§ 1026.10 Payments.
If a creditor fails to credit a payment, as required by paragraphs (a) or (b) of this section, in time
- 1026 (Regulation Z)
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If a creditor fails to credit a payment, as required by paragraphs (a) or (b) of this section, in time
An account is inactive for purposes of this paragraph if no credit has been extended (such as by purchase
by the consumer's principal dwelling, and the advertisement states that the advertised extension of credit
with a high-cost mortgage must be specifically permitted by the terms of the loan contract or open-end credit
institution of higher education or affiliated organization that directly or indirectly relates to the college credit
amounts paid towards the cash price of the merchandise does not bring layaways within the definition of credit
A closed-end loan is exempt under § 1026.3(b) (unless the extension of credit is secured by real
can be a dwelling under § 1026.2(a)(19), the exemption in § 1026.3(b) does not apply to a credit
cards including replacements for lost or stolen cards, fees to expedite delivery of cards or other credit
that, when written, does not draw on an asset account; instead, it is charged entirely to an open-end credit
does not apply to automatic or bill-payment plans offered by financial institutions other than the credit
Section 1026.16(c)(1) permits creditors to put credit information together in one place in a catalog
consumer and does not impose any fee, other than a bona fide and reasonable fee for obtaining a consumer's credit
When making any comparison in an advertisement between actual or hypothetical credit payments or rates
The maximum interest rate must be stated in the credit contract either as a specific amount or in any
A creditor may terminate a loan or open-end credit agreement and accelerate the balance if the consumer's
consumer that are incurred in a reverse mortgage transaction are included in the projected total cost of credit
(a)(3) is in the borrower's interest is based on the totality of the circumstances, at the time the credit
include amounts the loan originator receives as payment for bona fide and reasonable charges, such as credit
any individual family members providing gifts or a developer or home builder organization providing a credit
required under the condition specified by § 1026.37(m)(7), specifically, if the purpose of the credit
suitable substitute for the home equity brochure, “What You Should Know About Home Equity Lines of Credit
With respect to the opening of a joint account for two or more consumers or a credit line increase on
obtaining the affirmative consent of consumers to the card issuer's payment of transactions that exceed the credit
issuer's payment of over-the-limit transactions from an authorized user that is not jointly liable on a credit