# 12 CFR Part 1026 — Regulation Z, Truth in Lending (CFPB; consumer credit disclosure) URL: https://consilena.com/coverage/laws/ksrc_ntstr4hd4h5x783z - Jurisdiction: United States - Type: Regulation - Identifier: /us/cfr/t12/pt1026 - Current as of: 1 July 2024 - Provisions: 57 - Official text: https://www.govinfo.gov/bulkdata/CFR/2024/title-12/CFR-2024-title12-vol9.xml > The library is a research copy. Check the official source before relying on a provision: the text published there, not the copy in Consilena, is the law. ## Provisions - **§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.**: (a) Authority. This part, known as Regulation Z, is issued by the Bureau of… - **§ 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… - **§ 1026.57 Reporting and marketing rules for college student open-end credit.**: (a) Definitions — (1) College student credit card. The term “college student… - **§ 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… - **§ 1026.8 Identifying transactions on periodic statements.**: The creditor shall identify credit transactions on or with the first periodic statement that reflects… - **§ 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… - **§ 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… - **§ 1026.46 Special disclosure requirements for private education loans.**: (a) Coverage. The requirements of this subpart apply to private education loans as… - **§ 1026.56 Requirements for over-the-limit transactions.**: (a) Definition. For purposes of this section, the term “over-the-limit transaction” means any extension… - **§ 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… - **§ 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… - **§ 1026.28 Effect on state laws.**: (a) Inconsistent disclosure requirements. (1) Except as provided in paragraph (d) of this section, State law requirements that… - **§ 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… - **§ 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… - **§ 1026.16 Advertising.**: (a) Actually available terms. If an advertisement for credit states specific credit terms, it shall state only those terms that actually… - **§ 1026.59 Reevaluation of rate increases.**: (a) General rule — (1) Evaluation of increased rate. If a card issuer increases an annual percentage rate that… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: For each transaction subject to § 1026.19(e), the creditor shall disclose… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.9 Subsequent disclosure requirements.**: (a) Furnishing statement of billing rights — (1) Annual statement. The creditor shall mail or deliver the billing… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.24 Advertising.**: (a) Actually available terms. If an advertisement for credit states specific credit terms, it shall state only those terms that actually… - **§ 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… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: (a) Mortgage transactions subject to RESPA — (1)(i) Time of disclosures. In a reverse mortgage… - **§ 1026.60 Credit and charge card applications and solicitations.**: (a) General rules. The card issuer shall provide the disclosures required under this section… - **§ 1026.7 Periodic statement.**: The creditor shall furnish the consumer with a periodic statement that discloses the following items, to the extent applicable… - **§ 1026.25 Record retention.**: (a) General rule. A creditor shall retain evidence of compliance with this part (other than advertising requirements under §§… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: (a) Refinancings. A refinancing occurs when an existing obligation that was subject to… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: For each transaction subject to § 1026.19(f), the creditor shall… - **§ 1026.33 Requirements for reverse mortgages.**: (a) Definition. For purposes of this subpart, reverse mortgage transaction means a nonrecourse consumer credit… - **§ 1026.35 Requirements for higher-priced mortgage loans.**: (a) Definitions. For purposes of this section: (1) “Higher-priced mortgage loan” means a closed-end… - **§ 1026.47 Content of disclosures.**: (a) Application or solicitation disclosures. A creditor shall provide the disclosures required under paragraph (a) of this… - **§ 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… - **§ 1026.42 Valuation independence.**: (a) Scope. This section applies to any consumer credit transaction secured by the consumer's principal dwelling. (b)… - **§ 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… - **§ 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… - **§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.**: (a) Definitions — - **§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.**: (a) Prohibited acts or practices for high-cost mortgages — (1) Home improvement… - **§ 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… - **§ 1026.39 Mortgage transfer disclosures.**: (a) Scope. The disclosure requirements of this section apply to any covered person except as otherwise provided in… - **§ 1026.5 General disclosure requirements.**: (a) Form of disclosures — (1) General. (i) The creditor shall make the disclosures required by this subpart clearly… - **§ 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… - **§ 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… - **§ 1026.58 Internet posting of credit card agreements.**: (a) Applicability. The requirements of this section apply to any card issuer that issues credit cards… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (a) In general — (1) Scope. This section applies to a closed-end consumer credit transaction… - **§ 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… - **§ 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… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: (1)(i) of this section becomes inaccurate, as defined in § 1026.22, the creditor shall provide… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: (2) The total charges imposed by the creditor in connection with the assumption. (3) The… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.57 Reporting and marketing rules for college student open-end credit.