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

Most recently amended Jan. 1, 2023

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

TILA-RESPA Integrated Disclosure Compliance Resources

Ability to Repay and Qualified Mortgage Compliance Resources

Loan Originator Compensation Compliance Resources

High Cost Mortgage Compliance Resources

Appraisal Compliance Resources for Higher Priced Mortgages

Escrow Compliance Resources for Higher Priced Mortgages

LIBOR Transition Compliance Resources

Rural and underserved counties lists

Rural and underserved areas tool

Credit Card Agreements and Surveys Filing Resources

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.