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