rescission.
§ 1026.23 Right of rescission. (a) Consumer's right to rescind. (1) In a credit transaction in which a security interest is or will be retained or acquired in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.11 Treatment of credit balances; account termination."]
§ 1026.11 Treatment of credit balances; account termination.
§ 1026.11 Treatment of credit balances; account termination. (a) Credit balances. When a credit balance in excess of $1 is created on a credit account (through…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.46 Special disclosure requirements for private education loans."]
§ 1026.46 Special disclosure requirements for private education loans.
§ 1026.46 Special disclosure requirements for private education loans. (a) Coverage. The requirements of this subpart apply to private education loans as…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.56 Requirements for over-the-limit transactions."]
§ 1026.56 Requirements for over-the-limit transactions.
§ 1026.56 Requirements for over-the-limit transactions. (a) Definition. For purposes of this section, the term “over-the-limit transaction” means any extension…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.4 Finance charge."]
§ 1026.4 Finance charge.
§ 1026.4 Finance charge. (a) Definition. The finance charge is the cost of consumer credit as a dollar amount. It includes any charge payable directly or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (a) Definitions. For purposes of this part, the following definitions apply: (1) Act means the Truth in Lending…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart D—Miscellaneous", "§ 1026.28 Effect on state laws."]
§ 1026.28 Effect on state laws.
§ 1026.28 Effect on state laws. (a) Inconsistent disclosure requirements. (1) Except as provided in paragraph (d) of this section, State law requirements that…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.31 General rules."]
§ 1026.31 General rules.
§ 1026.31 General rules. (a) Relation to other subparts in this part. The requirements and limitations of this subpart are in addition to and not in lieu of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart D—Miscellaneous", "§ 1026.26 Use of annual percentage rate in oral disclosures."]
§ 1026.26 Use of annual percentage rate in oral disclosures.
§ 1026.26 Use of annual percentage rate in oral disclosures. (a) Open-end credit. In an oral response to a consumer's inquiry about the cost of open-end…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (a) Actually available terms. If an advertisement for credit states specific credit terms, it shall state only those terms that actually…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.59 Reevaluation of rate increases."]
§ 1026.59 Reevaluation of rate increases.
§ 1026.59 Reevaluation of rate increases. (a) General rule — (1) Evaluation of increased rate. If a card issuer increases an annual percentage rate that…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.52 Limitations on fees."]
§ 1026.52 Limitations on fees.
§ 1026.52 Limitations on fees. (a) Limitations during first year after account opening — (1) General rule. Except as provided in paragraph (a) (2) of this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). For each transaction subject to § 1026.19(e), the creditor shall disclose…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.22 Determination of annual percentage rate."]
§ 1026.22 Determination of annual percentage rate.
§ 1026.22 Determination of annual percentage rate. (a) Accuracy of annual percentage rate. (1) The annual percentage rate is a measure of the cost of credit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.21 Treatment of credit balances."]
§ 1026.21 Treatment of credit balances.
§ 1026.21 Treatment of credit balances. When a credit balance in excess of $1 is created in connection with a transaction (through transmittal of funds to a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (a) Scope. This section applies to any consumer credit transaction that is secured by a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (a) Furnishing statement of billing rights — (1) Annual statement. The creditor shall mail or deliver the billing…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart D—Miscellaneous", "§ 1026.30 Limitation on rates."]
§ 1026.30 Limitation on rates.
§ 1026.30 Limitation on rates. A creditor shall include in any consumer credit contract secured by a dwelling and subject to the Act and this part the maximum…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.48 Limitations on private education loans."]
§ 1026.48 Limitations on private education loans.
§ 1026.48 Limitations on private education loans. (a) Co-branding prohibited. (1) Except as provided in paragraph (b) of this section, a creditor, other than…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.3 Exempt transactions."]
§ 1026.3 Exempt transactions.
§ 1026.3 Exempt transactions. The following transactions are not subject to this part or, if the exemption is limited to specified provisions of this part, are…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.24 Advertising."]
§ 1026.24 Advertising.
§ 1026.24 Advertising. (a) Actually available terms. If an advertisement for credit states specific credit terms, it shall state only those terms that actually…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.53 Allocation of payments."]
§ 1026.53 Allocation of payments.
§ 1026.53 Allocation of payments. (a) General rule. Except as provided in paragraph (b) of this section, when a consumer makes a payment in excess of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (a) Mortgage transactions subject to RESPA — (1)(i) Time of disclosures. In a reverse mortgage…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (a) General rules. The card issuer shall provide the disclosures required under this section…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. The creditor shall furnish the consumer with a periodic statement that discloses the following items, to the extent applicable…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart D—Miscellaneous", "§ 1026.25 Record retention."]
§ 1026.25 Record retention.
§ 1026.25 Record retention. (a) General rule. A creditor shall retain evidence of compliance with this part (other than advertising requirements under §§…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.14 Determination of annual percentage rate."]
§ 1026.14 Determination of annual percentage rate.
§ 1026.14 Determination of annual percentage rate. (a) General rule. The annual percentage rate is a measure of the cost of credit, expressed as a yearly rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.17 General disclosure requirements."]
§ 1026.17 General disclosure requirements.
§ 1026.17 General disclosure requirements. (a) Form of disclosures. Except for the disclosures required by § 1026.19(e), (f), and (g): (1) The creditor shall…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. For each transaction other than a mortgage transaction subject to § 1026.19(e) and (f), the creditor shall disclose the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (a) Coverage. (1) The requirements of this section apply to a high-cost mortgage, which is any consumer credit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (a) Refinancings. A refinancing occurs when an existing obligation that was subject to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). For each transaction subject to § 1026.19(f), the creditor shall…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.33 Requirements for reverse mortgages."]
§ 1026.33 Requirements for reverse mortgages.
§ 1026.33 Requirements for reverse mortgages. (a) Definition. For purposes of this subpart, reverse mortgage transaction means a nonrecourse consumer credit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (a) Definitions. For purposes of this section: (1) “Higher-priced mortgage loan” means a closed-end…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.47 Content of disclosures."]
§ 1026.47 Content of disclosures.
§ 1026.47 Content of disclosures. (a) Application or solicitation disclosures. A creditor shall provide the disclosures required under paragraph (a) of this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.51 Ability to Pay."]
§ 1026.51 Ability to Pay.
§ 1026.51 Ability to Pay. (a) General rule — (1)(i) Consideration of ability to pay. A card issuer must not open a credit card account for a consumer under an…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (a) Scope. This section applies to any consumer credit transaction secured by the consumer's principal dwelling. (b)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart D—Miscellaneous", "§ 1026.27 Language of disclosures."]
§ 1026.27 Language of disclosures.
§ 1026.27 Language of disclosures. Disclosures required by this part may be made in a language other than English, provided that the disclosures are made…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.12 Special credit card provisions."]
§ 1026.12 Special credit card provisions.
§ 1026.12 Special credit card provisions. (a) Issuance of credit cards. Regardless of the purpose for which a credit card is to be used, including business…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (a) Definitions —
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (a) Prohibited acts or practices for high-cost mortgages — (1) Home improvement…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.13 Billing error resolution."]
§ 1026.13 Billing error resolution.
§ 1026.13 Billing error resolution. (a) Definition of billing error. For purposes of this section, the term billing error means: (1) A reflection on or with a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.39 Mortgage transfer disclosures."]
§ 1026.39 Mortgage transfer disclosures.
§ 1026.39 Mortgage transfer disclosures. (a) Scope. The disclosure requirements of this section apply to any covered person except as otherwise provided in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.5 General disclosure requirements."]
§ 1026.5 General disclosure requirements.
§ 1026.5 General disclosure requirements. (a) Form of disclosures — (1) General. (i) The creditor shall make the disclosures required by this subpart clearly…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (a) Rules affecting home-equity plans. The requirements of this paragraph (a) apply only to home-equity plans subject to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.10 Payments."]
§ 1026.10 Payments.
§ 1026.10 Payments. (a) General rule. A creditor shall credit a payment to the consumer's account as of the date of receipt, except when a delay in crediting…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (a) Applicability. The requirements of this section apply to any card issuer that issues credit cards…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart D—Miscellaneous", "§ 1026.29 State exemptions."]
§ 1026.29 State exemptions.
§ 1026.29 State exemptions. (a) General rule. Any state may apply to the Bureau to exempt a class of transactions within the state from the requirements of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.54 Limitations on the imposition of finance charges."]
§ 1026.54 Limitations on the imposition of finance charges.
§ 1026.54 Limitations on the imposition of finance charges. (a) Limitations on imposing finance charges as a result of the loss of a grace period —(1) General…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. The requirements of this section apply to open-end credit plans secured by the consumer's dwelling. For purposes…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.15 Right of rescission."]
§ 1026.15 Right of rescission.
§ 1026.15 Right of rescission. (a) Consumer's right to rescind. (1)(i) Except as provided in paragraph (a) (1)(ii) of this section, in a credit plan in which a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (a) In general — (1) Scope. This section applies to a closed-end consumer credit transaction…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.8 Identifying transactions on periodic statements."]
