Comment for 1026.30 - Limitation on Rates
To illustrate, in a variable-rate loan that has an option to convert to a fixed rate, a creditor may
- 1026 (Regulation Z)
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Comment for 1026.31 - General Rules
What length of time is reasonable will depend on what changes to a loan or credit plan's documentation
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
For example, certain bona fide third-party charges not retained by the creditor, loan originator, or
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
Mortgage broker as loan originator.
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
which the penalty may be imposed terminates using the phrases “As high as” and “if you pay off the loan
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
transaction, the optional alternative disclosure may be used for the simultaneous subordinate financing Loan
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
for a “Fixed Rate” product under § 1026.37(a)(10), this table is not permitted to appear on the Loan
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
However, if the seller credit is attributable to a specific loan cost or other cost listed in the Closing
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
required only if the periodic principal and interest payment may change after consummation based on a loan
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
required by § 1026.38(t)(3), the disclosures for any transaction that is a federally related mortgage loan
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
1026.38(b) must be disclosed using decimal places even if the amount of cents is zero, in contrast to the loan
- 1026 (Regulation Z)
Comment for 1026.39 - Mortgage Transfer Disclosures
If a mortgage loan is acquired by a covered person and subsequently transferred to another covered person
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
statement of intention on June 1 identifying an intent to surrender the dwelling securing the mortgage loan
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
Based on the calculation of the maximum loan amount after adjusting for this outstanding principal balance
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
Under § 1026.43(g)(5), a creditor that is a loan originator must present an alternative covered
- 1026 (Regulation Z)
Comment for 1026.17 - General Disclosure Requirements
In certain credit sale or loan transactions, a consumer may reduce the dollar amount of the payments
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
In many mortgages, the creditor cannot determine, at the time disclosure must be made, whether a loan
- 1026 (Regulation Z)
Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions
creditor must provide disclosures to the consumer that fully describe each of the creditor's variable-rate loan
- 1026 (Regulation Z)
Comment for 1026.20 Disclosure Requirements Regarding Post-Consummation Events
consumers to choose among several different payment options for each billing period, is an example of a loan
- 1026 (Regulation Z)
Comment for 1026.23 - Right of Rescission
the new dwelling is considered the principal dwelling if it secures the acquisition or construction loan
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
)(4) (i.e., the maximum amount of the prepayment penalty that may be imposed under the terms of the loan
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
If a dollar amount that is required to be rounded by § 1026.37(o)(4)(i) on the Loan Estimate is
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
In certain credit sale or loan transactions, a consumer may reduce the dollar amount of the payments
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
A creditor may make a mortgage loan that will be transferred or sold to a purchaser pursuant to an agreement
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
Borrower” to be disclosed under § 1026.38(i)(4)(ii)(B) is determined by subtracting the sum of the loan
- 1026 (Regulation Z)