§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(1) For a consumer credit transaction secured by a dwelling, a loan originator organization must include
- 1026 (Regulation Z)
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
For purposes of § 1026.36(d) and (e), a creditor means a creditor that is not deemed to be a loan
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
clerical staff, and similar individuals who are employed by (or contractor or agent of) a creditor or loan
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
For purposes of this section, a mortgage broker with respect to a particular transaction is any loan
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§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
described in § 1026.37(f)(1), the amount of compensation paid by the creditor to a third-party loan
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Under § 1026.36(d)(1), a loan originator's compensation may not be based on any of the terms of
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
A natural person, estate, or trust that meets all of the following criteria is not a loan originator
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
compensation that directly or indirectly is based on the terms of a single transaction of a single individual loan
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
of § 1026.36, with respect to a particular transaction, the term “mortgage broker” refers to a loan
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
A person (as defined in § 1026.2(a)(22)) that meets all of the following criteria is not a loan
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(A) Except as provided in paragraph (d)(2)(i)(C) of this section, if any loan originator receives compensation
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
more consumers during the current or previous calendar month based on an application submitted by the loan
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(ii) The loan originator must have a good faith belief that the options presented to the consumer pursuant
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Compensation based on terms of an individual loan originator's transactions.
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
that is not directly or indirectly based on the terms of multiple transactions by multiple individual loan
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
originator must present the consumer with loan options that meet the criteria in § 1026.36(e)(3
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(ii) The name of the individual loan originator (as the name appears in the NMLSR) with primary responsibility
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
A payment to a loan originator that is otherwise prohibited by section 129B(c)(2)(A) of the Truth in
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(1) The compensation paid to an individual loan originator pursuant to this paragraph (d)(1)(iv) does
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Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
Mortgage broker as loan originator.
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§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
of each amount, and a subtotal of all such amounts, that the consumer will pay to each creditor and loan
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
originator based on the terms of a consumer credit transaction subject to § 1026.36 originated
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§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
(4) Number of loan options presented.
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Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Section 1026.36(f) requires loan originators to comply with applicable State and Federal licensing and
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§ 1026.32 Requirements for high-cost mortgages.
(ii) All compensation paid directly or indirectly by a consumer or creditor to a loan originator, as
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