**: (5) College credit card agreement. The term “college credit card agreement” as… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.**: does not generally govern charges for consumer credit, except that several… - **§ 1026.42 Valuation independence.**: (1) Coercion. In connection with a covered transaction, no covered person shall or shall attempt to directly or indirectly… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.17 General disclosure requirements.**: (2) Except for private education loan disclosures made in compliance with § 1026.47, the terms “finance charge” and… - **§ 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)… - **§ 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… - **§ 1026.14 Determination of annual percentage rate.**: (1) Solely periodic rates imposed. If the finance charge is determined solely by applying one or more… - **§ 1026.46 Special disclosure requirements for private education loans.**: (3) Postsecondary educational expenses means any of the expenses that are listed as part… - **§ 1026.11 Treatment of credit balances; account termination.**: (1) General rule. (i) Reasonable policies and procedures required. For credit card accounts under… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (6), labeled “Property.” (vii) Sale price. (A) In credit transactions… - **§ 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… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (2) Periodic statements. A servicer of a transaction subject to this section shall provide the… - **§ 1026.39 Mortgage transfer disclosures.**: (1) Form of disclosures. The disclosures required by this section shall be provided clearly and conspicuously in… - **§ 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… - **§ 1026.18 Content of disclosures.**: (3) Good faith estimates of settlement costs provided for transactions subject to the Real Estate Settlement Procedures Act… - **§ 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… - **§ 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… - **§ 1026.22 Determination of annual percentage rate.**: (3), an irregular transaction is one that includes one or more of the following features: multiple advances… - **§ 1026.5 General disclosure requirements.**: (2) Terminology. (i) Terminology used in providing the disclosures required by this subpart shall be consistent. (ii)… - **§ 1026.60 Credit and charge card applications and solicitations.**: (1) of this section, any introductory rate required to be disclosed pursuant to paragraph (b)… - **§ 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… - **§ 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… - **§ 1026.28 Effect on state laws.**: (2)(i) State law requirements are inconsistent with the requirements contained in sections 161 (Correction of billing errors)… - **§ 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… - **§ 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… - **§ 1026.35 Requirements for higher-priced mortgage loans.**: (4) “Insured depository institution” has the meaning given in Section 3 of the Federal Deposit… - **§ 1026.13 Billing error resolution.**: (9), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the… - **§ 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… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: (1) Coverage —(i) In general. For purposes of this paragraph (c), an adjustable-rate… - **§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.**: (2)(xii) after complying with the applicable notice requirements in §… - **§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.**: (2) If a credit card is involved, however, certain provisions apply even if… - **§ 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… - **§ 1026.22 Determination of annual percentage rate.**: (4) of this section; (ii) If the disclosed finance charge is overstated, and the disclosed annual percentage… - **§ 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… - **§ 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… - **§ 1026.9 Subsequent disclosure requirements.**: (2)(i) applies to the checks: ( 1 ) The promotional rate and the time period during which the promotional rate… - **§ 1026.48 Limitations on private education loans.**: (2) of this section, nothing in this section prevents the creditor from: (A) Withdrawing an offer before… - **§ 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… - **§ 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… - **§ 1026.14 Determination of annual percentage rate.**: (3) Transaction charge imposed. If the finance charge imposed during the billing cycle is or includes a… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.47 Content of disclosures.**: (6) Alternatives to private education loans. (i) A statement that the consumer may qualify for Federal student financial… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.17 General disclosure requirements.**: (2)(i) If any information necessary for an accurate disclosure is unknown to the creditor, the creditor shall make… - **§ 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… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: (2) of this section. (b) Certain variable-rate transactions. Except as provided in paragraph (d) of… - **§ 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… - **§ 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… - **§ 1026.8 Identifying transactions on periodic statements.**: (2) As an alternative to the brief identification for sale or nonsale credit, the creditor may… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (1) through (4), other than § 1026.37(c) (4)(vi). In disclosing… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.13 Billing error resolution.**: (1) Consumer's right to withhold disputed amount; collection action prohibited. The consumer need not pay (and the creditor… - **§ 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… - **§ 1026.24 Advertising.