Comment for 1026.32 - Requirements for High-Cost Mortgages
borrowed in a refinancing includes premiums or other charges for credit life, accident, health, or loss-of-income
- 1026 (Regulation Z)
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Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
records from a third-party service provider, such as a party the consumer's employer uses to respond to income
- 1026 (Regulation Z)
Comment for 1026.34 - Prohibited Acts or Practices in Connection With High-Cost Mortgages
repayment ability, determining the payment obligation, and measuring the relationship of obligations to income
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
(A) The consumer's current or reasonably expected income or assets other than the value of the dwelling
- 1026 (Regulation Z)
Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
creditor may choose to treat the monthly alimony obligation as a reduction from the consumer's gross income
- 1026 (Regulation Z)
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
those terms are selected based on any factors that may influence a credit decision, such as debts, income
- 1026 (Regulation Z)
Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
tax return, the consumer's most recent year's tax return or P&L must be used to calculate his/her income
- 1026 (Regulation Z)
§ 1026.2 Definitions and rules of construction.
(g) of this part, an application consists of the submission of the consumer's name, the consumer's income
- 1026 (Regulation Z)
Comment for 1026.34 - Prohibited Acts or Practices in Connection With High-Cost Mortgages
A creditor may verify a consumer's income using a consumer's IRS Form W-2 (or any subsequent revisions
- 1026 (Regulation Z)
§ 1026.32 Requirements for high-cost mortgages.
credit unemployment, or credit property insurance, or any other life, accident, health, or loss-of-income
- 1026 (Regulation Z)
Comment for 1026.34 - Prohibited Acts or Practices in Connection With High-Cost Mortgages
creditor does not violate this provision if a consumer defaults because of a significant reduction in income
- 1026 (Regulation Z)
Comment for 1026.51 Ability To Pay
See commentary to § 1026.51(b)(1)(i) and (b)(2) for information on income and assets that may be
- 1026 (Regulation Z)
§ 1026.32 Requirements for high-cost mortgages.
credit unemployment, or credit property insurance, or any other life, accident, health, or loss-of-income
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
Life, accident, health, or loss-of-income insurance.
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
The creditor disregarded evidence that the consumer may have insufficient residual income to cover other
- 1026 (Regulation Z)
Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
indicate a defined expiration date within three years of loan origination, the creditor shall consider the income
- 1026 (Regulation Z)
Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
The creditor must verify that the consumer will have sufficient income or cash reserves to support the
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
Insurance is not credit life, accident, health, or loss-of-income insurance if the creditor or the credit
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
excluded from the finance charge if at least one of the events is accident or loss of life, health, or income
- 1026 (Regulation Z)
Comment for 1026.51 Ability To Pay
to make the required minimum periodic payments under the terms of an account based on the consumer's income
- 1026 (Regulation Z)
Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
A monthly subsidy may be treated as income, if a consumer is receiving subsidies under the housing choice
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
be proven that, despite meeting the standards for a qualified mortgage (including either the debt-to-income
- 1026 (Regulation Z)
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
extension that is greater than the fair market value of the property is not tax deductible for Federal income
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
determination of the consumer's repayment ability at the time of consummation, by showing that the consumer's income
- 1026 (Regulation Z)
§ 1026.4 Finance charge.
obligation or for debt cancellation or debt suspension coverage in the event of the loss of life, health, or income
- 1026 (Regulation Z)