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§ 1026.39 Mortgage transfer disclosures.

person” means any person, as defined in § 1026.2(a)(22), that becomes the owner of an existing mortgage

• • 1026 (Regulation Z)

Appendix A to Part 1004 — Official Commentary on Regulation D

For example, a fixed-rate mortgage loan with a 30-year amortization period but a balloon payment due

• • 1004 (Regulation D)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

in § 1026.43 as a “covered transaction” (defined in § 1026.43(b)(1)) and (2) a qualified mortgage

• • 1026 (Regulation Z)

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

Fixed-rate mortgage.

• • 1026 (Regulation Z)

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

Creditors generally must hold a loan in portfolio to maintain the transaction's status as a qualified mortgage

• • 1026 (Regulation Z)

Appendix A: Comment for 1004.2 Definitions

For example, a fixed-rate mortgage loan with a 30-year amortization period but a balloon payment due

• • 1004 (Regulation D)

Comment for 1003.3 - Exempt Institutions and Excluded and Partially Exempt Transactions

credit union that, in each of the two preceding calendar years, originated fewer than 500 closed-end mortgage

• • 1003 (Regulation C)

§ 1024.6 Special information booklet at time of loan application.

(iv) Any other federally related mortgage loan whose purpose is not the purchase of a 1- to 4-family

• • 1024 (Regulation X)

§ 1024.31 Definitions.

) Provides sufficient detail to the servicer regarding information relating to the servicing of the mortgage

• • 1024 (Regulation X)

§ 1008.23 Definitions.

distribution, and analysis of information common for the processing or underwriting of a residential mortgage

• • 1008 (Regulation H)

§ 1026.41 Periodic statements for residential mortgage loans.

statement identifying the consumer's status as a debtor in bankruptcy or the discharged status of the mortgage

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(B) Is a qualified mortgage under paragraph (e)(2), (e)(4), (e)(5), (e)(6), or (f) of this section; and

• • 1026 (Regulation Z)

§ 1007.104 Policies and procedures.

for identifying which employees of the covered financial institution are required to be registered mortgage

• • 1007 (Regulation G)

Comment for 1026.4 - Finance Charge

Appraisal fees mentioned in § 1026.4(b)(4) are excluded for real property or residential mortgage

• • 1026 (Regulation Z)

§ 1003.2 Definitions.

(2) Nondepository financial institution means a for-profit mortgage-lending institution (other than a

• • 1003 (Regulation C)

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

Section 1026.37(k) requires the disclosure of an Nationwide Mortgage Licensing System and Registry (NMLSR

• • 1026 (Regulation Z)

Comment for 1003.3 - Exempt Institutions and Excluded and Partially Exempt Transactions

Assume two institutions that are eligible for the partial exemption for closed-end mortgage loans merge

• • 1003 (Regulation C)

§ 1024.39 Early intervention requirements for certain borrowers.

paragraph (b) of this section if no loss mitigation option is available, or if any borrower on the mortgage

• • 1024 (Regulation X)

§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).

“Contact Information,” the following information for each creditor (under the subheading “Lender”), mortgage

• • 1026 (Regulation Z)

Comment for 1026.32 - Requirements for High-Cost Mortgages

Certain mortgage and credit insurance premiums.

• • 1026 (Regulation Z)

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

the term “homeowner's insurance” means the amounts identified in § 1026.4(b)(8); and the term “mortgage

• • 1026 (Regulation Z)

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

Assume a fixed-rate mortgage with an interest rate at consummation of 7 percent that is fixed for the

• • 1026 (Regulation Z)

§ 1024.17 Escrow accounts.

(i) The amount of the borrower's current monthly mortgage payment and the portion of the monthly payment

• • 1024 (Regulation X)

§ 1024.35 Error resolution procedures.

(8) Failure to transfer accurately and timely information relating to the servicing of a borrower's mortgage

• • 1024 (Regulation X)

§ 1024.38 General servicing policies, procedures, and requirements.

regarding loss mitigation options available to a borrower from the owner or assignee of the borrower's mortgage

• • 1024 (Regulation X)