**: (1) Scope. The requirements of this paragraph apply to any advertisement for credit secured by a dwelling, other than television or… - **§ 1026.31 General rules.**: (2) Estimates. If any information necessary for an accurate disclosure is unknown to the creditor, the creditor shall make the… - **§ 1026.46 Special disclosure requirements for private education loans.**: (1) Clear and conspicuous. The disclosures required by this subpart shall be made… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (10) Product. A description of the loan product, labeled “Product.” (i) The… - **§ 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… - **§ 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… - **§ 1026.11 Treatment of credit balances; account termination.**: (2) of this section is received within 30 days after disclosure. - **§ 1026.6 Account-opening disclosures.**: (3) Home-equity plan information. The following disclosures described in § 1026.40(d), as applicable: (i) A statement of… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (10)(iii) of this section, as applicable: (A) Negative amortization. If the… - **§ 1026.17 General disclosure requirements.**: (4) In making calculations and disclosures, the creditor may disregard any irregularity in the first period that… - **§ 1026.6 Account-opening disclosures.**: (5) Statement of billing rights. A statement that outlines the consumer's rights and the creditor's responsibilities… - **§ 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… - **§ 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… - **§ 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)… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.5 General disclosure requirements.**: (1) Account-opening disclosures —(i) General rule. The creditor shall furnish account-opening disclosures required by… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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)… - **§ 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… - **§ 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… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: (2) of this section, the disclosures required by this paragraph (c) shall be provided to… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: (2) A loan program disclosure for each variable-rate program in which the consumer expresses an… - **§ 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… - **§ 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… - **§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.**: (4) a creditor must determine the consumer's repayment ability in connection… - **§ 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… - **§ 1026.13 Billing error resolution.**: (4) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the… - **§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.**: (3) Compensation. The term “compensation” includes salaries… - **§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.**: (2) Subpart B contains the rules for open-end credit. It requires that… - **§ 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… - **§ 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… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (3) Past payment breakdown. The following items, grouped together in close proximity to each… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.35 Requirements for higher-priced mortgage loans.**: (1), secured by first liens, that were sold, assigned, or otherwise transferred to another person, or… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (9)(ii) of this section, together with: (A) A statement that the… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.46 Special disclosure requirements for private education loans.**: (3) Electronic disclosures. The disclosures required under §§ 1026.47(b) and (c) may be… - **§ 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… - **§ 1026.42 Valuation independence.**: (1)(i) In general. No person preparing a valuation or performing valuation management functions for a covered transaction may… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (6) Contact information. A toll-free telephone number and, if applicable, an electronic mailing… - **§ 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… - **§ 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… - **§ 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… - **§ 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)… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (10)(ii) of this section. (iv) The disclosures required by paragraphs (a)… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: interest-only or payment-option features. (ii) A table containing the following… - **§ 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… - **§ 1026.46 Special disclosure requirements for private education loans.**: (1) Application or solicitation disclosures. (i) The disclosures required by §… - **§ 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… - **§ 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… - **§ 1026.9 Subsequent disclosure requirements.**: (1) Rules affecting home-equity plans —(i) Written notice required. For home-equity plans subject to the… - **§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.**: (6) Subpart F relates to private education loans. It contains rules on… - **§ 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… - **§ 1026.39 Mortgage transfer disclosures.**: (5) Partial payment policy. Under the subheading “Partial Payment”: (i) If periodic payments that are less than the… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (1) Loan amount. Labeled “Loan Amount”: (i) Under the subheading “Loan… - **§ 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… - **§ 1026.43 Minimum standards for transactions secured by a dwelling.**: section: (1) Covered transaction means a consumer credit transaction that is secured by a… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.18 Content of disclosures.