§ 1026.8 Identifying transactions on periodic statements.
§ 1026.8 Identifying transactions on periodic statements. (1) of this section if an actual copy of the receipt or other credit document is provided with the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (2)(i) is defined as a covered separate credit feature. A prepaid card is a hybrid prepaid-credit card with respect to a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section becomes inaccurate, as defined in § 1026.22, the creditor shall provide…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (2) The total charges imposed by the creditor in connection with the assumption. (3) The…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.4 Finance charge."]
§ 1026.4 Finance charge.
§ 1026.4 Finance charge. (3) Special rule; mortgage broker fees. Fees charged by a mortgage broker (including fees paid by the consumer directly to the broker…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.12 Special credit card provisions."]
§ 1026.12 Special credit card provisions.
§ 1026.12 Special credit card provisions. (2) Conditions of liability. A cardholder shall be liable for unauthorized use of a credit card only if: (i) The…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.52 Limitations on fees."]
§ 1026.52 Limitations on fees.
§ 1026.52 Limitations on fees. (2) of this section, a card issuer may impose a fee for violating the terms or other requirements of a credit card account under…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart D—Miscellaneous", "§ 1026.25 Record retention."]
§ 1026.25 Record retention.
§ 1026.25 Record retention. (4)(i) to the owner or servicer of the mortgage as a part of the transfer of the loan file. Such owner or servicer shall retain…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.57 Reporting and marketing rules for college student open-end credit."]
§ 1026.57 Reporting and marketing rules for college student open-end credit.
§ 1026.57 Reporting and marketing rules for college student open-end credit. (5) College credit card agreement. The term “college credit card agreement” as…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.33 Requirements for reverse mortgages."]
§ 1026.33 Requirements for reverse mortgages.
§ 1026.33 Requirements for reverse mortgages. (4) Explanation of table. An explanation of the table of total annual loan cost rates as provided in the model…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.56 Requirements for over-the-limit transactions."]
§ 1026.56 Requirements for over-the-limit transactions.
§ 1026.56 Requirements for over-the-limit transactions. (1)(iii) of this section, a card issuer may pay any over-the-limit transaction on a consumer's account…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (4), the term means all calendar days except Sundays and the legal public holidays specified in 5 U.S.C…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.59 Reevaluation of rate increases."]
§ 1026.59 Reevaluation of rate increases.
§ 1026.59 Reevaluation of rate increases. (1) of this section has been applied; and (B) New transactions that occur after the effective date of the rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (2) If an advertisement for credit to finance the purchase of goods or services specified in the advertisement states a periodic payment…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.53 Allocation of payments."]
§ 1026.53 Allocation of payments.
§ 1026.53 Allocation of payments. (1) Accounts with balances subject to deferred interest or similar program. When a balance on a credit card account under an…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability."]
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability. does not generally govern charges for consumer credit, except that several…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (1) Coercion. In connection with a covered transaction, no covered person shall or shall attempt to directly or indirectly…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.51 Ability to Pay."]
§ 1026.51 Ability to Pay.
§ 1026.51 Ability to Pay. (1) of this section, a card issuer must use a reasonable method for estimating the minimum periodic payments the consumer would be…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (1) Finance charge. The circumstances under which a finance charge will be imposed and an explanation of how it will be…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (3) Refinancings within one-year period. Within one year of having extended a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.24 Advertising."]
§ 1026.24 Advertising.
§ 1026.24 Advertising. (1) of this section shall state the following terms, as applicable (an example of one or more typical extensions of credit with a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (6) of this section, the creditor shall disclose that the loan is for a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.17 General disclosure requirements."]
§ 1026.17 General disclosure requirements.
§ 1026.17 General disclosure requirements. (2) Except for private education loan disclosures made in compliance with § 1026.47, the terms “finance charge” and…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.31 General rules."]
§ 1026.31 General rules.
§ 1026.31 General rules. (1)(i) of this section by telephone if the consumer initiates the change and if, prior to or at consummation or account opening: (A)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (3) For purposes of paragraphs (c) through (f) of this section: (i) A reverse mortgage…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.14 Determination of annual percentage rate."]
§ 1026.14 Determination of annual percentage rate.
§ 1026.14 Determination of annual percentage rate. (1) Solely periodic rates imposed. If the finance charge is determined solely by applying one or more…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.46 Special disclosure requirements for private education loans."]
§ 1026.46 Special disclosure requirements for private education loans.
§ 1026.46 Special disclosure requirements for private education loans. (3) Postsecondary educational expenses means any of the expenses that are listed as part…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.11 Treatment of credit balances; account termination."]
§ 1026.11 Treatment of credit balances; account termination.
§ 1026.11 Treatment of credit balances; account termination. (1) General rule. (i) Reasonable policies and procedures required. For credit card accounts under…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. (3) For an application that is accessed by the consumer in electronic form, the disclosures required under this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (3) of this section, after 30 days, if the creditor adds a credit feature or furnishes a credit access device…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.10 Payments."]
§ 1026.10 Payments.
§ 1026.10 Payments. (3) In-person payments on credit card accounts —(i) General. Notwithstanding § 1026.10(b), payments on a credit card account under an…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (1) Loan originator. (i) For purposes of this section, the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.3 Exempt transactions."]
§ 1026.3 Exempt transactions.
§ 1026.3 Exempt transactions. 2011. An open-end account that is exempt on July 20, 2011 based on an express written commitment to extend credit in excess of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (6), labeled “Property.” (vii) Sale price. (A) In credit transactions…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (2) of this section, will exceed: (A) 5 percent of the total loan amount for a transaction with a loan amount…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (2) Periodic statements. A servicer of a transaction subject to this section shall provide the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.39 Mortgage transfer disclosures."]
§ 1026.39 Mortgage transfer disclosures.
§ 1026.39 Mortgage transfer disclosures. (1) Form of disclosures. The disclosures required by this section shall be provided clearly and conspicuously in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (6) Open account. For purposes of this section, an account is an “open account” or “open credit card…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (3) Good faith estimates of settlement costs provided for transactions subject to the Real Estate Settlement Procedures Act…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.23 Right of rescission."]
§ 1026.23 Right of rescission.
§ 1026.23 Right of rescission. (3)(i) The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges."]
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges. (1)(i) of this section are provided pursuant to § 1026.9(c), the card issuer…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.22 Determination of annual percentage rate."]
§ 1026.22 Determination of annual percentage rate.
§ 1026.22 Determination of annual percentage rate. (3), an irregular transaction is one that includes one or more of the following features: multiple advances…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.5 General disclosure requirements."]
§ 1026.5 General disclosure requirements.
§ 1026.5 General disclosure requirements. (2) Terminology. (i) Terminology used in providing the disclosures required by this subpart shall be consistent. (ii)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (1) of this section, any introductory rate required to be disclosed pursuant to paragraph (b)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.47 Content of disclosures."]
§ 1026.47 Content of disclosures.
§ 1026.47 Content of disclosures. (3) Repayment terms. (i) The term of the loan, which is the period during which regularly scheduled payments of principal and…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (4)(ii) of this section, each periodic rate that may be used to compute the finance charge, the range of balances to which it is…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart D—Miscellaneous", "§ 1026.28 Effect on state laws."]
§ 1026.28 Effect on state laws.
§ 1026.28 Effect on state laws. (2)(i) State law requirements are inconsistent with the requirements contained in sections 161 (Correction of billing errors)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.48 Limitations on private education loans."]
§ 1026.48 Limitations on private education loans.
§ 1026.48 Limitations on private education loans. (1) The consumer has the right to accept the terms of a private education loan at any time within 30 calendar…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.15 Right of rescission."]
§ 1026.15 Right of rescission.
§ 1026.15 Right of rescission. (1) of this section that gave rise to the right of rescission, delivery of the notice required by paragraph (b) of this section…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (4) “Insured depository institution” has the meaning given in Section 3 of the Federal Deposit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.13 Billing error resolution."]
§ 1026.13 Billing error resolution.
§ 1026.13 Billing error resolution. (9), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.10 Payments."]
§ 1026.10 Payments.
§ 1026.10 Payments. (4)(ii) of this section, if a creditor specifies, on or with the periodic statement, requirements for the consumer to follow in making…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (1) Coverage —(i) In general. For purposes of this paragraph (c), an adjustable-rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges."]
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges. (2)(xii) after complying with the applicable notice requirements in §…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability."]
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability. (2) If a credit card is involved, however, certain provisions apply even if…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.33 Requirements for reverse mortgages."]
§ 1026.33 Requirements for reverse mortgages.
§ 1026.33 Requirements for reverse mortgages. (6)(i)(B) of this section, multiplied by a factor of 1.4 and rounded to the nearest full year. (ii) At the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.22 Determination of annual percentage rate."]
§ 1026.22 Determination of annual percentage rate.
§ 1026.22 Determination of annual percentage rate. (4) of this section; (ii) If the disclosed finance charge is overstated, and the disclosed annual percentage…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.39 Mortgage transfer disclosures."]
§ 1026.39 Mortgage transfer disclosures.
