12 CFR Part 1026 - Truth in Lending (Regulation Z)

Most recently amended April 1, 2019

Regulation Z protects people when they use consumer credit.

Consumer credit includes:

Mortgage loans
Home equity lines of credit
Reverse mortgages
Open-end credit
Certain student loans
Installment loans

The regulation covers topics such as:

Annual percentage rates
Credit card disclosures
Periodic statements
Mortgage loan disclosures
Mortgage loan servicing requirements
Mortgage loan appraisal requirements

Additional resources

Consumer FAQs

Other resources

Additional information about Integrated Mortgage Disclosures under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z)

Information about the 2013 mortgage rule implementation

CFPB Finalizes Minor Changes to “Know Before You Owe” Mortgage Rules Press Release

The Know Before You Owe mortgage rule will take effect October 3, 2015 Blog Post

User notice

The Bureau launched this resource to provide an easier-to-navigate electronic format for many of its Regulations. This resource is not an official legal edition of the Code of Federal Regulations or the Federal Register, and it does not replace the official versions of those publications. The Bureau has made every effort to ensure the material presented in this resource is accurate; if you are relying on it for legal research, please consult the official editions of those sources to confirm your findings.