**: (2) When an obligation includes a finance charge other than the finance charge described in paragraph (k) - **§ 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… - **§ 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… - **§ 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… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: payment for a $10,000 loan originated at the initial interest rate (index value plus margin… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: (1) Provision of disclosures —(i) Creditor. In a closed-end consumer credit transaction secured by… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: formula, such as the addition of a margin or the application of any previously foregone… - **§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.**: (5) Pre-loan counseling —(i) Certification of counseling required. A creditor… - **§ 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… - **§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.**: (7) Index replacement and margin change exception. A card issuer may increase… - **§ 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… - **§ 1026.40 Requirements for home equity plans.**: (11) Tax implications. A statement that the consumer should consult a tax advisor regarding the deductibility of… - **§ 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… - **§ 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… - **§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability.**: (8) Several appendices contain information such as the procedures for… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.5 General disclosure requirements.**: (1), before providing account-opening disclosures if, after receiving the disclosures, the consumer may reject the… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (2)(ii) of this section is different than the amount disclosed under… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.42 Valuation independence.**: (4) Providers of multiple settlement services. For any covered transaction, a person who prepares a valuation or performs… - **§ 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… - **§ 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… - **§ 1026.24 Advertising.**: (2) The consumer should consult a tax adviser for further information regarding the deductibility of interest and charges. (i)… - **§ 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… - **§ 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… - **§ 1026.39 Mortgage transfer disclosures.**: (1) of this chapter, the servicer is not required to provide to the confirmed successor in interest any written… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (8) Delinquency information. If the consumer is more than 45 days delinquent, the following… - **§ 1026.46 Special disclosure requirements for private education loans.**: (2) Approval disclosures. The creditor shall provide the disclosures required by §… - **§ 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… - **§ 1026.5 General disclosure requirements.**: (2) Periodic statements —(i) Statement required. The creditor shall mail or deliver a periodic statement as required… - **§ 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… - **§ 1026.4 Finance charge.**: (3) Voluntary debt cancellation or debt suspension fees. Charges or premiums paid for debt cancellation coverage for amounts exceeding… - **§ 1026.42 Valuation independence.**: (5) Definitions. For purposes of this paragraph (d), the following definitions apply: (i) Loan production function. The term… - **§ 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… - **§ 1026.6 Account-opening disclosures.**: (2) Required disclosures for account-opening table for open-end (not home-secured) plans. A creditor shall disclose the… - **§ 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… - **§ 1026.43 Minimum standards for transactions secured by a dwelling.**: (7)(iv), the expiration of the period during which interest-only payments are permitted… - **§ 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… - **§ 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… - **§ 1026.46 Special disclosure requirements for private education loans.**: (2) Estimates. If any information necessary for an accurate disclosure is unknown to the… - **§ 1026.61 Hybrid prepaid-credit cards.**: (5) Definitions. For purposes of this section and other provisions in the regulation that relate to hybrid… - **§ 1026.17 General disclosure requirements.**: (5) The terms of repayment. (h) Series of sales—delay in disclosures. Except for mortgage disclosures made in… - **§ 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… - **§ 1026.16 Advertising.**: or radio advertisements, in a clear and conspicuous manner with equal prominence and in close proximity to each listing of the… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (3) Closing costs paid before closing. Labeled “Closing Costs Paid… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.24 Advertising.**: (1) Misleading advertising of “fixed” rates and payments. Using the word “fixed” to refer to rates, payments, or the credit transaction… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: (2) in appendix H to this part; and (ii) The disclosures required by paragraph (c)… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (3) Principal and interest payment. The initial periodic payment amount… - **§ 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… - **§ 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… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: (1)(i) of this section not later than the seventh business day before consummation of the… - **§ 1026.42 Valuation independence.**: (1) Requirement to provide customary and reasonable compensation to fee appraisers. In any covered transaction, the creditor… - **§ 1026.2 Definitions and rules of construction.