§ 1026.39 Mortgage transfer disclosures. (1) The covered person sells, or otherwise transfers or assigns legal title to the mortgage loan on or before the 30th…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (3)-1), provided that: ( 1 ) During the calendar year preceding receipt of the consumer's…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2)(i) applies to the checks: ( 1 ) The promotional rate and the time period during which the promotional rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.48 Limitations on private education loans."]
§ 1026.48 Limitations on private education loans.
§ 1026.48 Limitations on private education loans. (2) of this section, nothing in this section prevents the creditor from: (A) Withdrawing an offer before…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart D—Miscellaneous", "§ 1026.28 Effect on state laws."]
§ 1026.28 Effect on state laws.
§ 1026.28 Effect on state laws. and the implementing provisions of this part and are preempted if the creditor cannot comply with state law without violating…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (1)(i) of this section, a creditor shall determine the annual percentage rate for a closed- or open-end credit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.14 Determination of annual percentage rate."]
§ 1026.14 Determination of annual percentage rate.
§ 1026.14 Determination of annual percentage rate. (3) Transaction charge imposed. If the finance charge imposed during the billing cycle is or includes a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (1) Amount due. Grouped together in close proximity to each other and located at the top of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.57 Reporting and marketing rules for college student open-end credit."]
§ 1026.57 Reporting and marketing rules for college student open-end credit.
§ 1026.57 Reporting and marketing rules for college student open-end credit. (2) Contents of report. The annual report to the Bureau must include the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.52 Limitations on fees."]
§ 1026.52 Limitations on fees.
§ 1026.52 Limitations on fees. (1)(ii) of this section. (i) Fees based on costs. A card issuer may impose a fee for violating the terms or other requirements…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.23 Right of rescission."]
§ 1026.23 Right of rescission.
§ 1026.23 Right of rescission. (1) Notice of right to rescind. In a transaction subject to rescission, a creditor shall deliver two copies of the notice of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.47 Content of disclosures."]
§ 1026.47 Content of disclosures.
§ 1026.47 Content of disclosures. (6) Alternatives to private education loans. (i) A statement that the consumer may qualify for Federal student financial…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. (2) Conditions for disclosed terms. (i) A statement of the time by which the consumer must submit an application…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (1) Except as provided in paragraph (f) (3) of this section, if the annual percentage rate may increase after consummation in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (11) Consumer means a cardholder or natural person to whom consumer credit is offered or extended. However, for…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.17 General disclosure requirements."]
§ 1026.17 General disclosure requirements.
§ 1026.17 General disclosure requirements. (2)(i) If any information necessary for an accurate disclosure is unknown to the creditor, the creditor shall make…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (4)(i) through (iv) apply to open-end high-cost mortgages, but do not apply to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (2) of this section. (b) Certain variable-rate transactions. Except as provided in paragraph (d) of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.56 Requirements for over-the-limit transactions."]
§ 1026.56 Requirements for over-the-limit transactions.
§ 1026.56 Requirements for over-the-limit transactions. (1) Initial notice. The notice required by paragraph (b) (1)(i) of this section shall include all…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (6) of this section, at their option. (i) Finance charges. The amount of any finance charge debited or added to the account during…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.8 Identifying transactions on periodic statements."]
§ 1026.8 Identifying transactions on periodic statements.
§ 1026.8 Identifying transactions on periodic statements. (2) As an alternative to the brief identification for sale or nonsale credit, the creditor may…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.5 General disclosure requirements."]
§ 1026.5 General disclosure requirements.
§ 1026.5 General disclosure requirements. (3)(iii) of this section, the term fixed, or a similar term, may not be used to describe such rate unless the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. a creditor, or advise a consumer on credit terms (including…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (1) through (4), other than § 1026.37(c) (4)(vi). In disclosing…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (2)(i) if it is likely to significantly affect the value assigned to the consumer's principal dwelling. A bona fide error…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.59 Reevaluation of rate increases."]
§ 1026.59 Reevaluation of rate increases.
§ 1026.59 Reevaluation of rate increases. (1)(ii) when conducting the first two reviews required under paragraph (a) of this section, unless the rate increase…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (2) or the payment terms of the plan are set forth, affirmatively or negatively, in an advertisement for a home-equity plan subject to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (1) of this section need not be included in escrow accounts for loans secured by dwellings in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.4 Finance charge."]
§ 1026.4 Finance charge.
§ 1026.4 Finance charge. (8) Premiums or other charges for insurance against loss of or damage to property, or against liability arising out of the ownership…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.12 Special credit card provisions."]
§ 1026.12 Special credit card provisions.
§ 1026.12 Special credit card provisions. (5) Business use of credit cards. If 10 or more credit cards are issued by one card issuer for use by the employees…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (3) Fees based on a percentage. If the amount of any fee required to be disclosed under this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.13 Billing error resolution."]
§ 1026.13 Billing error resolution.
§ 1026.13 Billing error resolution. (1) Consumer's right to withhold disputed amount; collection action prohibited. The consumer need not pay (and the creditor…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.51 Ability to Pay."]
§ 1026.51 Ability to Pay.
§ 1026.51 Ability to Pay. (1) Applications from young consumers. A card issuer may not open a credit card account under an open-end (not home-secured) consumer…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.24 Advertising."]
§ 1026.24 Advertising.
§ 1026.24 Advertising. (1) Scope. The requirements of this paragraph apply to any advertisement for credit secured by a dwelling, other than television or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.31 General rules."]
§ 1026.31 General rules.
§ 1026.31 General rules. (2) Estimates. If any information necessary for an accurate disclosure is unknown to the creditor, the creditor shall make the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.46 Special disclosure requirements for private education loans."]
§ 1026.46 Special disclosure requirements for private education loans.
§ 1026.46 Special disclosure requirements for private education loans. (1) Clear and conspicuous. The disclosures required by this subpart shall be made…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (10) Product. A description of the loan product, labeled “Product.” (i) The…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (2)(i) of this section is defined as a non-covered separate credit feature. A prepaid card is not a hybrid…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (1) Quarterly submissions. A card issuer must make quarterly submissions to the Bureau, in the form and…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.11 Treatment of credit balances; account termination."]
§ 1026.11 Treatment of credit balances; account termination.
§ 1026.11 Treatment of credit balances; account termination. (2) of this section is received within 30 days after disclosure.
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (3) Home-equity plan information. The following disclosures described in § 1026.40(d), as applicable: (i) A statement of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.15 Right of rescission."]
§ 1026.15 Right of rescission.
§ 1026.15 Right of rescission. (4) When more than one consumer has the right to rescind, the exercise of the right by one consumer shall be effective as to all…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.3 Exempt transactions."]
§ 1026.3 Exempt transactions.
§ 1026.3 Exempt transactions. U.S.C. 403(b); 26 U.S.C. 457(b)), provided that the extension of credit is comprised of fully vested funds from such…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (1) In connection with a closed-end credit transaction, points and fees means the following fees or charges…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (10)(iii) of this section, as applicable: (A) Negative amortization. If the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.17 General disclosure requirements."]
§ 1026.17 General disclosure requirements.
§ 1026.17 General disclosure requirements. (4) In making calculations and disclosures, the creditor may disregard any irregularity in the first period that…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (5) Statement of billing rights. A statement that outlines the consumer's rights and the creditor's responsibilities…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (3) Balloon payment. If an advertisement contains a statement of any minimum periodic payment and a balloon payment may result if only…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (15)(i) Credit card means any card, plate, or other single credit device that may be used from time to time to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.47 Content of disclosures."]
§ 1026.47 Content of disclosures.
§ 1026.47 Content of disclosures. (1) Interest rate. (i) The interest rate applicable to the loan. (ii) Whether the interest rate is fixed or variable. (iii)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.57 Reporting and marketing rules for college student open-end credit."]
§ 1026.57 Reporting and marketing rules for college student open-end credit.
§ 1026.57 Reporting and marketing rules for college student open-end credit. (3), a card issuer must submit its annual report for each calendar year to the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2)(iv); and (D) Whether or not a grace period is given within which any credit extended by use of the checks may…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.22 Determination of annual percentage rate."]
§ 1026.22 Determination of annual percentage rate.
§ 1026.22 Determination of annual percentage rate. (2) Creditors may use any other computation tool in determining the annual percentage rate if the rate so…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.5 General disclosure requirements."]
§ 1026.5 General disclosure requirements.
§ 1026.5 General disclosure requirements. (1) Account-opening disclosures —(i) General rule. The creditor shall furnish account-opening disclosures required by…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (4) Exception for credit extended through a negative balance. A prepaid card is not a hybrid prepaid-credit card with…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.3 Exempt transactions."]
§ 1026.3 Exempt transactions.
§ 1026.3 Exempt transactions. (5)(i) The costs payable by the consumer in connection with the transaction at consummation are limited to: (A) Recording fees…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.24 Advertising."]
§ 1026.24 Advertising.
§ 1026.24 Advertising. (3) Disclosure of payments —(i) In general. In addition to the requirements of paragraph (c) of this section, if an advertisement for…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges."]
