Comment for 1026.46 - Special Disclosure Requirements for Private Education Loans
46(b)(5) Private Education Loan
- 1026 (Regulation Z)
Search for terms in the sections, interpretations, and appendices in the Bureau regulations we currently have online.
46(b)(5) Private Education Loan
Line of credit: Initial Loan Charges
A covered transaction with a loan amount of $105,000 falls into the first points and fees tier, to which
A covered transaction with a loan amount of $50,000 falls into the third points and fees tier, to which
A covered transaction with a loan amount of $10,000 falls into the fifth points and fees tier, to which
If the loan is an interest-only loan, for each interest rate disclosed under paragraph (s)(2)(i) of this
(D) The length of the remaining loan term expected on the date of the interest rate adjustment and any
Period during middle of loan term.
statement under the heading “Other Considerations” required by paragraph (m) of this section, labeled “Loan
H-24(A) Mortgage Loan Transaction Loan Estimate - Model Form Description: This is a blank model Loan
H-28(C) Mortgage Loan Transaction Loan Estimate - Spanish Language Refinance Sample Description: This
If, however, a representative value may be given for a loan feature or the feature need not be disclosed
Where a creditor documents a loan as open-end credit but the features and terms, or other circumstances
A loan in the amount of $200,000 has a 30-year loan term.
(D) The length of the remaining loan term expected on the date of the interest rate adjustment and any
[H-24(F) Mortgage Loan Transaction Loan Estimate - Negative Amortization Sample Description: This is
In calculating the total annual loan cost rates in accordance with appendix K of this part, creditors
The disclosure form must state the initial and maximum interest rates and payments for a $10,000 loan
The definition of “loan originator” does not include a person that performs only real estate brokerage
Non-standard mortgage loan made in accordance with ability-to-repay or qualified mortgage requirements
third business day after the creditor receives the consumer's application for a higher-priced mortgage loan
(ii) If the creditor changes the rate or terms of the loan under this paragraph (c)(4), the creditor
that is not directly or indirectly based on the terms of multiple transactions by multiple individual loan
Where a loan with a balloon payment is a higher-priced covered transaction, the creditor must determine
Loan originator compensation - attributable to a particular transaction.