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§ 1003.1 Authority, purpose, and scope.

This part implements the Home Mortgage Disclosure Act, which is intended to provide the public with loan

• • 1003 (Regulation C)

§ 1003.3 Exempt institutions and excluded and partially exempt transactions.

(iv) Partially exempt transaction means a covered loan or application that is partially exempt under

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

See comment 4(a)-5 regarding reporting requirements when a covered loan is repurchased by the originating

• • 1003 (Regulation C)

§ 1041.9 Disclosure of payment transfer attempts.

A statement that the lender, identified by name, is no longer permitted to withdraw loan payments from

• • 1041 (Payday Lending Rule)

Comment for 1041.8 - Prohibited Payment Transfer Attempts

The lender seeks repayment of a covered loan pursuant to a valid court order authorizing the lender to

• • 1041 (Payday Lending Rule)

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

Loan or line of credit used primarily for agricultural purposes.

• • 1003 (Regulation C)

§ 1024.2 Definitions.

scheduled periodic payments from a borrower pursuant to the terms of any federally related mortgage loan

• • 1024 (Regulation X)

§ 1024.7 Good faith estimate.

A loan originator that violates the requirements of this section shall be deemed to have violated section

• • 1024 (Regulation X)

§ 1024.5 Coverage of RESPA.

A bona fide transfer of a loan obligation in the secondary market is not covered by RESPA and this part

• • 1024 (Regulation X)

Comment for 1026.25 - Record Retention

For example, if a loan originator organization pays an individual loan originator a commission consisting

• • 1026 (Regulation Z)

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

If the loan originator's compensation is based in whole or in part on a factor that is a proxy for a

• • 1026 (Regulation Z)

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

A creditor reasonably may determine that a consumer can make periodic loan payments even if the consumer's

• • 1026 (Regulation Z)

Comment for 1026.47 - Content of Disclosures

what the face amount of the note would be as of the time of approval, and it must be labeled “Total Loan

• • 1026 (Regulation Z)

Comment for Appendix D - Multiple-Advance Construction Loans

the interest rate for the permanent phase is not known at consummation for a construction-permanent loan

• • 1026 (Regulation Z)

§ 1002.5 Rules concerning requests for information.

CFR 1003.2(g) may collect information regarding the ethnicity, race, and sex of an applicant for a loan

• • 1002 (Regulation B)

§ 1002.5 Rules concerning requests for information.

information regarding the ethnicity, race, and sex of a second or additional co-applicant for a covered loan

• • 1002 (Regulation B)

§ 1024.41 Loss mitigation procedures.

(1) Appeal process required for loan modification denials.

• • 1024 (Regulation X)

Comment for 1002.6 - Rules Concerning Evaluation of Applications

An elderly applicant might not qualify for a 5 percent down, 30-year mortgage loan but might qualify

• • 1002 (Regulation B)

§ 1008.109 Effective date of state requirements imposed on individuals.

Bureau may approve a later effective date only upon a state's demonstration that substantial numbers of loan

• • 1008 (Regulation H)

Comment for 1026.18 - Content of Disclosures

To illustrate, the following examples assume a loan request of $2,500 with a loan fee of $40; the creditor

• • 1026 (Regulation Z)

Comment for 1026.18 - Content of Disclosures

The creditor assesses add-on interest of $60 which is added to the $1000 in loan proceeds for an obligation

• • 1026 (Regulation Z)

Comment for 1026.23 - Right of Rescission

A loan to acquire a principal dwelling and make improvements to that dwelling is exempt if treated as

• • 1026 (Regulation Z)

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

If a loan contract has not been permanently modified but the consumer has agreed to a temporary loss

• • 1026 (Regulation Z)

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

applied to reduce the consumer's settlement charges, including origination fees paid by a creditor to the loan

• • 1026 (Regulation Z)

Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)

gives a statement that the “Final” amount disclosed under § 1026.38(e)(3)(ii) is equal to the “Loan

• • 1026 (Regulation Z)