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges. (2)(xii) due to the card issuer not receiving the consumer's required minimum…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (10) Closing date of billing cycle; new balance. The closing date of the billing cycle and the account balance outstanding on that…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (3)(v)(D)( 1 ) of this section: (A) The transaction is secured by a subordinate lien; (B)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.15 Right of rescission."]
§ 1026.15 Right of rescission.
§ 1026.15 Right of rescission. (5) The date the rescission period expires. (c) Delay of creditor's performance. Unless a consumer waives the right to rescind…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.48 Limitations on private education loans."]
§ 1026.48 Limitations on private education loans.
§ 1026.48 Limitations on private education loans. (3) of this section, nothing in this section prevents the creditor, at its option, from changing the rate or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (2) of this section, the disclosures required by this paragraph (c) shall be provided to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (2) A loan program disclosure for each variable-rate program in which the consumer expresses an…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. (5) Payment terms. The payment terms of the plan. If different payment terms may apply to the draw and any…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.4 Finance charge."]
§ 1026.4 Finance charge.
§ 1026.4 Finance charge. (3) Charges imposed by a financial institution for paying items that overdraw an account, unless the payment of such items and the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (4) a creditor must determine the consumer's repayment ability in connection…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (2) In a transaction in which a series of payments varies because a finance charge is applied to the unpaid principal…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.13 Billing error resolution."]
§ 1026.13 Billing error resolution.
§ 1026.13 Billing error resolution. (4) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (3) Compensation. The term “compensation” includes salaries…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability."]
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability. (2) Subpart B contains the rules for open-end credit. It requires that…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.51 Ability to Pay."]
§ 1026.51 Ability to Pay.
§ 1026.51 Ability to Pay. (1)(i) of this section; or (B) A cosigner, guarantor, or joint applicant who is at least 21 years old agrees in writing to assume…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.14 Determination of annual percentage rate."]
§ 1026.14 Determination of annual percentage rate.
§ 1026.14 Determination of annual percentage rate. (4) If the finance charge imposed during the billing cycle is or includes a minimum, fixed, or other charge…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (3) Past payment breakdown. The following items, grouped together in close proximity to each…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.31 General rules."]
§ 1026.31 General rules.
§ 1026.31 General rules. (3) Per-diem interest. For a transaction in which a portion of the interest is determined on a per-diem basis and collected at…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.59 Reevaluation of rate increases."]
§ 1026.59 Reevaluation of rate increases.
§ 1026.59 Reevaluation of rate increases. (1) If the issuer reduces the annual percentage rate applicable to a credit card account under an open-end (not…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.52 Limitations on fees."]
§ 1026.52 Limitations on fees.
§ 1026.52 Limitations on fees. (1)(ii)(A) of this section for a violation of the same type that occurred during the same billing cycle or one of the next six…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (3) Amended agreements. If a credit card agreement has been submitted to the Bureau, the agreement has…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (5) Exceptions. This section does not apply to: (i) Home-equity plans accessible by a credit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (1), secured by first liens, that were sold, assigned, or otherwise transferred to another person, or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.12 Special credit card provisions."]
§ 1026.12 Special credit card provisions.
§ 1026.12 Special credit card provisions. (2) of this section apply only if: (A) The cardholder has made a good faith attempt to resolve the dispute with the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (9)(ii) of this section, together with: (A) A statement that the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.10 Payments."]
§ 1026.10 Payments.
§ 1026.10 Payments. (2) Payments accepted or received other than by mail. If a creditor accepts or receives payments made on the due date by a method other…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.23 Right of rescission."]
§ 1026.23 Right of rescission.
§ 1026.23 Right of rescission. (2) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.56 Requirements for over-the-limit transactions."]
§ 1026.56 Requirements for over-the-limit transactions.
§ 1026.56 Requirements for over-the-limit transactions. (3) Safe harbor. Use of Model Forms G-25(A) or G-25(B) of appendix G to this part, or substantially…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.46 Special disclosure requirements for private education loans."]
§ 1026.46 Special disclosure requirements for private education loans.
§ 1026.46 Special disclosure requirements for private education loans. (3) Electronic disclosures. The disclosures required under §§ 1026.47(b) and (c) may be…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.39 Mortgage transfer disclosures."]
§ 1026.39 Mortgage transfer disclosures.
§ 1026.39 Mortgage transfer disclosures. (1) The name, address, and telephone number of the covered person. (i) If a single disclosure is provided on behalf of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (1)(i) In general. No person preparing a valuation or performing valuation management functions for a covered transaction may…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.15 Right of rescission."]
§ 1026.15 Right of rescission.
§ 1026.15 Right of rescission. (2) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.23 Right of rescission."]
§ 1026.23 Right of rescission.
§ 1026.23 Right of rescission. (3) of this section may be modified by court order. (e) Consumer's waiver of right to rescind. The consumer may modify or waive…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.47 Content of disclosures."]
§ 1026.47 Content of disclosures.
§ 1026.47 Content of disclosures. (3) Repayment terms. (i) The principal amount of the loan for which the consumer has been approved. (ii) The term of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.17 General disclosure requirements."]
§ 1026.17 General disclosure requirements.
§ 1026.17 General disclosure requirements. (6)(i) A series of advances under an agreement to extend credit up to a certain amount may be considered as one…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (5) De minimis exception. (i) A card issuer is not required to submit any credit card agreements to the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (6) Contact information. A toll-free telephone number and, if applicable, an electronic mailing…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (4)(ii)(A) and (B) of this section are satisfied. (A) The prepaid account issuer has an established policy and practice…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (5)(i) of this section, and whose compensation is not based on the closing of the transaction to which the valuation relates…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.52 Limitations on fees."]
§ 1026.52 Limitations on fees.
§ 1026.52 Limitations on fees. (2)(i) of this section, there is no dollar amount associated with the following violations: ( 1 ) Transactions that the card…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.4 Finance charge."]
§ 1026.4 Finance charge.
§ 1026.4 Finance charge. (8) Discounts offered to induce payment for a purchase by cash, check, or other means, as provided in section 167(b) of the Act. (d)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (10)(ii) of this section. (iv) The disclosures required by paragraphs (a)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (1) of this section: (i) The natural person, estate, or trust…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (1)(i)(C), (iii), or (iv) of this section; (E) Up to two bona fide discount points paid by the consumer in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (13), and (14) of this section. (1) Annual percentage rate. Each periodic rate that may be…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. interest-only or payment-option features. (ii) A table containing the following…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. (12)(xi) of this section or a rate that has been in effect under the plan since the date of the most recent rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.46 Special disclosure requirements for private education loans."]
§ 1026.46 Special disclosure requirements for private education loans.
§ 1026.46 Special disclosure requirements for private education loans. (1) Application or solicitation disclosures. (i) The disclosures required by §…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (2) of this section that is not an annualized amount; and other annual percentage rates or fee amounts disclosed in the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.56 Requirements for over-the-limit transactions."]
§ 1026.56 Requirements for over-the-limit transactions.
§ 1026.56 Requirements for over-the-limit transactions. (1) Fees or charges imposed per cycle —(i) General rule. A card issuer may not impose more than one…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (1) Rules affecting home-equity plans —(i) Written notice required. For home-equity plans subject to the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability."]
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability. (6) Subpart F relates to private education loans. It contains rules on…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.31 General rules."]
§ 1026.31 General rules.
§ 1026.31 General rules. under section 1026.23(g) or (h) shall not apply for this purpose. (h) Corrections and unintentional violations. A creditor or assignee…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.39 Mortgage transfer disclosures."]
§ 1026.39 Mortgage transfer disclosures.
§ 1026.39 Mortgage transfer disclosures. (5) Partial payment policy. Under the subheading “Partial Payment”: (i) If periodic payments that are less than the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.12 Special credit card provisions."]
§ 1026.12 Special credit card provisions.
§ 1026.12 Special credit card provisions. (2) Rights of the card issuer. This paragraph (d) does not alter or affect the right of a card issuer acting under…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (16) Credit sale means a sale in which the seller is a creditor. The term includes a bailment or lease (unless…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (1) Loan amount. Labeled “Loan Amount”: (i) Under the subheading “Loan…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.59 Reevaluation of rate increases."]
§ 1026.59 Reevaluation of rate increases.
§ 1026.59 Reevaluation of rate increases. (7)(ii) for selecting a replacement index. If the replacement index is not published on October 18, 2021, the card…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. section: (1) Covered transaction means a consumer credit transaction that is secured by a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (4)(i) of this section, and using the largest required minimum periodic payment…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (4) Tax implications. An advertisement that states that any interest expense incurred under the home-equity plan is or may be tax…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.5 General disclosure requirements."]
§ 1026.5 General disclosure requirements.
§ 1026.5 General disclosure requirements. (2) may be disclosed after account opening but before the consumer agrees to pay or becomes obligated to pay for the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (5) Balance on which finance charge computed. The amount of the balance to which a periodic rate was applied and an explanation of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.48 Limitations on private education loans."]
§ 1026.48 Limitations on private education loans.
