Search regulations

Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling

and 43(c)(4)-2 for guidance on which income to consider when multiple consumers apply jointly for a loan

• • 1026 (Regulation Z)

Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling

Creditor A sells the qualified mortgage to Creditor B pursuant to § 1026.43(e)(5)(ii)(B) and the loan

• • 1026 (Regulation Z)

Comment for 1026.47 - Content of Disclosures

The maximum possible rate of interest applicable to the loan or, if the maximum rate cannot be determined

• • 1026 (Regulation Z)

Comment for Appendix D - Multiple-Advance Construction Loans

Under § 1026.17(c)(6)(ii), when a multiple-advance construction loan may be permanently financed

• • 1026 (Regulation Z)

Comment for Appendix D - Multiple-Advance Construction Loans

Consistent with comments 37(c)(2)(ii)-1 and 37(c)(2)(iii)-1, when the loan is disclosed as one transaction

• • 1026 (Regulation Z)

Comment for Appendix D - Multiple-Advance Construction Loans

On the Loan Estimate, a creditor factors construction costs into the funds for borrower calculation under

• • 1026 (Regulation Z)

Comment for Appendix H - Closed-End Forms and Clauses

The loan amount is $44,900, payable in 360 monthly installments at a simple interest rate of 14.75%.

• • 1026 (Regulation Z)

Comment for 1041.9 - Disclosure of Payment Transfer Attempts

For example, a lender originates a loan on April 1, with a payment scheduled to be withdrawn on May 1

• • 1041 (Payday Lending Rule)

Comment for 1041.5 - Ability-to-Repay Determination Required

contributions (but before deductions of any amounts for payments under a prospective covered short-term loan

• • 1041 (Payday Lending Rule)

Comment for 1003.4 - Compilation of Reportable Data

mortgage will not be paid off as part of the transaction - the financial institution may assume that the loan

• • 1003 (Regulation C)

§ 1024.41 Loss mitigation procedures.

accordance with applicable requirements established by the owner or assignee of the borrower's mortgage loan

• • 1024 (Regulation X)

§ 1026.14 Determination of annual percentage rate.

Where the finance charge imposed during the billing cycle is or includes a loan fee, points, or similar

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

than the value of the dwelling (including any real property attached to the dwelling) that secures the loan

• • 1026 (Regulation Z)

Appendix A to Part 1004 — Official Commentary on Regulation D

principal balance (a negative amortization feature) or may be applied solely to accrued interest and not to loan

• • 1004 (Regulation D)

Appendix H to Part 1026 — Closed-End Model Forms and Clauses

[If your loan were for $___________ at ___________% for (term) and the rate increased to ___________%

• • 1026 (Regulation Z)

Comment for 1026.2 - Definitions and Rules of Construction

obtain a credit report, the property address, an estimate of the value of the property, and the mortgage loan

• • 1026 (Regulation Z)

Comment for 1041.5 - Ability-to-Repay Determination Required

conclusion about whether the consumer will pay major financial obligations, make the payments on the loan

• • 1041 (Payday Lending Rule)

Comment for 1026.17 - General Disclosure Requirements

be separate from the other segregated disclosures under § 1026.18, except for private education loan

• • 1026 (Regulation Z)

Comment for 1026.17 - General Disclosure Requirements

A 30-year loan for $100,000 with no prepaid finance charges and rates determined by the Treasury bill

• • 1026 (Regulation Z)

Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions

obtain a credit report, the property address, an estimate of the value of the property, or the mortgage loan

• • 1026 (Regulation Z)

Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions

Until the Bureau issues a version of the special information booklet relating to the Loan Estimate and

• • 1026 (Regulation Z)

Comment for 1026.28 - Effect on State Laws

applicable to home equity plans; preemption determinations in this area are based on the Home Equity Loan

• • 1026 (Regulation Z)

Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)

an existing obligation already secured by the consumer's dwelling to change the rate, term, or other loan

• • 1026 (Regulation Z)

Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)

)(3) are for those services: That the creditor requires in connection with its decision to make the loan

• • 1026 (Regulation Z)

Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)

required by the real estate sales contract, if such requirement is known to the creditor when issuing the Loan

• • 1026 (Regulation Z)