**: (25) Security interest means an interest in property that secures performance of a consumer credit obligation… - **§ 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… - **§ 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)… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (3) of this section, a statement of whether the amount may increase after… - **§ 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… - **§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.**: (1) Definition of protected balance. For purposes of this paragraph, “protected… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (4) Small servicers —(i) Exemption. A creditor, assignee, or servicer is exempt from the… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: (2) Content. If the new interest rate (or the new payment calculated from the new… - **§ 1026.4 Finance charge.**: (4) Telephone purchases. If a consumer purchases credit insurance or debt cancellation or debt suspension coverage for an open-end… - **§ 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… - **§ 1026.23 Right of rescission.**: (2) Tolerance for disclosures. After the initiation of foreclosure on the consumer's principal dwelling that secures the credit… - **§ 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… - **§ 1026.17 General disclosure requirements.**: (2) The creditor retains no security interest in any property after the creditor has received payments equal to the… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (5)(vii)(B) of this section is a negative number; (iii) Disclosed more… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.60 Credit and charge card applications and solicitations.**: (2)(ii), in the table or in any written or electronic promotional materials accompanying… - **§ 1026.43 Minimum standards for transactions secured by a dwelling.**: (2) Basis for determination. Except as provided otherwise in paragraphs (d), (e), and (f)… - **§ 1026.5 General disclosure requirements.**: (3) Credit and charge card application and solicitation disclosures. The card issuer shall furnish the disclosures… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.35 Requirements for higher-priced mortgage loans.**: (1) Definitions. For purposes of this section: (i) Certified or licensed appraiser means a person who… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (8) of this section. (iii) Increase in periodic payment. The scheduled… - **§ 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… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: (2)(iv)(A) of this section within fifteen business days prior to the date of the… - **§ 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)… - **§ 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… - **§ 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… - **§ 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)… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.60 Credit and charge card applications and solicitations.**: (3) Fixed finance charge; minimum interest charge. Any fixed finance charge and a brief… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.35 Requirements for higher-priced mortgage loans.**: agency means a “State appraiser certifying and licensing agency” recognized in accordance with section… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.6 Account-opening disclosures.**: (2)(ii), creditors must briefly disclose directly beneath the table the circumstances under which the introductory rate… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: including any margin and an explanation that the margin is the addition of a certain… - **§ 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… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: (3)(ii) through (iv) of this section. (ii) Limited increases permitted for certain charges. An… - **§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.**: related fees) until the default is cured. (9) Payoff statements —(i) Fee… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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)… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.16 Advertising.**: (2) Definitions. “Deferred interest” means finance charges, accrued on balances or transactions, that a consumer is not obligated to pay… - **§ 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… - **§ 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… - **§ 1026.42 Valuation independence.**: (4) Definitions. For purposes of this paragraph (f), the following definitions apply: (i) Fee appraiser. The term “fee… - **§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.**: (1)(iii), “designated tax-advantaged plan” means any plan… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (5) Subtotal of loan costs. The sum of loan costs, calculated by… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (5) of this section; (C) The creditor must automatically terminate mortgage… - **§ 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… - **§ 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… - **§ 1026.6 Account-opening disclosures.**: (2)(i) of this section in the account-opening table: ( 1 ) The specific annual percentage rate applicable to the… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (5)(ii) of this section. (iv) Timing of compliance following transition —(A) Triggering events… - **§ 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… - **§ 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… - **§ 1026.32 Requirements for high-cost mortgages.**: (5) Affiliate means any company that controls, is controlled by, or is under common control with another… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (1)(i)(A) through (D) of this section occurring after the second separate… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (1)(i)(A) of this section); and (ii) On subsequent lines, in the… - **§ 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… - **§ 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… - **§ 1026.42 Valuation independence.**: (1) Reporting required. Any covered person that reasonably believes an appraiser has not complied with the Uniform Standards… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (3) for services that are required or obtained in the real estate… - **§ 1026.9 Subsequent disclosure requirements.