Skip to main content

Annual Percentage Rate Tables for Closed-End Transactions (Regulation Z)

The Regulation Z Annual Percentage Rate (APR) Tables for closed-end credit transactions are provided below. These tables may be used to determine the annual percentage rate for purposes of Regulation Z. An annual percentage rate determined from these tables in accordance with the accompanying instructions in the volumes below complies with the requirements of Regulation Z, 12 CFR § 1026.22.

Volume I of the tables applies to single advance transactions involving up to 480 monthly payments or 104 weekly payments. It may be used for regular transactions and for transactions with any of the following irregularities: an irregular first period, an irregular first payment, and an irregular final payment.

Volume II of the tables applies to transactions involving multiple advances and any type of payment or period irregularity.

The Bureau has also provided just the tables below.