12 CFR Part 1026 - Truth in Lending (Regulation Z)
Regulation Z protects people when they use consumer credit.
You are viewing a previous version of this regulation with amendments that went into effect on Oct. 1, 2023.
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