**: (2), or a description of any security interest being acquired by the creditor), with headings and format… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.7 Periodic statement.**: (3) in appendix G to this part, as applicable. (iv) Provision of information about credit counseling services —(A) Required… - **§ 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… - **§ 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… - **§ 1026.32 Requirements for high-cost mortgages.**: (1) Notices. The following statement: “You are not required to complete this agreement merely because you have… - **§ 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… - **§ 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… - **§ 1026.6 Account-opening disclosures.**: (4)(i)(D) of this section is provided with the account-opening disclosures. In determining which balance computation… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (2)(i)(A) of this section; (ii) The maximum amount payable for mortgage… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (3) The amount of lender credits as a negative number, labeled “Lender… - **§ 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… - **§ 1026.60 Credit and charge card applications and solicitations.**: (1) General. The card issuer shall disclose the applicable items in paragraph (b) of this… - **§ 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… - **§ 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… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: (2) Content requirements. If an escrow account was established in connection with a… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (3) Chapter 12 and chapter 13 consumers. In addition to any other provisions of this paragraph… - **§ 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… - **§ 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… - **§ 1026.43 Minimum standards for transactions secured by a dwelling.**: (5) Payment calculations. For purposes of determining whether the consumer's monthly… - **§ 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… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: statement with a telephone number that the consumer can use to request additional… - **§ 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… - **§ 1026.9 Subsequent disclosure requirements.**: (7)(i) or (ii)); suspension of future credit privileges (except as provided in paragraph (c) (2)(vi) of this… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (1)(i) of this section (unless the difference is due to rounding): ( 1… - **§ 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… - **§ 1026.32 Requirements for high-cost mortgages.**: (4) Variable-rate. For variable-rate transactions, a statement that the interest rate and monthly payment may… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (5), expressed as a monthly amount, even if no escrow account for the… - **§ 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… - **§ 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… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: (1)(i) of this section becomes inaccurate in the following manner before consummation, the creditor… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (1) Costs at closing table. In a separate table, under the heading “Costs… - **§ 1026.60 Credit and charge card applications and solicitations.**: (1) Disclosure of required credit information. The card issuer may disclose in a prominent… - **§ 1026.20 Disclosure requirements regarding post-consummation events.**: (2) of this section. (5) Timing —(i) Cancellation upon consumer's request. If the… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (4) of this section must include all payments the servicer has received since the last statement… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (2) Closing costs paid before closing. (i) Under the subheading “Loan… - **§ 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… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (2)(iv) of this section; (ii) A statement of whether the disclosed… - **§ 1026.9 Subsequent disclosure requirements.**: (2)(xii), or the required minimum periodic payment due to the completion of a workout or temporary hardship… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (3)(i) of this section (unless the difference is due to rounding), a… - **§ 1026.32 Requirements for high-cost mortgages.**: (8) Acceleration of debt. A demand feature that permits the creditor to accelerate the indebtedness by… - **§ 1026.41 Periodic statements for residential mortgage loans.**: consumer is more than 45 days delinquent on post-petition payments, a statement that the servicer… - **§ 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… - **§ 1026.35 Requirements for higher-priced mortgage loans.**: (1), who received a deployment or permanent change of station order after the servicemember purchased… - **§ 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… - **§ 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… - **§ 1026.60 Credit and charge card applications and solicitations.**: (1)(i) Average daily balance (including new purchases). This balance is figured by adding the… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (2) Services you cannot shop for. Under the subheading “Services You Cannot… - **§ 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… - **§ 1026.41 Periodic statements for residential mortgage loans.