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Appendix H to Part 1026 — Closed-End Model Forms and Clauses

H-25(E) Mortgage Loan Transaction Closing Disclosure - Refinance Transaction Sample Description: This

• • 1026 (Regulation Z)

Comment for 1041.3 - Scope of Coverage; Exclusions; Exemptions

A lender originates a closed-end loan that is not a longer-term balloon-payment loan to be repaid within

• • 1041 (Payday Lending Rule)

Comment for 1041.5 - Ability-to-Repay Determination Required

as applicable as a new covered short-term loan or covered longer-term balloon-payment loan that, depending

• • 1041 (Payday Lending Rule)

Appendix C to Part 1024 — Instructions for Completing Good Faith Estimate (GFE) Form

“Summary of your loan.” - In this section, for all loans the loan originator must fill in, where indicated

• • 1024 (Regulation X)

§ 1016.3 Definitions.

(B) The credit union sells the consumer's loan and does not retain the rights to service that loan.

• • 1016 (Regulation P)

§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).

(i) Under the subheading “Loan Estimate,” the amount disclosed on the Loan Estimate under § 1026.37

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(E) For a loan amount less than $12,500 (indexed for inflation): 8 percent of the total loan amount.

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(ii) Has the same loan term as the loan term for the covered transaction with a prepayment penalty;

• • 1026 (Regulation Z)

Appendix A to Part 1007 - Examples of Mortgage Loan Originator Activities

(iv) Is not engaged in approval of the loan, including determining whether the consumer qualifies for

• • 1007 (Regulation G)

Appendix B to Part 1008 - Engaging in the Business of a Loan Originator: Commercial Context and Habitualness

(3) A parent who acts as a loan originator in providing loan financing to his or her child.

• • 1008 (Regulation H)

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

For a loan amount greater than or equal to $101,953: 3 percent of the total loan amount;

• • 1026 (Regulation Z)

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

For a loan amount greater than or equal to $101,749: 3 percent of the total loan amount;

• • 1026 (Regulation Z)

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

For a loan amount greater than or equal to $102,894: 3 percent of the total loan amount;

• • 1026 (Regulation Z)

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

For a loan amount greater than or equal to $105,158: 3 percent of the total loan amount;

• • 1026 (Regulation Z)

Comment for 1041.10 - Furnishing Information to Registered Information Systems

The furnishing requirements in § 1041.10(a) apply to each covered short-term loan or covered longer-term

• • 1041 (Payday Lending Rule)

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

)(i) for which the loan originator has a good faith belief that the consumer is likely to qualify.

• • 1026 (Regulation Z)

Comment for 1024.41 - Loss Mitigation Procedures

Determination not to offer a loan modification option constitutes a denial.

• • 1024 (Regulation X)

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

A payment received by a loan originator organization for bona fide and reasonable charges for services

• • 1026 (Regulation Z)

Comment for 1003.4 - Compilation of Reportable Data

Financial Institution A received an application for a covered loan from an applicant and approved the

• • 1003 (Regulation C)

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

Multiple individual loan originators.

• • 1026 (Regulation Z)

Comment for 1003.4 - Compilation of Reportable Data

Only one financial institution reports each originated covered loan as an origination.

• • 1003 (Regulation C)

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

amount over the term of the loan that remains as of the date the loan is recast.

• • 1026 (Regulation Z)

§ 1026.32 Requirements for high-cost mortgages.

(B) A loan with maturity of 12 months or less, if the purpose of the loan is a “bridge” loan connected

• • 1026 (Regulation Z)

§ 1026.35 Requirements for higher-priced mortgage loans.

(C) A temporary or “bridge” loan with a loan term of twelve months or less, such as a loan to purchase

• • 1026 (Regulation Z)

§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).

(iv) Home equity loan.

• • 1026 (Regulation Z)