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

H-24(B) Mortgage Loan Transaction Loan Estimate - Fixed Rate Loan Sample Description: This is a sample

• • 1026 (Regulation Z)

Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling

Section 1026.36(f)(3)(i) does not require the loan originator organization to obtain the covered information

• • 1026 (Regulation Z)

Comment for 1041.5 - Ability-to-Repay Determination Required

Assume that the second loan is a covered longer-term balloon-payment loan that has biweekly installment

• • 1041 (Payday Lending Rule)

Appendix L to Part 1026 — Assumed Loan Periods for Computations of Total Annual Loan Cost Rates

(1) Loan Period 1 is a two-year loan period.

• • 1026 (Regulation Z)

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

of $450, the loan is contractually due in 14 days, and the consumer repays the loan on the contractual

• • 1041 (Payday Lending Rule)

Comment for Appendix MS to Part 1024 - Mortgage Servicing Model Forms and Clauses

Use of “the mortgage loan” or “this mortgage loan” instead of “your mortgage loan” and “the monthly payments

• • 1024 (Regulation X)

Comment for 1041.2 - Definitions

A loan is generally an outstanding loan if the consumer has a legal obligation to repay the loan, even

• • 1041 (Payday Lending Rule)

§ 1024.2 Definitions.

(3) If the residential real property securing a mortgage loan is not located in a State, the loan is

• • 1024 (Regulation X)

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

(iii) The amount of the consumer's new loan amount or first user loan as disclosed pursuant to paragraph

• • 1026 (Regulation Z)

Comment for 1026.32 - Requirements for High-Cost Mortgages

Loan originator compensation - calculating loan originator compensation in connection with other charges

• • 1026 (Regulation Z)

Comment for Appendix H - Closed-End Forms and Clauses

Adding loan identification information, such as a loan identification number.

• • 1026 (Regulation Z)

Comment for 1003.4 - Compilation of Reportable Data

Covered loan amount - closed-end mortgage loan.

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

ULI - purchased covered loan.

• • 1003 (Regulation C)

Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling

and make the required determinations for an individual whom the loan originator organization hired as

• • 1026 (Regulation Z)

§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.

(iii) A “loan originator organization” is any loan originator, as defined in paragraph (a)(1)(i) of this

• • 1026 (Regulation Z)

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

(12) Loan identification number (Loan ID #).

• • 1026 (Regulation Z)

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

Loan sequence. Section 1041.2(a)(14) defines a loan sequence.

• • 1041 (Payday Lending Rule)

Comment for 1041.8 - Prohibited Payment Transfer Attempts

A transfer for the amount of the entire unpaid loan balance collected pursuant to an acceleration clause

• • 1041 (Payday Lending Rule)

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

Assume that a lender seeks to make a covered short-term loan to a consumer under § 1041.6 with a

• • 1041 (Payday Lending Rule)

§ 1024.2 Definitions.

(1) Any loan (other than temporary financing, such as a construction loan):

• • 1024 (Regulation X)

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

(o) Loan calculations. In a separate table under the heading “Loan Calculations”:

• • 1026 (Regulation Z)

§ 1041.3 Scope of coverage; exclusions; exemptions.

(1) Loan term conditions. An alternative loan must satisfy the following conditions:

• • 1041 (Payday Lending Rule)

Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling

Creditors with which loan originator regularly does business.

• • 1026 (Regulation Z)

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

H-24(C) Mortgage Loan Transaction Loan Estimate - Interest Only Adjustable Rate Loan Sample Description

• • 1026 (Regulation Z)

§ 1041.3 Scope of coverage; exclusions; exemptions.

(e) Alternative loan.

• • 1041 (Payday Lending Rule)