**: (1) of this chapter, the servicer is not required to provide to the confirmed successor in… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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)… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (5)(i) of this section (unless the difference is due to rounding), a… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (5) Item descriptions and ordering. The items listed as loan costs pursuant… - **§ 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… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (3)(ii) with an appropriate reference to an addendum and list the remaining… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (6)(ii) of this section are determined by subtracting the sum of the… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (2) Prepaids. Under the subheading “Prepaids,” an itemization of the… - **§ 1026.9 Subsequent disclosure requirements.**: (3) Substantial decrease in coverage. For purposes of this paragraph, a substantial decrease in coverage is a… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (2)(v) of this section, stated as a negative number. (iii) Under the… - **§ 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… - **§ 1026.19 Certain mortgage and variable-rate transactions.**: (2) Permissible changes. Creditors may not make changes to, deletions from, or additions to the… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (1)(vi) through (x) of this section, reduced by the total of the… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (2) prescribes a label, each of the amounts required to be disclosed on… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (1) Itemization of amounts due from borrower. (i) The total amount due… - **§ 1026.9 Subsequent disclosure requirements.**: (1) of this section: ( 1 ) A statement that the delinquency or default rate or penalty rate, as applicable, has… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (3) Initial escrow payment at closing. Under the subheading “Initial Escrow… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (3) of this section, labeled “Closing Costs Paid at Closing”; (v) A… - **§ 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… - **§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.**: (1) A depository institution must establish and maintain… - **§ 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… - **§ 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… - **§ 1026.9 Subsequent disclosure requirements.**: (1) of this section prior to increasing the rate for obtaining an extension of credit that exceeds the credit… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (4)(i) of this section, labeled “Paid Already by or on Behalf of… - **§ 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… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (1) For all transactions. Under the master heading “Closing Cost Details,”… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (2) of this section, labeled “Other Credits,” and descriptions and the… - **§ 1026.9 Subsequent disclosure requirements.**: (4)(i) of this section is included on or with a periodic statement, the information described in paragraph (g)… - **§ 1026.43 Minimum standards for transactions secured by a dwelling.**: (7) of this section, the covered transaction must satisfy the following requirements: (A)… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (2)(iv) exceeds the sale price of the property disclosed under paragraph… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (2)(i) of this section, if any, disclosed as a negative number… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (1)(ii) of this section, labeled “Sale Price of Any Personal Property… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (5) of this section, to the extent known, disclosed as a negative number… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (2)(ii) through (xiii) of this section, excluding items paid from… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (6) of this section, disclosed as a negative number if the amount disclosed… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (2) of this section, labeled “Closing Costs Paid at Closing”; (iv) The… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (10)(ii)(E) of this section, a separate table under the master heading… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: period corresponding to that amount, labeled “County Taxes”; (xii) The… - **§ 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… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (5) Principal and interest payments. Under the subheading “Principal and… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (4) Items paid outside of closing funds. (i) Charges that are not paid… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (1) The name and Nationwide Mortgage Licensing System and Registry… - **§ 1026.43 Minimum standards for transactions secured by a dwelling.**: (1)(iv) of this section, together with the consumer's monthly payments for all… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (5) Partial payment policy. Under the subheading “Partial Payments”… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (7) Escrow account. Under the subheading “Escrow Account”: (i) Under… - **§ 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… - **§ 1026.43 Minimum standards for transactions secured by a dwelling.**: (3) Alternative offer required. A creditor must not offer a consumer a covered transaction… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (7) Liability after foreclosure. If the purpose of the credit transaction… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: interest rate table. Under the master heading “Additional Information… - **§ 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… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (4) Annual percentage rate. The “Annual Percentage Rate,” using that… - **§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).**: (3) of this section to exceed the space provided for that information, as… - **§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).**: (3) Liability after foreclosure. A brief statement of whether, and the… --- Consilena is a software provider, not a law firm. AI output is not legal advice: consult a licensed lawyer in the relevant jurisdiction. Page: https://consilena.com/coverage/laws/ksrc_ntstr4hd4h5x783z. Index of every page: https://consilena.com/llms.txt.