Search regulations

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 1003.4 - Compilation of Reportable Data

(a)(33)(ii) requires financial institutions to report whether the obligation arising from a covered loan

• • 1003 (Regulation C)

Comment for 1041.10 - Furnishing Information to Registered Information Systems

Section 1041.10(c)(2) requires that, during the period that the loan is an outstanding loan, a lender

• • 1041 (Payday Lending Rule)

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)

§ 1024.2 Definitions.

borrower's monthly income, the property address, an estimate of the value of the property, the mortgage loan

• • 1024 (Regulation X)

§ 1024.31 Definitions.

Delinquency means a period of time during which a borrower and a borrower's mortgage loan obligation

• • 1024 (Regulation X)

§ 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)

§ 1003.3 Exempt institutions and excluded and partially exempt transactions.

institution reports the street address, city name, or Zip Code for the property securing a covered loan

• • 1003 (Regulation C)

§ 1041.3 Scope of coverage; exclusions; exemptions.

multiple advances to consumers, the consumer is required to repay substantially the entire balance of the loan

• • 1041 (Payday Lending Rule)

Comment for 1002.2 - Definitions

A person asks a financial institution to “preapprove” her for a loan (for example, to finance a house

• • 1002 (Regulation B)

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)

Comment for 1041.6 - Conditional Exemption for Certain Covered Short-Term Loans

Section 1041.6(c)(3)(i) provides that a lender cannot make a covered-short term loan under § 1041.6

• • 1041 (Payday Lending Rule)

Comment for 1026.17 - General Disclosure Requirements

transactions, usually loans, involve the creditor's wrapping the outstanding balance on an existing loan

• • 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 a loan originator's or creditor's employee who provides

• • 1026 (Regulation Z)

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

Section 1026.36(f) does not affect which loan originators must comply with State and Federal licensing

• • 1026 (Regulation Z)