Comment for 1026.17 - General Disclosure Requirements
The construction loan may be for initial construction or subsequent construction, such as rehabilitation
- 1026 (Regulation Z)
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
f)(3)(i) and any other reasonably available information, including information that is known to the loan
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
For a simultaneous loan that is a home equity line of credit subject to § 1026.40, the creditor
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
Under § 1026.43(e)(2)(iv)(A), the creditor must underwrite the loan using the maximum interest rate
- 1026 (Regulation Z)
Comment for 1026.2 - Definitions and Rules of Construction
This type of transaction is often referred to as a “payday loan” or “payday advance” or “deferred-presentment
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
Disclosures may also accompany loan checks that are sent by mail, in which case the initial disbursement
- 1026 (Regulation Z)
Comment for 1026.21 - Treatment of Credit Balances
A balance might result, for example, from the debtor's paying off a loan by transmitting funds in excess
- 1026 (Regulation Z)
Comment for 1026.22 - Determination of Annual Percentage Rate
The 1/4 of 1 percentage point tolerance may be used, for example, in a construction loan where advances
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
documentation), or collecting application and supporting information on behalf of the consumer to submit to a loan
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
increases in closing costs takes into account that the itemized, estimated closing costs disclosed on the Loan
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
When two or more consumers are joint obligors with primary liability on a mortgage loan subject to §&
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
Section 1026.43(c)(1) requires the creditor to determine, at or before the time the loan is consummated
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
to make payments of principal and interest on a monthly or other periodic basis that will repay the loan
- 1026 (Regulation Z)
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
disclosed under this paragraph (c) must be disclosed under a subheading that states the years of the loan
- 1026 (Regulation Z)
§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
charges that are included in either or both subtotals, a statement that the consumer should see the total loan
- 1026 (Regulation Z)
§ 1026.39 Mortgage transfer disclosures.
consumer's notice of the right to rescind and resolve issues concerning the consumer's payments on the loan
- 1026 (Regulation Z)
§ 1026.42 Valuation independence.
(iii) No employee, officer or director in the creditor's loan production function, as defined in paragraph
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
consumer's current or reasonably expected income or assets other than the dwelling that secures the loan
- 1026 (Regulation Z)
§ 1026.48 Limitations on private education loans.
nothing in this section prevents the creditor, at its option, from changing the rate or terms of the loan
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
for the term of a credit transaction (including, for example, an overdraft on a checking account or a loan
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
A credit life insurance policy providing coverage for a 30-year mortgage loan has an initial term of
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
For example, a loan to a student may be secured by an interest in the property of the student's parents
- 1026 (Regulation Z)
Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions
balloon-payment instruments where the creditor is both unconditionally obligated to renew the balloon-payment loan
- 1026 (Regulation Z)
Comment for 1026.23 - Right of Rescission
of the mortgage is irrelevant for purposes of the exemption in § 1026.23(f)(1); the fact that a loan
- 1026 (Regulation Z)
Comment for 1026.24 - Advertising
For example, a statement such as “save $300 per month on a $300,000 loan” constitutes an implied comparison
- 1026 (Regulation Z)