§ 1026.48 Limitations on private education loans. (3), unless the consumer accepts the loan offered by the creditor in response to the consumer's request, the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (2) When an obligation includes a finance charge other than the finance charge described in paragraph (k)
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges."]
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges. (2)(xii) due to the consumer's completion of a workout or temporary hardship…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (2)(iii)(A) of this section: (A) An area is “rural” during a calendar year if it is: ( 1 ) A county…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.24 Advertising."]
§ 1026.24 Advertising.
§ 1026.24 Advertising. (3) of this section do not apply to an envelope in which an application or solicitation is mailed, or to a banner advertisement or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. payment for a $10,000 loan originated at the initial interest rate (index value plus margin…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.13 Billing error resolution."]
§ 1026.13 Billing error resolution.
§ 1026.13 Billing error resolution. (3) If a different billing error occurred, correct the billing error and credit the consumer's account with any disputed…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.12 Special credit card provisions."]
§ 1026.12 Special credit card provisions.
§ 1026.12 Special credit card provisions. (1) When a creditor other than the card issuer accepts the return of property or forgives a debt for services that is…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (2) of this section, substantially similar to Sample G-18(A) in appendix G to this part. (ii) Interest. Finance charges…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (6) Private label credit card exception. (i) A card issuer is not required to submit to the Bureau a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.56 Requirements for over-the-limit transactions."]
§ 1026.56 Requirements for over-the-limit transactions.
§ 1026.56 Requirements for over-the-limit transactions. (4) Over-the-limit fees attributed to fees or interest. A card issuer may not impose an over-the-limit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1) Provision of disclosures —(i) Creditor. In a closed-end consumer credit transaction secured by…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. formula, such as the addition of a margin or the application of any previously foregone…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (5) Pre-loan counseling —(i) Certification of counseling required. A creditor…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (2)(xi) of this section that vary by state and that provide the disclosures required by paragraph (b) of this section in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges."]
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges. (7) Index replacement and margin change exception. A card issuer may increase…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.48 Limitations on private education loans."]
§ 1026.48 Limitations on private education loans.
§ 1026.48 Limitations on private education loans. (5), for each type of private education loan that the lender plans to offer to consumers for students…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. (11) Tax implications. A statement that the consumer should consult a tax advisor regarding the deductibility of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. not include fees or charges to open, issue, or hold the prepaid account where the amount of the fee or charge imposed on…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (1) of this section, a statement indicating whether or not the consumer is entitled to a rebate of any finance charge if the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability."]
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.
§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability. (8) Several appendices contain information such as the procedures for…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (2)(ii), the card issuer must disclose in the table the introductory rate, the time period…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (4) by treating the maximum interest rate that may apply during that five-year period as…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.47 Content of disclosures."]
§ 1026.47 Content of disclosures.
§ 1026.47 Content of disclosures. (3)(vii)(B) of this section is an estimate and will be higher if the applicable interest rate increases. (viii) The maximum…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.5 General disclosure requirements."]
§ 1026.5 General disclosure requirements.
§ 1026.5 General disclosure requirements. (1), before providing account-opening disclosures if, after receiving the disclosures, the consumer may reject the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (2)(ii) of this section is different than the amount disclosed under…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.31 General rules."]
§ 1026.31 General rules.
§ 1026.31 General rules. (2)(i) Within 60 days of the creditor's discovery or receipt of notification of an unintentional violation or bona fide error and…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.59 Reevaluation of rate increases."]
§ 1026.59 Reevaluation of rate increases.
§ 1026.59 Reevaluation of rate increases. (2)(iii), the card issuer is required to conduct reviews described in paragraph (a) of this section only for rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (2)(iv)(B), for that calendar year, ( 2 ) Designated as rural or underserved for that calendar year by…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.13 Billing error resolution."]
§ 1026.13 Billing error resolution.
§ 1026.13 Billing error resolution. (3) of this section) further written notice from the consumer that any portion of the billing error is still in dispute…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.17 General disclosure requirements."]
§ 1026.17 General disclosure requirements.
§ 1026.17 General disclosure requirements. (2) and was labeled an estimate; (2) All changed terms, if the annual percentage rate at the time of consummation…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (6) and the right of rescission set forth in § 1026.15) and subpart C, any card issuer that extends closed-end…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (4) Providers of multiple settlement services. For any covered transaction, a person who prepares a valuation or performs…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (2) of this section apply to closed-end consumer credit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.4 Finance charge."]
§ 1026.4 Finance charge.
§ 1026.4 Finance charge. (2) Property insurance premiums. Premiums for insurance against loss of or damage to property, or against liability arising out of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.24 Advertising."]
§ 1026.24 Advertising.
§ 1026.24 Advertising. (2) The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges. (i)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (2) of this section is locked for a specific period of time, labeled “Rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (3)(vi), the creditor shall mail or deliver written notice of the action to each consumer who will be affected…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.39 Mortgage transfer disclosures."]
§ 1026.39 Mortgage transfer disclosures.
§ 1026.39 Mortgage transfer disclosures. (1) of this chapter, the servicer is not required to provide to the confirmed successor in interest any written…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.23 Right of rescission."]
§ 1026.23 Right of rescission.
§ 1026.23 Right of rescission. (2) of this section: (i) The finance charge and other disclosures affected by the finance charge (such as the amount financed…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (6) of this section: (A) Promotional rate. The term “promotional rate” means, in a variable-rate plan, any annual percentage rate that…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (2), and already has been included in points and fees under paragraph (b) (1)(i) of this section; (B) That…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (8) Delinquency information. If the consumer is more than 45 days delinquent, the following…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.46 Special disclosure requirements for private education loans."]
§ 1026.46 Special disclosure requirements for private education loans.
§ 1026.46 Special disclosure requirements for private education loans. (2) Approval disclosures. The creditor shall provide the disclosures required by §…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (2)(v) of this section, an escrow account need not be established for a transaction made by a creditor…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.5 General disclosure requirements."]
§ 1026.5 General disclosure requirements.
§ 1026.5 General disclosure requirements. (2) Periodic statements —(i) Statement required. The creditor shall mail or deliver a periodic statement as required…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. that the annual percentage rate does not reflect the effect of the required deposit. A required deposit need not include, for…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.4 Finance charge."]
§ 1026.4 Finance charge.
§ 1026.4 Finance charge. (3) Voluntary debt cancellation or debt suspension fees. Charges or premiums paid for debt cancellation coverage for amounts exceeding…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (5) Definitions. For purposes of this paragraph (d), the following definitions apply: (i) Loan production function. The term…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges."]
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges. any rate history, it may be used if the replacement index value in effect on…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (2) Required disclosures for account-opening table for open-end (not home-secured) plans. A creditor shall disclose the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (8) Grace period. The date by which or the time period within which the new balance or any portion of the new balance must be paid…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (7)(iv), the expiration of the period during which interest-only payments are permitted…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (1)(iii) of this section. A periodic payment, as used in this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.13 Billing error resolution."]
§ 1026.13 Billing error resolution.
§ 1026.13 Billing error resolution. (2) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.46 Special disclosure requirements for private education loans."]
§ 1026.46 Special disclosure requirements for private education loans.
§ 1026.46 Special disclosure requirements for private education loans. (2) Estimates. If any information necessary for an accurate disclosure is unknown to the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (5) Definitions. For purposes of this section and other provisions in the regulation that relate to hybrid…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.17 General disclosure requirements."]
§ 1026.17 General disclosure requirements.
§ 1026.17 General disclosure requirements. (5) The terms of repayment. (h) Series of sales—delay in disclosures. Except for mortgage disclosures made in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.59 Reevaluation of rate increases."]
§ 1026.59 Reevaluation of rate increases.
§ 1026.59 Reevaluation of rate increases. (3) Transition from LIBOR. The requirements of this section do not apply to increases in an annual percentage rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. or radio advertisements, in a clear and conspicuous manner with equal prominence and in close proximity to each listing of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.47 Content of disclosures."]
§ 1026.47 Content of disclosures.
§ 1026.47 Content of disclosures. (1) has expired. The statement must include the specific date on which the acceptance period expires, based on the date upon…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (1)(iv)(B) and (C) of this section, if a rate may increase as a penalty for one or more events…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (3) Coupon books. The requirements of paragraph (a) of this section do not apply to fixed-rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (7) Product testing exception. (i) A card issuer is not required to submit to the Bureau a credit card…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. (12) Disclosures for variable-rate plans. For a plan in which the annual percentage rate is variable, the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (3) Closing costs paid before closing. Labeled “Closing Costs Paid…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (6)(i) or (ii) of this section, as applicable, incurred by the consumer if the consumer refinances the existing…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (5)(i) must include: (A) The name(s) of the consumer(s) who obtained counseling…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2) of this section. (B) Changes agreed to by the consumer. A notice of change in terms is required, but it may be…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.24 Advertising."]
§ 1026.24 Advertising.
