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

Section 1026.37(a)(4) requires disclosure of the date the creditor mails or delivers the Loan Estimate

• • 1026 (Regulation Z)

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

Assume a step-rate mortgage with an interest rate fixed at 6.5 percent for the first two years of the loan

• • 1026 (Regulation Z)

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

A loan in an amount of $200,000 has a 30-year loan term and a fixed interest rate of 7 percent.

• • 1026 (Regulation Z)

Comment for 1026.47 - Content of Disclosures

Rates applicable to the loan.

• • 1026 (Regulation Z)

Comment for Appendix D - Multiple-Advance Construction Loans

In a multiple-advance construction loan, a creditor may establish an “interest reserve” to ensure that

• • 1026 (Regulation Z)

Comment for 1003.3 - Exempt Institutions and Excluded and Partially Exempt Transactions

Lender A extends credit in the form of a bridge or swing loan to finance a borrower's down payment on

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

If a financial institution made the credit decision on a covered loan or application through the actions

• • 1003 (Regulation C)

§ 1041.3 Scope of coverage; exclusions; exemptions.

Prior to making an alternative loan under this paragraph (e), the lender must determine from its records

• • 1041 (Payday Lending Rule)

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

1026.36(d)(2)(i)(B) provides that compensation received directly from a consumer includes payments to a loan

• • 1026 (Regulation Z)

§ 1024.35 Error resolution procedures.

(11) Any other error relating to the servicing of a borrower's mortgage loan.

• • 1024 (Regulation X)

§ 1016.3 Definitions.

(C) Is a nonmember who has a loan that the credit union services;

• • 1016 (Regulation P)

§ 1026.18 Content of disclosures.

(1) Determining the principal loan amount or the cash price (subtracting any downpayment);

• • 1026 (Regulation Z)

§ 1026.19 Certain mortgage and variable-rate transactions.

(2) For any charge based on the loan amount or property value; or

• • 1026 (Regulation Z)

§ 1026.20 Disclosure requirements regarding post-consummation events.

(C) The loan balance expected on the date of the interest rate adjustment;

• • 1026 (Regulation Z)

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

(i) A loan has an annual percentage rate that cannot increase after consummation;

• • 1026 (Regulation Z)

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

The title of the form, “Loan Estimate,” using that term.

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(B) An interest-only loan, as defined in § 1026.18(s)(7)(iv), using:

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(C) A negative amortization loan, as defined in § 1026.18(s)(7)(v), using:

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(B) An interest-only loan, as defined in § 1026.18(s)(7)(iv); or

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(C) Is not a higher-priced mortgage loan, as defined in § 1026.35(a).

• • 1026 (Regulation Z)

§ 1026.47 Content of disclosures.

(ii) Whether the interest rates applicable to the loan are fixed or variable.

• • 1026 (Regulation Z)

§ 1007.103 Registration of mortgage loan originators.

(i) In connection with the registration of one or more mortgage loan originators:

• • 1007 (Regulation G)

§ 1008.301 Scope of this subpart.

(a) Provide uniform license applications and reporting requirements for state-licensed loan originators

• • 1008 (Regulation H)

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

(vi) Making an underwriting decision about whether the consumer qualifies for a loan;

• • 1007 (Regulation G)

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

(i) An individual “takes a residential mortgage loan application” even if the individual:

• • 1008 (Regulation H)