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/ Interactive Bureau Regulations / 12 CFR Part 1026 (Regulation Z)

§ 1026.1 Authority, purpose, coverage, organization, enforcement, and liability. § 1026.2 Definitions and rules of construction. § 1026.3 Exempt transactions. § 1026.4 Finance charge.

§ 1026.5 General disclosure requirements. § 1026.6 Account-opening disclosures. § 1026.7 Periodic statement. § 1026.8 Identifying transactions on periodic statements. § 1026.9 Subsequent disclosure requirements. § 1026.10 Payments. § 1026.11 Treatment of credit balances; account termination. § 1026.12 Special credit card provisions. § 1026.13 Billing error resolution. § 1026.14 Determination of annual percentage rate. § 1026.15 Right of rescission. § 1026.16 Advertising.

§ 1026.17 General disclosure requirements. § 1026.18 Content of disclosures. § 1026.19 Certain mortgage and variable-rate transactions. § 1026.20 Disclosure requirements regarding post-consummation events. § 1026.21 Treatment of credit balances. § 1026.22 Determination of annual percentage rate. § 1026.23 Right of rescission. § 1026.24 Advertising.

§ 1026.25 Record retention. § 1026.26 Use of annual percentage rate in oral disclosures. § 1026.27 Language of disclosures. § 1026.28 Effect on state laws. § 1026.29 State exemptions. § 1026.30 Limitation on rates.

§ 1026.31 General rules. § 1026.32 Requirements for high-cost mortgages. § 1026.33 Requirements for reverse mortgages. § 1026.34 Prohibited acts or practices in connection with high-cost mortgages. § 1026.35 Requirements for higher-priced mortgage loans. § 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling. § 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate). § 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure). § 1026.39 Mortgage transfer disclosures. § 1026.40 Requirements for home equity plans. § 1026.41 Periodic statements for residential mortgage loans. § 1026.42 Valuation independence. § 1026.43 Minimum standards for transactions secured by a dwelling. §§ 1026.44-1026.45 [Reserved]

§ 1026.46 Special disclosure requirements for private education loans. § 1026.47 Content of disclosures. § 1026.48 Limitations on private education loans.

§ 1026.51 Ability to Pay. § 1026.52 Limitations on fees. § 1026.53 Allocation of payments. § 1026.54 Limitations on the imposition of finance charges. § 1026.55 Limitations on increasing annual percentage rates, fees, and charges. § 1026.56 Requirements for over-the-limit transactions. § 1026.57 Reporting and marketing rules for college student open-end credit. § 1026.58 Internet posting of credit card agreements. § 1026.59 Reevaluation of rate increases. § 1026.60 Credit and charge card applications and solicitations. § 1026.61 Hybrid prepaid-credit cards.

Appendix A to Part 1026 — Effect on State Laws Appendix B to Part 1026 — State Exemptions Appendix C to Part 1026 — Issuance of Official Interpretations Appendix D to Part 1026 — Multiple Advance Construction Loans Appendix E to Part 1026 — Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis Appendix F to Part 1026 — Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer's Dwelling Appendix G to Part 1026 — Open-End Model Forms and Clauses Appendix H to Part 1026 — Closed-End Model Forms and Clauses Appendix I to Part 1026 [Reserved] Appendix J to Part 1026 — Annual Percentage Rate Computations for Closed-End Credit Transactions Appendix K to Part 1026 — Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions Appendix L to Part 1026 — Assumed Loan Periods for Computations of Total Annual Loan Cost Rates Appendix M1 to Part 1026 — Repayment Disclosures Appendix M2 to Part 1026 — Sample Calculations of Repayment Disclosures Appendix N to Part 1026 — Higher-Priced Mortgage Loan Appraisal Safe Harbor Review Appendix O to Part 1026 — Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules Appendix P to Part 1026 [Reserved]

Introduction Comment for 1026.1 - Authority, Purpose, Coverage, Organization, Enforcement and Liability Comment for 1026.2 - Definitions and Rules of Construction Comment for 1026.3 - Exempt Transactions Comment for 1026.4 - Finance Charge Comment for 1026.5 - General Disclosure Requirements Comment for 1026.6 - Account-Opening Disclosures Comment for 1026.7 - Periodic Statement Comment for 1026.8 - Identifying Transactions on Periodic Statements Comment for 1026.9 - Subsequent Disclosure Requirements Comment for 1026.10 - Payments Comment for 1026.11 - Treatment of Credit Balances; Account Termination Comment for 1026.12 - Special Credit Card Provisions Comment for 1026.13 - Billing Error Resolution Comment for 1026.14 - Determination of Annual Percentage Rate Comment for 1026.15 - Right of Rescission Comment for 1026.16 - Advertising Comment for 1026.17 - General Disclosure Requirements Comment for 1026.18 - Content of Disclosures Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions Comment for 1026.20 Disclosure Requirements Regarding Post-Consummation Events Comment for 1026.21 - Treatment of Credit Balances Comment for 1026.22 - Determination of Annual Percentage Rate Comment for 1026.23 - Right of Rescission Comment for 1026.24 - Advertising Comment for 1026.25 - Record Retention Comment for 1026.26 - Use of Annual Percentage Rate in Oral Disclosures Comment for 1026.27 - Language of Disclosures Comment for 1026.28 - Effect on State Laws Comment for 1026.29 - State Exemptions Comment for 1026.30 - Limitation on Rates Comment for 1026.31 - General Rules Comment for 1026.32 - Requirements for High-Cost Mortgages Comment for 1026.33 - Requirements for Reverse Mortgages Comment for 1026.34 - Prohibited Acts or Practices in Connection With High-Cost Mortgages Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate) Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure) Comment for 1026.39 - Mortgage Transfer Disclosures Comment for 1026.40 - Requirements for Home-Equity Plans Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans Comment for 1026.42 - Valuation Independence Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling Comment for 1026.46 - Special Disclosure Requirements for Private Education Loans Comment for 1026.47 - Content of Disclosures Comment for 1026.48 - Limitations on Private Education Loans Comment for 1026.51 Ability To Pay Comment for 1026.52 - Limitations on Fees Comment for 1026.53 - Allocation of Payments Comment for 1026.54 - Limitations on the Imposition of Finance Charges Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges Comment for 1026.56 - Requirements for Over-the-Limit Transactions Comment for 1026.57 - Reporting and Marketing Rules for College Student Open-End Credit Comment for 1026.58 - Internet Posting of Credit Card Agreements Comment for 1026.59 - Reevaluation of Rate Increases Comment for 1026.60 - Credit and Charge Card Applications and Solicitations Comment for 1026.61 - Hybrid Prepaid-Credit Cards Comment for Appendix A - Effect on State Laws Comment for Appendix B - State Exemptions Comment for Appendix C - Issuance of Official Interpretations Comment for Appendix D - Multiple-Advance Construction Loans Comment for Appendix F - Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer's Dwelling Comment for Appendix G - Open-End Model Forms and Clauses Appendices G and H - Open-End and Closed-End Model Forms and Clauses Comment for Appendix H - Closed-End Forms and Clauses Comment for Appendix J - Annual Percentage Rate Computations for Closed-End Credit Transactions Comment for Appendix K - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions Comment for Appendix L - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates Comment for Appendix O - Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules

Appendix I to Part 1026 [Reserved]

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Regulation Z

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