Comment for 1026.4 - Finance Charge
charge under § 1026.4(c)(2) whether or not the person imposing the charge continues to extend credit
- 1026 (Regulation Z)
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Comment for 1026.6 - Account-Opening Disclosures
(Creditors should be aware, however, that the Federal credit practices rules, as well as some state laws
- 1026 (Regulation Z)
Comment for 1026.6 - Account-Opening Disclosures
(Creditors should be aware, however, that the Federal credit practices rules, as well as some state laws
- 1026 (Regulation Z)
Comment for 1026.12 - Special Credit Card Provisions
is prohibited under § 1026.12(d) from automatically deducting all or part of the cardholder’s credit
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
Thus in the examples where the creditor derives the net amount of credit by determining a principal loan
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
For example, in a credit sale with no prepaid finance charges or amounts paid to others, the amount financed
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
It may include, for example, an unpaid balance on a prior loan, a credit sale balance or other amounts
- 1026 (Regulation Z)
Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions
the third party imposes any fee, other than a bona fide and reasonable fee for obtaining a consumer's credit
- 1026 (Regulation Z)
Comment for 1026.30 - Limitation on Rates
Dwelling-secured open-end credit plans entered into before November 7, 1989 (the effective date of the
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
High-cost mortgages include closed- and open-end consumer credit transactions secured by the consumer's
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
Where more than one property secures the credit transaction, § 1026.37(a)(6) requires disclosure
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
Where more than one property secures the credit transaction, § 1026.38(a)(3)(vi) requires disclosure
- 1026 (Regulation Z)
Comment for 1026.40 - Requirements for Home-Equity Plans
an estimated dollar amount for each fee, or as a percentage of a typical or representative amount of credit
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
When two consumers are joint obligors with primary liability on a closed-end consumer credit transaction
- 1026 (Regulation Z)
Comment for 1026.51 Ability To Pay
The card issuer may also consider consumer reports, credit scores, and other factors, consistent with
- 1026 (Regulation Z)
Comment for 1026.60 - Credit and Charge Card Applications and Solicitations
A card issuer's response to a consumer's request for credit information may be provided orally or in
- 1026 (Regulation Z)
Comment for Appendix J - Annual Percentage Rate Computations for Closed-End Credit Transactions
forth the actuarial equations and instructions for calculating the annual percentage rate in closed-end credit
- 1026 (Regulation Z)
Comment for 1026.9 - Subsequent Disclosure Requirements
by calling a specified toll-free telephone number before August 1 but that, if the consumer does so, credit
- 1026 (Regulation Z)
Comment for 1026.40 - Requirements for Home-Equity Plans
In disclosing the payment example, the creditor may assume that the credit limit as well as the outstanding
- 1026 (Regulation Z)
Comment for 1026.58 - Internet Posting of Credit Card Agreements
Card issuers are only required to post and maintain on their publicly available Web site the credit card
- 1026 (Regulation Z)
Comment for 1026.18 - Content of Disclosures
For example, if at consummation the creditor collects interim interest of $30 and a credit report fee
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Under § 1026.36(c)(1)(i), a mortgage servicer must credit a payment to a consumer's loan account
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
charges paid by the consumer to each creditor and loan originator for originating and extending the credit
- 1026 (Regulation Z)
Comment for 1026.42 - Valuation Independence
will be deemed to have acted with reasonable diligence under § 1026.42(e) if the creditor extends credit
- 1026 (Regulation Z)
Comment for 1026.56 - Requirements for Over-the-Limit Transactions
For example, a consumer's signature on a credit application to request a credit card would not by itself
- 1026 (Regulation Z)