§ 1026.24 Advertising. (1) Misleading advertising of “fixed” rates and payments. Using the word “fixed” to refer to rates, payments, or the credit transaction…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (2) in appendix H to this part; and (ii) The disclosures required by paragraph (c)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (20) Open-end credit means consumer credit extended by a creditor under a plan in which: (i) The creditor…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (3) Principal and interest payment. The initial periodic payment amount…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.23 Right of rescission."]
§ 1026.23 Right of rescission.
§ 1026.23 Right of rescission. (2) One percent tolerance. In a refinancing of a residential mortgage transaction with a new creditor (other than a transaction…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.12 Special credit card provisions."]
§ 1026.12 Special credit card provisions.
§ 1026.12 Special credit card provisions. (2) Require any person who honors the card issuer's credit card to open or maintain any account or obtain any other…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section not later than the seventh business day before consummation of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (1) Requirement to provide customary and reasonable compensation to fee appraisers. In any covered transaction, the creditor…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (25) Security interest means an interest in property that secures performance of a consumer credit obligation…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (2) No pyramiding of late fees. In connection with a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (5) prior to paying the fee of a counselor or counseling organization. (vi)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (2)(A)), provided that the premium or charge is required to be refundable on a pro rata basis and the refund is…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (3) of this section, a statement of whether the amount may increase after…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (13) of this section, for a credit card account under an open-end (not home-secured) consumer credit plan, a card issuer must…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges."]
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges. (1) Definition of protected balance. For purposes of this paragraph, “protected…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2)(vi) of this section, if a creditor increases any component of a charge, or introduces a new charge, required…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (2)(i) of this section. Where the rate is not tied to an index or formula, the creditor must disclose the rate that will…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. of the earliest date or time the maximum rate may be imposed. (xi) An historical example, based on a $10,000…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (1)(ii) of this section, as applicable, and listing a toll-free telephone number, or any telephone number that allows a consumer to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (5)(iii)(B) or (C) of this section are met. (B) Arrangement by agreement. A person that can extend credit through a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section. (C) Written list of providers. If the consumer is permitted to shop for a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (4) Small servicers —(i) Exemption. A creditor, assignee, or servicer is exempt from the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (2) Content. If the new interest rate (or the new payment calculated from the new…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.4 Finance charge."]
§ 1026.4 Finance charge.
§ 1026.4 Finance charge. (4) Telephone purchases. If a consumer purchases credit insurance or debt cancellation or debt suspension coverage for an open-end…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (2) Interest rates —(i) Amortizing loans. (A) For a fixed-rate mortgage, the interest rate at consummation. (B) For an…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.23 Right of rescission."]
§ 1026.23 Right of rescission.
§ 1026.23 Right of rescission. (2) Tolerance for disclosures. After the initiation of foreclosure on the consumer's principal dwelling that secures the credit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart F—Special Rules for Private Education Loans", "§ 1026.47 Content of disclosures."]
§ 1026.47 Content of disclosures.
§ 1026.47 Content of disclosures. (4) Cancellation right. A statement that: (i) The consumer has the right to cancel the loan, without penalty, at any time…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.17 General disclosure requirements."]
§ 1026.17 General disclosure requirements.
§ 1026.17 General disclosure requirements. (2) The creditor retains no security interest in any property after the creditor has received payments equal to the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.5 General disclosure requirements."]
§ 1026.5 General disclosure requirements.
§ 1026.5 General disclosure requirements. (11)(i)(A); and ( 2 ) The card issuer does not treat as late for any purpose a required minimum periodic payment…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (5)(vii)(B) of this section is a negative number; (iii) Disclosed more…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (8) Form and content of agreements submitted to the Bureau —(i) Form and content generally. (A) Each…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (3)(i) of this section, a creditor or servicer shall not cancel an escrow account pursuant to a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.24 Advertising."]
§ 1026.24 Advertising.
§ 1026.24 Advertising. fixed and complies with paragraph (i) (1)(ii) of this section, if applicable, or, if it refers to the variable-rate transactions, is…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (2)(ii), in the table or in any written or electronic promotional materials accompanying…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (2) Basis for determination. Except as provided otherwise in paragraphs (d), (e), and (f)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.5 General disclosure requirements."]
§ 1026.5 General disclosure requirements.
§ 1026.5 General disclosure requirements. (3) Credit and charge card application and solicitation disclosures. The card issuer shall furnish the disclosures…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (5)(iii)(C)( 1 ) of this section, or at any time afterwards, the prepaid card from time to time can draw, transfer, or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (12)(v) of this section, for a credit card account under an open-end (not home-secured) consumer credit plan, a card issuer must…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (2)(i)(F) of this section, the creditor is not required to, but may disclose in the table the rate that will apply after…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges."]
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges. (2) The balance is transferred from a credit card account under an open-end…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (1) Definitions. For purposes of this section: (i) Certified or licensed appraiser means a person who…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (8) Late fees —(i) General. Any late payment charge imposed in connection with a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.24 Advertising."]
§ 1026.24 Advertising.
§ 1026.24 Advertising. (4) Misleading use of the current lender's name. Using the name of the consumer's current lender in an advertisement that is not sent by…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (4)(ii) of this section, but only to the extent that the sum is…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2)(iv)(B), a statement indicating the consumer has the right to opt out of these changes, if applicable, and a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (8) of this section. (iii) Increase in periodic payment. The scheduled…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (1)(iv) of this section, the card issuer at its option may disclose the highest rate that…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (2)(iv)(A) of this section within fifteen business days prior to the date of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (7). The addendum may, but is not required to, contain any other information listed in § 1026.6(b)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (3) to provide a payoff statement. (d) Prohibited payments to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (2)(ii) of this section, a creditor may verify a consumer's employment status orally if the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (2) applicable to an open-end (not home-secured) plan, or to one or more balances or transactions on an open-end (not home-secured)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (4)(ii)(C) of this section, the servicer is evaluated based on the mortgage loans serviced by the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section. (ii) Written information provided to consumer. If a creditor or other person…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. (4) of this section) unless: (i) There is fraud or material misrepresentation by the consumer in connection with…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (3)(i)(B) of this section, the interest rate in effect at the time the first such payment increase is scheduled to occur and…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (1) of this section if: (i) The creditor or its agents compensate the fee appraiser in an amount that is reasonably related…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (2), to a loan originator that is an employee of the mortgage broker; (C) That compensation is paid by a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (27)(i) Successor in interest means a person to whom an ownership interest in a dwelling securing a closed-end…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (3) Fixed finance charge; minimum interest charge. Any fixed finance charge and a brief…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (1) of this section, in a format substantially similar to Model Clause H-4(I) in appendix H to this part: (A) The interest…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (1) of this section if the creditor or its agents determine the amount of compensation paid to the fee appraiser by relying…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (5)(iii)(A) through (C) of this section with regard to such credit card account if all of the following conditions are…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. (3) Change any term, except that a creditor may: (i) Provide in the initial agreement that it may prohibit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. agency means a “State appraiser certifying and licensing agency” recognized in accordance with section…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (12)(i)(F)( 2 ) of this section, the following disclosures: ( i ) The estimated monthly payment for repayment in 36 months, as…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (5) Payment calculation —(i) General rule. Except as provided in paragraph (c) (5)(ii) of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2)(iv)(A) of this section, if a card issuer makes a significant change in account terms on a credit card account…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (2)(ii), creditors must briefly disclose directly beneath the table the circumstances under which the introductory rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. including any margin and an explanation that the margin is the addition of a certain…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (1) only, a “term of a transaction” is any right or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (3)(ii) through (iv) of this section. (ii) Limited increases permitted for certain charges. An…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. related fees) until the default is cured. (9) Payoff statements —(i) Fee…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (6)(i) or (ii) of this section, as applicable, incurred by the consumer if the consumer refinances an existing…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (4)(ii) or (iii) of this section must also be stated in a prominent location closely proximate to the first listing of the promotional…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (1)(vi)(A) and that are provided by persons other than the creditor or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (5)(ii) of this section, a servicer is exempt from the requirements of this section with regard…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (6)(ii) of this section shall be disclosed as the year in which the event…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart A—General", "§ 1026.2 Definitions and rules of construction."]
§ 1026.2 Definitions and rules of construction.
