Comment for 1026.3 - Exempt Transactions
A loan to expand a business, even if it is secured by the borrower's residence or personal property.
- 1026 (Regulation Z)
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Comment for 1026.18 - Content of Disclosures
Funds deposited with the creditor to be disbursed (for example, for construction) before the loan proceeds
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
The term “loan originator” does not include consumers who obtain extensions of consumer credit on their
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
The definition of loan originator does not include persons who:
- 1026 (Regulation Z)
Comment for 1026.39 - Mortgage Transfer Disclosures
The date on which the credit was extended and the original amount of the loan or credit line.
- 1026 (Regulation Z)
Comment for 1026.15 - Right of Rescission
current principal dwelling is subject to the right of rescission regardless of the purpose of that loan
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
If the principal loan amount reflects finance charges that meet the definition of a prepaid finance charge
- 1026 (Regulation Z)
Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions
be required to pay the average appraisal charge unless an appraisal was required on that particular loan
- 1026 (Regulation Z)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
activity does not, the creditor satisfies this condition for exemption for a higher-priced mortgage loan
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Section 1026.36(f)(1) requires a loan originator organization to comply with applicable State law requirements
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
A loan allows the deferral of principal repayment if one or more of the periodic payments may be applied
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
The transaction will meet the definition of a qualified mortgage if the creditor underwrites the loan
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Thus, the awarding of stock, stock options, or equity interests to loan originators is subject to the
- 1026 (Regulation Z)
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
broker, as defined in section 1026.36(a)(2), may not recommend or encourage default on an existing loan
- 1026 (Regulation Z)
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(C) The loan with the lowest total dollar amount of discount points, origination points or origination
- 1026 (Regulation Z)
Appendix H to Part 1026 — Closed-End Model Forms and Clauses
H-25(D) Mortgage Loan Transaction Closing Disclosure - Borrower Satisfaction of Seller's Second-Lien
- 1026 (Regulation Z)
Comment for 1026.3 - Exempt Transactions
A closed-end loan is exempt under § 1026.3(b) (unless the extension of credit is secured by real
- 1026 (Regulation Z)
Comment for 1026.17 - General Disclosure Requirements
A statement that a due-on-sale clause or other conditions on assumption are contained in the loan document
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
For purposes of § 1026.32(b)(2)(i)(D), the term loan originator means a loan originator as that
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
A creditor may terminate a loan or open-end credit agreement and accelerate the balance if the consumer's
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Compensation does not include amounts the loan originator receives as payment for bona fide and reasonable
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
If an item required by paragraph (d) or (e) of this section is not applicable to the loan, it may be
- 1026 (Regulation Z)
Comment for 1026.42 - Valuation Independence
For example, a loan originator may not coerce a loan underwriter to alter an appraisal report to increase
- 1026 (Regulation Z)
Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
sufficient income or cash reserves to support the mortgage payment and any other obligations between loan
- 1026 (Regulation Z)
Comment for 1026.1 - Authority, Purpose, Coverage, Organization, Enforcement and Liability
Assume a creditor receives an application on October 10, 2010, and that the loan was consummated on November
- 1026 (Regulation Z)