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

Reasonable reliance by individual loan originator on accounting or statement by person paying compensation

• • 1026 (Regulation Z)

Comment for 1026.39 - Mortgage Transfer Disclosures

The original creditor transfers all of its interest in the loan to covered person A.

• • 1026 (Regulation Z)

Comment for 1003.2 - Definitions

A closed-end mortgage loan or an open-end line of credit may be used for multiple purposes.

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

Financial Institution A received an application for a covered loan from an applicant and forwarded that

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

1003.4(f) requires a financial institution to record the data collected pursuant to § 1003.4 on a loan

• • 1003 (Regulation C)

Comment for 1041.3 - Scope of Coverage; Exclusions; Exemptions

)(1)(iv), payments are substantially equal in amount if the amount of each scheduled payment on the loan

• • 1041 (Payday Lending Rule)

§ 1024.33 Mortgage servicing transfers.

During the 60-day period beginning on the effective date of transfer of the servicing of any mortgage loan

• • 1024 (Regulation X)

§ 1026.32 Requirements for high-cost mortgages.

this section, as applicable, incurred by the consumer if the consumer refinances the existing mortgage loan

• • 1026 (Regulation Z)

§ 1026.41 Periodic statements for residential mortgage loans.

While any consumer on a mortgage loan is a debtor in bankruptcy under title 11 of the United States Code

• • 1026 (Regulation Z)

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

H-28(A) Mortgage Loan Transaction Loan Estimate - Spanish Language Model Form Description: This is a

• • 1026 (Regulation Z)

Comment for 1026.4 - Finance Charge

The creditor charges the consumer an interest rate of 6% on the loan and stops paying interest on $5,000

• • 1026 (Regulation Z)

Comment for 1026.17 - General Disclosure Requirements

payment-escalated mortgages, these mortgage plans involve scheduled payment increases to prematurely amortize the loan

• • 1026 (Regulation Z)

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

A “loan originator organization” is a loan originator other than a natural person.

• • 1026 (Regulation Z)

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

Thus, § 1026.36(e)(1) does not address the actions of a loan originator if the consumer does not

• • 1026 (Regulation Z)

Comment for 1026.39 - Mortgage Transfer Disclosures

The original creditor transfers fifty percent of its interest in the loan to covered person A.

• • 1026 (Regulation Z)

§ 1003.4 Compilation of reportable data.

A financial institution shall record the data collected pursuant to this section on a loan/application

• • 1003 (Regulation C)

Comment for 1003.2 - Definitions

Section 1003.2(d) defines a closed-end mortgage loan as an extension of credit that is secured by a lien

• • 1003 (Regulation C)

Comment for 1041.2 - Definitions

Any loan to a consumer primarily for personal, family, or household purposes, whether or not the loan

• • 1041 (Payday Lending Rule)

§ 1024.2 Definitions.

Provision of services involving mortgage life, disability, or similar insurance designed to pay a mortgage loan

• • 1024 (Regulation X)

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

If the loan product is not an Adjustable Rate or a Step Rate, as described in paragraphs (a)(10)(i)(A

• • 1026 (Regulation Z)

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

Under the master heading, “Additional Information About This Loan” required by paragraph (k) of this

• • 1026 (Regulation Z)

Appendix A to Part 1007 - Examples of Mortgage Loan Originator Activities

(iii) Collecting information about a consumer in order to provide the consumer with information on loan

• • 1007 (Regulation G)

Appendix A to Part 1008 - Examples of Mortgage Loan Originator Activities

provides financing to a purchaser of a dwelling owned by that seller in which the offer and negotiation of loan

• • 1008 (Regulation H)

Comment for 1041.5 - Ability-to-Repay Determination Required

1041.5(b), a lender's determination that a consumer will have the ability to repay a covered short-term loan

• • 1041 (Payday Lending Rule)

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

In transactions with a scheduled loan term of less than 60 months, to comply with § 1026.37(l)(1

• • 1026 (Regulation Z)