§ 1026.2 Definitions and rules of construction. (1) Where appropriate, the singular form of a word includes the plural form and plural includes singular. (2)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. of the agreement or pricing information in the form of change-in-terms notices or riders (other than the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(vi)(C) of this section; and (E) Property taxes and other charges paid for third-party services…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (5) Grace period. The date by which or the period within which any credit extended for…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (9)(i) of this section, are available by a method other than by fax or courier…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (2) Definitions. “Deferred interest” means finance charges, accrued on balances or transactions, that a consumer is not obligated to pay…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (7)(v), using: ( 1 ) The fully indexed rate or any introductory interest rate, whichever is…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. for an exemption pursuant to paragraph (e) (5)(i) of this section with respect to a mortgage loan…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (4) Definitions. For purposes of this paragraph (f), the following definitions apply: (i) Fee appraiser. The term “fee…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (1)(iii), “designated tax-advantaged plan” means any plan…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (2)(i) of this section, the corresponding periodic payment and: (A) If the payment will be applied to only accrued interest…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (5) Subtotal of loan costs. The sum of loan costs, calculated by…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (3) Bona fide discount point —(i) Closed-end credit. The term bona fide discount point means an amount equal to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. of the loan interest, thereby adding to the balance of the loan. If the new payment will…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (5)(iii)(A) through (C) of this section, the prepaid account issuer and the card issuer will be deemed to have satisfied…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. using the LIBOR index value in effect on October 18, 2021, and the margin that applied to the variable rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (12)(i)(F)( 1 )( i ) of this section that is calculated for a particular billing cycle is less than the minimum payment required…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (5) of this section; (C) The creditor must automatically terminate mortgage…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (2)(ii); (iii) A transaction secured by a mobile home, boat, or trailer. (iv) A transaction to finance…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (4) The card issuer must update the agreements posted on its Web site pursuant to § 1026.58(d) at least…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (2)(i) of this section in the account-opening table: ( 1 ) The specific annual percentage rate applicable to the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (1)(ii) to reflect changes in the Consumer Price Index, a change in an annual percentage rate applicable to a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (12)(i) of this section: (A) The following statement: “Minimum Payment Warning: Even if you make no more charges using this card…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. consumer specifically agrees to it in writing at that time. (iv) Make a change that will unequivocally benefit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (3)(iv)(A) of this section, affected the consumer's creditworthiness or the value of the security…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (1)(iv) does not, in the aggregate, exceed 10 percent of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (5)(ii) of this section. (iv) Timing of compliance following transition —(A) Triggering events…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (5)(iii)(D)( 2 ) of this section as it applies to the consumer's prepaid account when the consumer does not authorize…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.16 Advertising."]
§ 1026.16 Advertising.
§ 1026.16 Advertising. (4)(ii) of this section must be stated in the advertisement, in language similar to Sample G-24 in appendix G to this part. If the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (5) Affiliate means any company that controls, is controlled by, or is under common control with another…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages."]
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages. (2)(iv) shall not be considered financed by the creditor when they are…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (4)(i) and (ii) of this section, for each interest rate disclosed under paragraph (s) (2)(ii) of this section, the amount of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (6)(i), may be imposed, such as when paying the loan in full or selling or refinancing…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (1)(i)(A) through (D) of this section occurring after the second separate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (2)(i)(C) of this section. (ii) Fees for issuance or availability. (A) Any annual or other periodic fee that may be…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (2) Special rule for issuers without interactive Web sites. An issuer that does not maintain a Web site…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (7) Statement on charge card payments. A statement that charges incurred by use of the charge…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (1)(i)(A) of this section); and (ii) On subsequent lines, in the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (5)(i); and (C) The proceeds from the refinancing are used solely to satisfy the existing obligation…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (2)(vi) of this section. (B) Total monthly income. The term total monthly income means the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.42 Valuation independence."]
§ 1026.42 Valuation independence.
§ 1026.42 Valuation independence. (1) Reporting required. Any covered person that reasonably believes an appraiser has not complied with the Uniform Standards…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (2) of this section, or requires a security deposit for such credit, and the total amount of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (1) of this section, with headings, content, and format substantially similar to Model Clause H-4(G) in appendix H to this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (2) of this section, a creditor shall not extend a higher-priced mortgage loan to a consumer without…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (5)(iii)(D)( 2 ) of this section as it applies to the consumer's credit card account when the consumer does not…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section state clearly and conspicuously that at any time prior to 60 days before…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (3) for services that are required or obtained in the real estate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2), or a description of any security interest being acquired by the creditor), with headings and format…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.40 Requirements for home equity plans."]
§ 1026.40 Requirements for home equity plans.
§ 1026.40 Requirements for home equity plans. (4) For reverse mortgage transactions that are subject to § 1026.33, terminate a plan and demand repayment of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (8). (ii) If the card issuer posts an agreement on its Web site or otherwise provides an agreement to a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (6) Charged-off loans. (i) A servicer is exempt from the requirements of this section for a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (4) in appendix H to this part; (ii) The disclosures required by paragraph (d) (2)(i) of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (1)(i)(A) of this section occurs during the same year as the initial…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. that fact must be disclosed. If the length of the grace period varies, the creditor may disclose the range of days, the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (3) in appendix G to this part, as applicable. (iv) Provision of information about credit counseling services —(A) Required…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (2)(i)(C) of this section, if any loan originator receives…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (5)(i); (B) For which the total points and fees payable in connection with the transaction…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (1) Notices. The following statement: “You are not required to complete this agreement merely because you have…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (2)(B)(ii) of the Act, as long as the loan originator does…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.7 Periodic statement."]
§ 1026.7 Periodic statement.
§ 1026.7 Periodic statement. (11) of this section shall be disclosed on the front of the first page of the periodic statement. The amount of the late payment…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (4)(i)(D) of this section is provided with the account-opening disclosures. In determining which balance computation…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (2)(i)(A) of this section; (ii) The maximum amount payable for mortgage…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.58 Internet posting of credit card agreements."]
§ 1026.58 Internet posting of credit card agreements.
§ 1026.58 Internet posting of credit card agreements. (2) may be provided by the issuer in either electronic or paper form, regardless of the form of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (4)(vii) of this section, a creditor shall not extend a higher-priced mortgage loan to a consumer to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2)(iv)(A)( 1 ) of this section must, at the creditor's option, be disclosed on the front of the first page of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (6)(i) of this section as charged off or charges any additional fees or interest on the account…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (5) of this section. (iii) The creditor receives the consumer's written application for the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (5) of this section, at account opening and does not obtain any additional extensions of credit; ( 2 ) The…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (3) The amount of lender credits as a negative number, labeled “Lender…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (7) Definitions. For purposes of this § 1026.18(s): (i) The term “adjustable-rate mortgage” means a transaction secured by…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (1) General. The card issuer shall disclose the applicable items in paragraph (b) of this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (3). (vi) Prepaid account issuer means a financial institution as defined in Regulation E, 12 CFR 1005.2(i), with…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section is not provided to the consumer in person, the consumer is considered to have…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (2) Content requirements. If an escrow account was established in connection with a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (3) Chapter 12 and chapter 13 consumers. In addition to any other provisions of this paragraph…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (2) of this section only if the loan originator presents the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (2)(ii) of this section, or requires a security deposit for such credit, and the total amount of those required fees…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (5) Payment calculations. For purposes of determining whether the consumer's monthly…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section. To modify or waive the waiting period, the consumer shall give the creditor…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. statement with a telephone number that the consumer can use to request additional…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.61 Hybrid prepaid-credit cards."]
§ 1026.61 Hybrid prepaid-credit cards.
§ 1026.61 Hybrid prepaid-credit cards. (1) With respect to a covered separate credit feature that could be accessible by a hybrid prepaid-credit card at any…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (7)(i) or (ii)); suspension of future credit privileges (except as provided in paragraph (c) (2)(vi) of this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (1)(i) of this section (unless the difference is due to rounding): ( 1…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.18 Content of disclosures."]
§ 1026.18 Content of disclosures.
§ 1026.18 Content of disclosures. (1) Disclosure. For a closed-end transaction secured by real property or a dwelling, other than a transaction that is subject…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (4) Variable-rate. For variable-rate transactions, a statement that the interest rate and monthly payment may…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (3)(i) of this section. (iv) Required analysis in the additional appraisal. One of the two required…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (5), expressed as a monthly amount, even if no escrow account for the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (1)(iv); and (ii) The card issuer discloses in writing within 30 days after the consumer…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (4)(i) through (v) of this section, one of the two appraisals shall include an analysis of the factors…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section becomes inaccurate in the following manner before consummation, the creditor…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (1)(i)(B) of this section, the outstanding principal balance as of the date of the recast…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (1) Costs at closing table. In a separate table, under the heading “Costs…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (1) Disclosure of required credit information. The card issuer may disclose in a prominent…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.20 Disclosure requirements regarding post-consummation events."]
§ 1026.20 Disclosure requirements regarding post-consummation events.
§ 1026.20 Disclosure requirements regarding post-consummation events. (2) of this section. (5) Timing —(i) Cancellation upon consumer's request. If the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (3)(i) of this section. (4) Number of loan options presented…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2)(v)(B)( 1 ) of this section was a variable rate, the rate following any such increase is a variable rate…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. reference to the Web site established by the Bureau and a statement that consumers may obtain on the Web site information…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (4) of this section must include all payments the servicer has received since the last statement…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (1)(i) through (vi) and 1026.43(f) (2), or the conditions set forth in § 1026.43(e) (6). (iii) Open-end credit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (2) Closing costs paid before closing. (i) Under the subheading “Loan…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (1) of this section must be accurate as of the date of printing. A variable annual percentage…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (6), or (f) of this section, that is a higher-priced covered transaction, as defined in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (2)(iv) of this section; (ii) A statement of whether the disclosed…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2)(xii), or the required minimum periodic payment due to the completion of a workout or temporary hardship…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (3)(i) of this section (unless the difference is due to rounding), a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.32 Requirements for high-cost mortgages."]
§ 1026.32 Requirements for high-cost mortgages.
