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

Section 1026.37(a)(9)(iii) requires the creditor to disclose that the loan is for construction in transactions

• • 1026 (Regulation Z)

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

First, the creditor must determine the “tier” into which the loan falls based on the loan amount.

• • 1026 (Regulation Z)

Comment for 1041.8 - Prohibited Payment Transfer Attempts

Application to bona fide subsequent loan.

• • 1041 (Payday Lending Rule)

Comment for 1041.5 - Ability-to-Repay Determination Required

To be reasonable, a lender's determination of a consumer's ability to repay a covered short-term loan

• • 1041 (Payday Lending Rule)

§ 1041.2 Definitions.

(5) Consummation means the time that a consumer becomes contractually obligated on a new loan or a modification

• • 1041 (Payday Lending Rule)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(ii) A temporary or “bridge” loan with a term of 12 months or less, such as a loan to finance the purchase

• • 1026 (Regulation Z)

Comment for 1003.4 - Compilation of Reportable Data

Transactions for which a combined loan-to-value ratio was one of multiple factors.

• • 1003 (Regulation C)

Comment for 1041.8 - Prohibited Payment Transfer Attempts

Assume that a consumer has two covered loans, Loan A and Loan B, with a lender.

• • 1041 (Payday Lending Rule)

§ 1026.35 Requirements for higher-priced mortgage loans.

(B) In the case of a loan that is not consummated, no later than 30 days after the creditor determines

• • 1026 (Regulation Z)

§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).

If the loan is not guaranteed or insured by a Federal or State government agency, the creditor shall

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(3) For a negative amortization loan under paragraph (d)(1)(i)(C) of this section, the maximum loan amount

• • 1026 (Regulation Z)

§ 1007.103 Registration of mortgage loan originators.

(2) A registered mortgage loan originator must maintain his or her registration, unless the individual

• • 1007 (Regulation G)

Appendix A to Part 1007 - Examples of Mortgage Loan Originator Activities

(D) Only the rate approved by the covered financial institution's loan approval mechanism function for

• • 1007 (Regulation G)

Appendix A to Part 1007 - Examples of Mortgage Loan Originator Activities

(v) Providing a consumer with information unrelated to loan terms, such as the best days of the month

• • 1007 (Regulation G)

§ 1003.4 Compilation of reportable data.

(9) The following information about the location of the property securing the covered loan or, in the

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

Covered loan amount - application approved but not accepted or preapproval request approved but not accepted

• • 1003 (Regulation C)

§ 1024.2 Definitions.

Federally related mortgage loan means:

• • 1024 (Regulation X)

Appendix C to Part 1024 — Instructions for Completing Good Faith Estimate (GFE) Form

(i) The initial loan amount;

• • 1024 (Regulation X)

Appendix C to Part 1024 — Instructions for Completing Good Faith Estimate (GFE) Form

(ii) The loan term; and

• • 1024 (Regulation X)

§ 1026.32 Requirements for high-cost mortgages.

(4) Total loan amount —

• • 1026 (Regulation Z)

§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.

(5) Pre-loan counseling —

• • 1026 (Regulation Z)

§ 1026.39 Mortgage transfer disclosures.

(2) A “mortgage loan” means:

• • 1026 (Regulation Z)

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

H-2—Loan Model Form

• • 1026 (Regulation Z)

Comment for 1026.3 - Exempt Transactions

3(f) Student Loan Programs

• • 1026 (Regulation Z)

Comment for 1041.6 - Conditional Exemption for Certain Covered Short-Term Loans

6(b) Loan Term Requirements

• • 1041 (Payday Lending Rule)