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

Assumption of existing loan obligation of seller by consumer.

• • 1026 (Regulation Z)

Comment for 1026.46 - Special Disclosure Requirements for Private Education Loans

A creditor may contact a consumer who has not been pre-selected for a private education loan about taking

• • 1026 (Regulation Z)

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

are for a business or commercial purpose, but they do not meet the definition of a home improvement loan

• • 1003 (Regulation C)

§ 1041.12 Compliance program and record retention.

A lender making a covered loan must develop and follow written policies and procedures that are reasonably

• • 1041 (Payday Lending Rule)

Comment for 1041.5 - Ability-to-Repay Determination Required

The lender's policies and procedures provide for a standard loan contract including a “recurring late

• • 1041 (Payday Lending Rule)

Comment for 1026.18 - Content of Disclosures

Under § 1026.18(s)(7)(v), a negative amortization loan is one that requires only a minimum periodic

• • 1026 (Regulation Z)

§ 1024.5 Coverage of RESPA.

Sections 1024.6, 1024.7, 1024.8, 1024.10, and 1024.33(a) do not apply to a federally related mortgage loan

• • 1024 (Regulation X)

§ 1024.35 Error resolution procedures.

an accepted payment to principal, interest, escrow, or other charges under the terms of the mortgage loan

• • 1024 (Regulation X)

Comment for 1002.8 - Special Purpose Credit Programs

Student loan programs based on the family's financial need, for which a creditor may have to consider

• • 1002 (Regulation B)

§ 1026.18 Content of disclosures.

that the minimum payment pays only some interest, does not repay any principal, and will cause the loan

• • 1026 (Regulation Z)

§ 1026.32 Requirements for high-cost mortgages.

(B) 8.5 percentage points for a first-lien transaction if the dwelling is personal property and the loan

• • 1026 (Regulation Z)

§ 1026.41 Periodic statements for residential mortgage loans.

qualify for an exemption pursuant to paragraph (e)(5)(i) of this section with respect to a mortgage loan

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(A) The loan otherwise meets the requirements of paragraphs (e)(2), (e)(4), (e)(5), (e)(6), or (f) of

• • 1026 (Regulation Z)

§ 1026.46 Special disclosure requirements for private education loans.

The disclosures required by § 1026.47(c) shall be provided after the consumer accepts the loan

• • 1026 (Regulation Z)

§ 1026.47 Content of disclosures.

(i) The consumer has the right to cancel the loan, without penalty, at any time before the cancellation

• • 1026 (Regulation Z)

§ 1007.101 Authority, purpose, and scope.

collectively referred to in this part as savings associations), and their employees who act as mortgage loan

• • 1007 (Regulation G)

§ 1008.107 Minimum annual license renewal requirements.

(a) For an individual to be eligible to renew a loan originator license as required under § 1008.103

• • 1008 (Regulation H)

Comment for 1041.7 - Identification of Unfair and Abusive Practice

A lender who complies with § 1041.8 with regard to a covered loan has not committed the unfair and

• • 1041 (Payday Lending Rule)

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

for an explanation of the projected payments disclosure for a construction or construction-permanent loan

• • 1026 (Regulation Z)

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

Example of payment calculation for an interest-only loan.

• • 1026 (Regulation Z)

§ 1003.3 Exempt institutions and excluded and partially exempt transactions.

(1) A closed-end mortgage loan or open-end line of credit originated or purchased by a financial institution

• • 1003 (Regulation C)

§ 1003.4 Compilation of reportable data.

(C) Whether a preapproval request that did not result in the origination of a home purchase loan was

• • 1003 (Regulation C)

§ 1003.4 Compilation of reportable data.

(11) The type of entity purchasing a covered loan that the financial institution originates or purchases

• • 1003 (Regulation C)

Comment for 1003.2 - Definitions

A new open-end line of credit that satisfies and replaces an existing closed-end mortgage loan is a refinancing

• • 1003 (Regulation C)

Comment for 1041.3 - Scope of Coverage; Exclusions; Exemptions

The term covered loan includes open-end credit and closed-end credit, regardless of the form or structure

• • 1041 (Payday Lending Rule)