Skip to main content

An official website of the United States government

(855) 411-2372

Submit a Complaint

Submit a Complaint
Consumer Education
Resources for Yourself

Resources for Helping Others

Consumer Complaint Database
Money Topics

Auto Loans

Bank Accounts & Services

Credit Cards

Credit Reports & Scores

Debt Collection

Fraud & Scams
Money Topics

Money Transfers

Mortgages

Payday Loans

Prepaid Cards

Reverse Mortgages

Student Loans
Featured

Explore guides to help you plan for big financial goals

Additional Resources

Submit a Complaint

Tell Your Story

Browse Ask CFPB
Rules & Policy
Rules & Policy Overview
Final Rules

Interactive Regulations
Rules Under Development

Notices and Opportunities to Comment

Regulatory Agenda

Petitions for Rulemaking
Competition and Innovation

Advisory Committees
Enforcement
Enforcement Overview
Enforcement Actions

Enforcement by the Numbers

Investigatory Authority
Warning Letters

Payments to Harmed Consumers

Industry Whistleblowers
Compliance
Compliance Overview
Compliance Resources

Advisory Opinion Program

Consumer Financial Protection Circulars
Supervision and Examinations

Supervisory Highlights

Supervisory Guidance
Registration & Submission Programs

Amicus Program

Consumer Complaint Program
Data & Research
Data & Research Overview
Reports

Research Hub

Consumer Complaint Database

Mortgage Database (HMDA)

Small Business Lending Database
Public Data Inventory

Consumer Credit Trends

Mortgage Performance Trends

Financial Well-Being Survey
Credit Card Surveys & Agreements

Prepaid Account Agreements

Making Ends Meet Survey Data

National Age-Friendly Banking Survey
Featured

Help advance financial well-being
News
Press Releases

Speeches & Op-eds

Testimony

Statements
Blog

Director’s Notebook

Recent Updates

Consumer Advisories

(855) 411-2372

/ 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

§§ 1026.44-1026.45 [Reserved]

This version is the current regulation

View all versions of this regulation
Search this regulation

Regulation Z

Previous section - § 1026.43 § 1026.43 Minimum standards for transactions secured by a dwelling.
Next section - § 1026.46 § 1026.46 Special disclosure requirements for private education loans.

Back to top

About Us
Contact Us
Careers
Events
Industry Whistleblowers
CFPB Ombudsman

FOIA
Privacy
Website Privacy Policy & Legal Notices
Data
Open Government
Information Quality Guidelines

Office of Minority and Women Inclusion
Administrative Adjudication
Plain Writing
Accessibility
Office of Civil Rights
No FEAR Act & Cummings Act
Tribal

USA.gov
Office of Inspector General
Public Archive

An official website of the United States government