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

Most recently amended Jan. 1, 2024

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