§ 1026.32 Requirements for high-cost mortgages. (8) Acceleration of debt. A demand feature that permits the creditor to accelerate the indebtedness by…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. consumer is more than 45 days delinquent on post-petition payments, a statement that the servicer…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (3) For each of its individual loan originator employees who…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (1), who received a deployment or permanent change of station order after the servicemember purchased…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section if the creditor refunds the excess to the consumer no later than 60 days…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (3) Disclosure of charges imposed as part of open-end (not home-secured) plans. A creditor shall disclose, to the extent…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students", "§ 1026.60 Credit and charge card applications and solicitations."]
§ 1026.60 Credit and charge card applications and solicitations.
§ 1026.60 Credit and charge card applications and solicitations. (1)(i) Average daily balance (including new purchases). This balance is figured by adding the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (3)(ii), before the individual acts as a loan originator in a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (2) Services you cannot shop for. Under the subheading “Services You Cannot…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. cardholder by an institution other than the card issuer for the use of the other institution's ATM in a shared or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.41 Periodic statements for residential mortgage loans."]
§ 1026.41 Periodic statements for residential mortgage loans.
§ 1026.41 Periodic statements for residential mortgage loans. (1) of this chapter, the servicer is not required to provide to the confirmed successor in…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (7), or (f) of this section, a qualified mortgage is a covered transaction: (i) That…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. must be provided before an over-the-limit fee or a penalty rate can be imposed solely as a result of the consumer…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(i) of this section that involves a seller, the settlement agent shall provide the seller with…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (3)(vii)(A) of this section, the amount of funds from the consumer as…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.35 Requirements for higher-priced mortgage loans."]
§ 1026.35 Requirements for higher-priced mortgage loans.
§ 1026.35 Requirements for higher-priced mortgage loans. (5)(i) of this section shall be delivered or placed in the mail no later than the third business day…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (2)) for the preparation or delivery of the disclosures required under paragraph (f) (1)(i) of this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (2)(iv)(A) of this section, assuming the consumer will have made all required payments as…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (4) Disclosure of rates for open-end (not home-secured) plans. A creditor shall disclose, to the extent applicable: (i)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (5)(i) of this section (unless the difference is due to rounding), a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2) that has not previously been disclosed to the consumer, shall mail or deliver written notice of the renewal to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (5) Item descriptions and ordering. The items listed as loan costs pursuant…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (3)(ii), before the individual acts as a loan originator in a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (4)(ii)(H) of this section, a rate is accurate if it is a rate as of a specified date and this rate was in effect within…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (3)(ii) with an appropriate reference to an addendum and list the remaining…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (1) Notice prior to change. If a credit card issuer plans to change the provider of insurance for repayment of all…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (6)(ii) of this section are determined by subtracting the sum of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (3)(ii)(A): ( i ) A crime is a felony only if at the time of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (1)(ii) and (iii) of this section, the creditor shall provide a copy of the special information…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (2)(vi)(A) through (F) of this section. The amounts specified here shall be adjusted…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (2) Prepaids. Under the subheading “Prepaids,” an itemization of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (3) Substantial decrease in coverage. For purposes of this paragraph, a substantial decrease in coverage is a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.6 Account-opening disclosures."]
§ 1026.6 Account-opening disclosures.
§ 1026.6 Account-opening disclosures. (4)(i)(A) of this section. (B) How long the initial rate will remain in effect and the specific events that cause the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (2)(vi) for the current dollar amounts. (A) For a first-lien covered transaction with a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (2)(v) of this section, stated as a negative number. (iii) Under the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (2) of this section, whenever each such loan document is…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart C—Closed-End Credit", "§ 1026.19 Certain mortgage and variable-rate transactions."]
§ 1026.19 Certain mortgage and variable-rate transactions.
§ 1026.19 Certain mortgage and variable-rate transactions. (2) Permissible changes. Creditors may not make changes to, deletions from, or additions to the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (1)(vi) through (x) of this section, reduced by the total of the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (1) Arbitration. A contract or other agreement for a consumer…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (1), do not exceed: (A) For a loan amount greater than or equal to $100,000 (indexed for…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (2) Timing of written notice. Whenever any notice is required to be given pursuant to paragraph (g) (1) of this…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (2) prescribes a label, each of the amounts required to be disclosed on…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (3)(iv) of this section within 210 days after consummation and prior to the occurrence of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (1) Itemization of amounts due from borrower. (i) The total amount due…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (1) of this section: ( 1 ) A statement that the delinquency or default rate or penalty rate, as applicable, has…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (1) A creditor may not finance, directly or indirectly, any…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (3) Initial escrow payment at closing. Under the subheading “Initial Escrow…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (3) of this section, labeled “Closing Costs Paid at Closing”; (v) A…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (1) of this section must also state that the increase will cease to apply to transactions that occurred prior to…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (1) A depository institution must establish and maintain…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (3)(i) through (iii) of this section, and each such additional item must be…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (2) of this section, a qualified mortgage is a covered transaction that is defined as a…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (1) of this section prior to increasing the rate for obtaining an extension of credit that exceeds the credit…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (2)(iv) of this section instead of paragraph (c) (5) of this section; (C) That is not…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling."]
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. (2) Definitions. For the purposes of this paragraph (k), the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (4)(i) of this section, labeled “Paid Already by or on Behalf of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (5) of this section, labeled “D + I”; and (ii) The amount of any lender…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (2) of this section, a qualified mortgage is a covered transaction: (A) That satisfies the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (1) For all transactions. Under the master heading “Closing Cost Details,”…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (2) of this section, labeled “Other Credits,” and descriptions and the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (4)(i) of this section is included on or with a periodic statement, the information described in paragraph (g)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (7) of this section, the covered transaction must satisfy the following requirements: (A)…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (2)(iv) exceeds the sale price of the property disclosed under paragraph…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart B—Open-End Credit", "§ 1026.9 Subsequent disclosure requirements."]
§ 1026.9 Subsequent disclosure requirements.
§ 1026.9 Subsequent disclosure requirements. (3) Exception. Section 1026.9(h) does not apply when the creditor has not received the consumer's required minimum…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (2)(i) of this section, if any, disclosed as a negative number…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (7) of this section: (A) Delinquency means the failure to make a periodic payment (in one…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (1)(ii) of this section) from the total amount of all existing debt being…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (1)(ii) of this section, labeled “Sale Price of Any Personal Property…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (5) of this section, to the extent known, disclosed as a negative number…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (7) if: ( i ) The servicer chooses not to treat the payment as delinquent for purposes of…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (2)(ii) through (xiii) of this section, excluding items paid from…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (6) of this section, disclosed as a negative number if the amount disclosed…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (7)(iv)(A) of this section: ( i ) Funds in escrow in connection with the covered…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (2) of this section, labeled “Closing Costs Paid at Closing”; (iv) The…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (10)(ii)(E) of this section, a separate table under the master heading…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). period corresponding to that amount, labeled “County Taxes”; (xii) The…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (7)(iv)(D) of this section and ends any pre-existing delinquency on the loan obligation…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (5) Principal and interest payments. Under the subheading “Principal and…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (7)(iv)(B) of this section or the consumer cures the loan's delinquency under its original…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (4) Items paid outside of closing funds. (i) Charges that are not paid…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (1) The name and Nationwide Mortgage Licensing System and Registry…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (1)(iv) of this section, together with the consumer's monthly payments for all…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (1) In five years. Using the label “In 5 Years”: (i) The total principal…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (1)(iv)(A) of this section, together with the consumer's monthly payments for all…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (5) Partial payment policy. Under the subheading “Partial Payments”…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (1)(vi) of this section; (iii) The balloon-payment qualified mortgage is sold, assigned, or…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (7) Escrow account. Under the subheading “Escrow Account”: (i) Under…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (1) Appraisal. For transactions subject to 15 U.S.C. 1639h or 1691(e), as…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (3) Alternative offer required. A creditor must not offer a consumer a covered transaction…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (7) Liability after foreclosure. If the purpose of the credit transaction…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (8) that are known to the creditor and that will not be paid using…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (2) If the creditor does not include a line for the consumer's signature…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.43 Minimum standards for transactions secured by a dwelling."]
§ 1026.43 Minimum standards for transactions secured by a dwelling.
§ 1026.43 Minimum standards for transactions secured by a dwelling. (3) of this section; and (ii) Establish by agreement that the mortgage broker must present…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (7)(i)(A)( 1 ) and ( 4 ) of this section if the creditor bases the…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (5) of this section: (i) For a transaction subject to § 1026.19(e) that is…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). interest rate table. Under the master heading “Additional Information…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (2)(iv) of this section shall be rounded to the nearest whole dollar, if…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (4) Annual percentage rate. The “Annual Percentage Rate,” using that…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate)."]
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). (3) of this section to exceed the space provided for that information, as…
["CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU (CONTINUED)", "PART 1026—TRUTH IN LENDING (REGULATION Z)", "Subpart E—Special Rules for Certain Home Mortgage Transactions", "§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure)."]
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). (3) Liability after foreclosure. A brief statement of whether, and the…

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