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

H-4(F) Adjustable-Rate Mortgage or Step-Rate Mortgage Interest Rate and Payment Summary Model Clause

• • 1026 (Regulation Z)

Comment for 1026.20 Disclosure Requirements Regarding Post-Consummation Events

Existing residential mortgage transaction.

• • 1026 (Regulation Z)

§ 1024.2 Definitions.

(C) Is intended to be sold by the originating lender to the Federal National Mortgage Association, the

• • 1024 (Regulation X)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(2) Post-consummation transfer of balloon-payment qualified mortgage.

• • 1026 (Regulation Z)

Comment for 1026.34 - Prohibited Acts or Practices in Connection With High-Cost Mortgages

Mortgage-related obligations.

• • 1026 (Regulation Z)

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

Assume that a consumer will be required to pay mortgage insurance premiums, as described in comment 43

• • 1026 (Regulation Z)

§ 1007.102 Definitions.

) Examples of activities that would, and would not, result in an employee meeting the definition of mortgage

• • 1007 (Regulation G)

Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans

Use “The payments on this mortgage are late” instead of “You are late on your mortgage payments.”

• • 1026 (Regulation Z)

Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans

Mortgage loans not considered in determining whether a nonprofit entity is a small servicer.

• • 1026 (Regulation Z)

§ 1008.301 Scope of this subpart.

(i) Facilitate responsible behavior in the mortgage marketplace and provide comprehensive training and

• • 1008 (Regulation H)

§ 1003.4 Compilation of reportable data.

(i) For a closed-end mortgage loan, other than a purchased loan, an assumption, or a reverse mortgage

• • 1003 (Regulation C)

Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans

A bank holding company, through a lender subsidiary, owns or originated 4,000 mortgage loans.

• • 1026 (Regulation Z)

§ 1003.3 Exempt institutions and excluded and partially exempt transactions.

(11) A closed-end mortgage loan, if the financial institution originated fewer than 25 closed-end mortgage

• • 1003 (Regulation C)

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

(vi) Mortgage insurance case number.

• • 1026 (Regulation Z)

§ 1007.102 Definitions.

broker in accordance with applicable state law, unless the individual is compensated by a lender, a mortgage

• • 1007 (Regulation G)

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

“Mortgage insurance or any functional equivalent” means the amounts identified in § 1026.4(b)(5)

• • 1026 (Regulation Z)

Comment for 1003.4 - Compilation of Reportable Data

Type of purchaser - mortgage company.

• • 1003 (Regulation C)

§ 1024.38 General servicing policies, procedures, and requirements.

(iv) Provide owners or assignees of mortgage loans with accurate and current information and documents

• • 1024 (Regulation X)

Appendix K to Part 1026 — Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

Mortgage insurance:

• • 1026 (Regulation Z)

Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans

A servicer services 3,000 mortgage loans, all of which it or an affiliate owns or originated.

• • 1026 (Regulation Z)

Appendix A to Part 1004 — Official Commentary on Regulation D

Examples of transactions that are not alternative mortgage transactions.

• • 1004 (Regulation D)

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

Exemption From Contingent Liability Policy on Mortgage Assumptions.

• • 1026 (Regulation Z)

Appendix A: Comment for 1004.2 Definitions

Examples of transactions that are not alternative mortgage transactions.

• • 1004 (Regulation D)

Comment for 1024.35 - Error Resolution Procedures

Assertions of errors regarding substantially all aspects of a mortgage loan, including errors relating

• • 1024 (Regulation X)

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

Mortgage-related obligations.

• • 1026 (Regulation Z)