§ 1026.4 Finance charge.
(i) Requires the use of a third party as a condition of or an incident to the extension of credit, even
- 1026 (Regulation Z)
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(i) Requires the use of a third party as a condition of or an incident to the extension of credit, even
) A toll-free telephone number where the consumer may obtain from the card issuer information about credit
After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation
paragraph (b)(6)(ii) of this section, that may be charged or collected under the terms of the open-end credit
(3) The extension of credit is to a consumer with income that does not exceed the household limit specified
(iv) Notification regarding any credit card agreement previously submitted to the Bureau that the issuer
provide the disclosures required under this section on or with a solicitation or an application to open a credit
the asset account is also tied to an overdraft line or if the instrument directly accesses a line of credit
If credit is extended to acquire, improve, or maintain rental property that is or will be owner-occupied
club membership, or policy of insurance against latent defects offered to or required of both cash and credit
Premiums for credit life insurance, shown as an example of a finance charge under § 1026.4(b)(7)
Fee or charges related to credit offered in connection with prepaid accounts as defined in § 1026.61
A tax imposed on the credit transaction by a state or other governmental body, such as a documentary
Transactions that settle even though they were not authorized in advance where credit is extended through
cycles in which the consumer paid the entire balance in full, had a zero outstanding balance or had a credit
(i) The interest on the portion of the credit extension that is greater than the fair market value of
(1) The interest on the portion of the credit extension that is greater than the fair market value of
C) For any guaranty or insurance that protects the creditor against the consumer's default or other credit
C) For any guaranty or insurance that protects the creditor against the consumer's default or other credit
(ii) A copy of any college credit card agreement to which the card issuer was a party that was in effect
to a merchant or to a lender, whether or not the consumer signs a separate promissory note for each credit
If a creditor requires the request for reinstatement of credit privileges to be in writing, the notice
In contrast, credit obligations in which there is no contractual right to increase the interest rate
general explanations, information, or descriptions in response to consumer queries, such as explaining credit
Examples of prepayment penalties; open-end credit.