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Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income

Cannot be used to offset the mortgage payment directly, even if the employer pays the servicing creditor

• • 1026 (Regulation Z)

§ 1003.3 Exempt institutions and excluded and partially exempt transactions.

(2) A closed-end mortgage loan or open-end line of credit secured by a lien on unimproved land;

• • 1003 (Regulation C)

§ 1003.3 Exempt institutions and excluded and partially exempt transactions.

(5) The purchase solely of the right to service closed-end mortgage loans or open-end lines of credit

• • 1003 (Regulation C)

§ 1003.3 Exempt institutions and excluded and partially exempt transactions.

(8) The purchase of a partial interest in a closed-end mortgage loan or open-end line of credit;

• • 1003 (Regulation C)

Appendix B to Part 1024 — Illustrations of Requirements of RESPA

Facts: A, a “mortgage originator,” receives loan applications, funds the loans with its own money or

• • 1024 (Regulation X)

§ 1008.1 Purpose.

directing states to adopt minimum uniform standards for the licensing and registration of residential mortgage

• • 1008 (Regulation H)

§ 1026.35 Requirements for higher-priced mortgage loans.

than the third business day after the creditor receives the consumer's application for a higher-priced mortgage

• • 1026 (Regulation Z)

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

Under § 1026.43(e)(2)(i), a qualified mortgage must provide for regular periodic payments that may

• • 1026 (Regulation Z)

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

A qualified mortgage under § 1026.43(e)(5) retains its qualified mortgage status if it is sold,

• • 1026 (Regulation Z)

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

A balloon-payment qualified mortgage under § 1026.43(f)(1) retains its qualified mortgage status

• • 1026 (Regulation Z)

§ 1024.31 Definitions.

Delinquency means a period of time during which a borrower and a borrower's mortgage loan obligation

• • 1024 (Regulation X)

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

A creditor or mortgage broker, as defined in section 1026.36(a)(2), may not recommend or encourage default

• • 1026 (Regulation Z)

Appendix C to Part 1008 - Independent Contractors and Loan Processor and Underwriter Activities That Require a State Mortgage Loan Originator License

(2) Performs only clerical or support duties as an employee of a mortgage lender or mortgage brokerage

• • 1008 (Regulation H)

Comment for 1026.39 - Mortgage Transfer Disclosures

1026.39(e) provides that covered persons may, at their option, include additional information about the mortgage

• • 1026 (Regulation Z)

Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income

Creditors may treat this subsidy as an “offset” to the monthly mortgage payment (that is, reduce the

• • 1026 (Regulation Z)

§ 1003.3 Exempt institutions and excluded and partially exempt transactions.

(10) A closed-end mortgage loan or open-end line of credit that is or will be made primarily for a business

• • 1003 (Regulation C)

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

Special rule regarding disclosure of the automatic termination of mortgage insurance.

• • 1026 (Regulation Z)

Comment for 1002.14 - Rules on Providing Appraisals and Valuations

Publicly-available lists of valuations (such as published sales prices or mortgage amounts, tax assessments

• • 1002 (Regulation B)

Comment for 1024.36 - Requests for Information

actions relating to servicer personnel, including personnel responsible for servicing a borrower's mortgage

• • 1024 (Regulation X)

§ 1026.32 Requirements for high-cost mortgages.

(A) A mortgage transaction with a payment schedule that is adjusted to the seasonal or irregular income

• • 1026 (Regulation Z)

Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans

bankruptcy case is dismissed or closed without the consumer having discharged personal liability for the mortgage

• • 1026 (Regulation Z)

Comment for Appendix H - Closed-End Forms and Clauses

Model H-4(K) illustrates the no-guarantee-to-refinance statement required by § 1026.18(t) for a mortgage

• • 1026 (Regulation Z)

§ 1003.3 Exempt institutions and excluded and partially exempt transactions.

(4) The purchase of an interest in a pool of closed-end mortgage loans or open-end lines of credit;

• • 1003 (Regulation C)

§ 1004.4 Requirements for alternative mortgage transactions.

(2) If an alternative mortgage transaction is subject to 12 CFR 226.35, the creditor must comply with

• • 1004 (Regulation D)

§ 1024.2 Definitions.

For loans originated by a mortgage broker that closes a federally related mortgage loan in its own name

• • 1024 (Regulation X)