Appendix J to Part 1026 — Annual Percentage Rate Computations for Closed-End Credit Transactions
unit-period (or fractional unit-period) the unpaid balance of the amount financed is increased by the finance
- 1026 (Regulation Z)
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§ 1026.10 Payments.
following the date on which such change took effect, the card issuer may not impose any late fee or finance
- 1026 (Regulation Z)
§ 1026.28 Effect on state laws.
Bureau determines that a disclosure required by state law (other than a requirement relating to the finance
- 1026 (Regulation Z)
§ 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
If a card issuer promotes the waiver or rebate of finance charges due to a periodic interest rate or
- 1026 (Regulation Z)
Appendix G to Part 1026 — Open-End Model Forms and Clauses
We figure the interest charge on your account by applying the periodic rate to the “average daily balance
- 1026 (Regulation Z)
Comment for 1026.10 - Payments
Relying on the safe harbor, the card issuer elects not to impose a late fee or finance charge for the
- 1026 (Regulation Z)
Comment for 1026.10 - Payments
In these circumstances, a card issuer may not impose any late fee or finance charge during the 60-day
- 1026 (Regulation Z)
Comment for 1026.11 - Treatment of Credit Balances; Account Termination
Section 1026.11(c)(3) does not prohibit a card issuer from imposing fees and finance charges due to a
- 1026 (Regulation Z)
Comment for 1026.28 - Effect on State Laws
Since the rule stated in § 1026.28(b) does not extend to any requirement relating to the finance
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
Nothing in § 1026.55 prohibits a card issuer from waiving or rebating finance charges due to a periodic
- 1026 (Regulation Z)
§ 1026.15 Right of rescission.
provided to satisfy the requirements in § 1026.6 with regard to the method of determining the finance
- 1026 (Regulation Z)
§ 1026.6 Account-opening disclosures.
Each periodic rate that may be used to compute the finance charge on an outstanding balance for purchases
- 1026 (Regulation Z)
§ 1026.6 Account-opening disclosures.
computation method listed in § 1026.60(g) that is used to determine the balance on which the finance
- 1026 (Regulation Z)
§ 1026.9 Subsequent disclosure requirements.
period is given within which any credit extended by use of the checks may be repaid without incurring a finance
- 1026 (Regulation Z)
§ 1026.9 Subsequent disclosure requirements.
(A) When the change involves charges for documentary evidence; a reduction of any component of a finance
- 1026 (Regulation Z)
Appendix G to Part 1026 — Open-End Model Forms and Clauses
We figure the interest charge on your account by applying the periodic rate to the “average daily balance
- 1026 (Regulation Z)
Comment for 1026.2 - Definitions and Rules of Construction
contains the rules on whether the cost of credit life, disability or property insurance is part of the finance
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
The creditor's failure to pay interest on the $6,000 does not result in an additional finance charge
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
imposed on the asset feature of the prepaid account with a covered separate credit feature is not a finance
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
Sums must be actually paid to public officials to be excluded from the finance charge under § 1026.4
- 1026 (Regulation Z)
Comment for 1026.7 - Periodic Statement
rates imposed for the time that those rates were in effect, as long as the creditor explains that the finance
- 1026 (Regulation Z)
Comment for 1026.16 - Advertising
Statements such as “Charge it - you won't be billed until May” or “You may skip your January payment”
- 1026 (Regulation Z)
Comment for 1026.30 - Limitation on Rates
plan, in the case of open-end credit) as a result of an increase in the interest rate component of the finance
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
The $3,000 mortgage broker fee is included in the finance charge under § 1026.4(a)(3).
- 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)