Comment for 1026.4 - Finance Charge
4(c) Charges Excluded From the Finance Charge
- 1026 (Regulation Z)
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Comment for 1026.24 - Advertising
24(c) Advertisement of Rate of Finance Charge
- 1026 (Regulation Z)
§ 1026.9 Subsequent disclosure requirements.
(1) Any person, other than the card issuer, who imposes a finance charge at the time of honoring a consumer's
- 1026 (Regulation Z)
Comment for 1026.7 - Periodic Statement
7(a)(5) Balance on Which Finance Charge Computed
- 1026 (Regulation Z)
Comment for 1026.7 - Periodic Statement
7(b)(5) Balance on Which Finance Charge Computed
- 1026 (Regulation Z)
Comment for 1026.9 - Subsequent Disclosure Requirements
9(d) Finance Charge Imposed at Time of Transaction
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
The creditor must disclose the finance charge as a dollar amount, using the term finance charge, and
- 1026 (Regulation Z)
Comment for 1026.22 - Determination of Annual Percentage Rate
If a creditor improperly omits a $75 fee from the finance charge on a regular transaction, the understated
- 1026 (Regulation Z)
Comment for 1026.28 - Effect on State Laws
Sections 520.07(2)(g), 520.34(2)(g), and 520.35(2)(d) - Disclosure of finance charge and a description
- 1026 (Regulation Z)
Comment for 1026.7 - Periodic Statement
Itemization - types of finance charges.
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
If the charge in a credit transaction exceeds the charge imposed in a comparable cash transaction, only
- 1026 (Regulation Z)
§ 1026.22 Determination of annual percentage rate.
(i) The rate results from the disclosed finance charge; and
- 1026 (Regulation Z)
Comment for 1026.2 - Definitions and Rules of Construction
Section 1026.4(c)(7) - exclusions from the finance charge.
- 1026 (Regulation Z)
Comment for 1026.5 - General Disclosure Requirements
Pluralizing required terminology (“finance charge” and “annual percentage rate”).
- 1026 (Regulation Z)
Comment for 1026.7 - Periodic Statement
7(a)(6) Amount of Finance Charge and Other Charges
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
A minimum finance charge in a simple interest transaction.
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
A minimum finance charge in a simple interest transaction.
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
A minimum finance charge in a simple interest transaction.
- 1026 (Regulation Z)
§ 1026.16 Advertising.
(i) Any minimum, fixed, transaction, activity or similar charge that is a finance charge under §
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
In addition, a tax is not a finance charge if it is excluded from the finance charge by another provision
- 1026 (Regulation Z)
Comment for 1026.16 - Advertising
Small monthly service charge on the remaining balance, which describes how the amount of a finance charge
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
The repayment schedule should reflect all components of the finance charge, not merely the portion attributable
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
Assume that loan costs that are designated borrower-paid at or before closing and that are part of the finance
- 1026 (Regulation Z)
§ 1026.14 Determination of annual percentage rate.
(2) Minimum or fixed charge, but not transaction charge, imposed.
- 1026 (Regulation Z)
§ 1026.2 Definitions and rules of construction.
(iii) Charge card means a credit card on an account for which no periodic rate is used to compute a finance
- 1026 (Regulation Z)