Comment for 1026.53 - Allocation of Payments
Assume that a credit card account has a cash advance balance of $500 at an annual percentage rate of
- 1026 (Regulation Z)
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Comment for 1026.61 - Hybrid Prepaid-Credit Cards
Credit is extended through a negative balance on the asset feature at settlement to pay those transactions
- 1026 (Regulation Z)
Comment for 1026.61 - Hybrid Prepaid-Credit Cards
may not impose any fees or charges on the asset feature of the prepaid account that are higher when credit
- 1026 (Regulation Z)
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
connection with an open-end, high-cost mortgage, a creditor shall not open a plan for a consumer where credit
- 1026 (Regulation Z)
Comment for 1026.2 - Definitions and Rules of Construction
consumer purposes, the fact that an organization has guaranteed to pay the debt does not make it business credit
- 1026 (Regulation Z)
Comment for 1026.5 - General Disclosure Requirements
A consumer uses an account by obtaining an extension of credit after receiving the account-opening disclosures
- 1026 (Regulation Z)
Comment for 1026.12 - Special Credit Card Provisions
The § 1026.12(c) credit card “holder in due course” provision deals with the consumer's right to
- 1026 (Regulation Z)
Comment for 1026.24 - Advertising
For example, if an advertisement for credit secured by a dwelling offers $300,000 of credit with a 30
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
A creditor may terminate a loan or open-end credit agreement and accelerate the balance when the consumer
- 1026 (Regulation Z)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
on the simultaneous subordinate financing Closing Disclosure, the creditor must also disclose as a credit
- 1026 (Regulation Z)
Comment for 1026.46 - Special Disclosure Requirements for Private Education Loans
5)(iv)(A) such loans are not considered private education loans, even if interest is charged on the credit
- 1026 (Regulation Z)
Comment for 1026.55 - Limitations on Increasing Annual Percentage Rates, Fees, and Charges
that a card issuer discloses at account opening on January 1 of year one that the annual fee for a credit
- 1026 (Regulation Z)
Comment for 1026.59 - Reevaluation of Rate Increases
Assume that on January 1, 2011, a consumer opens a new credit card account under an open-end (not home-secured
- 1026 (Regulation Z)
§ 1026.14 Determination of annual percentage rate.
The annual percentage rate is a measure of the cost of credit, expressed as a yearly rate.
- 1026 (Regulation Z)
§ 1026.16 Advertising.
(2) If an advertisement for credit to finance the purchase of goods or services specified in the advertisement
- 1026 (Regulation Z)
§ 1026.32 Requirements for high-cost mortgages.
(i) For a closed-end credit transaction, the total amount the consumer will borrow, as reflected by the
- 1026 (Regulation Z)
§ 1026.56 Requirements for over-the-limit transactions.
card issuer may not impose an over-the-limit fee or charge for a billing cycle if a consumer exceeds a credit
- 1026 (Regulation Z)
Comment for 1026.2 - Definitions and Rules of Construction
A cardholder is a natural person at whose request a card is issued for consumer credit purposes or who
- 1026 (Regulation Z)
Comment for 1026.3 - Exempt Transactions
account is exempt under § 1026.3(b) based on the creditor's firm commitment to extend $55,000 in credit
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
A question asking whether the consumer wishes to enroll in the credit insurance or debt cancellation
- 1026 (Regulation Z)
Comment for 1026.6 - Account-Opening Disclosures
If collateral for preexisting credit with the creditor will secure the plan being opened, the creditor
- 1026 (Regulation Z)
Comment for 1026.6 - Account-Opening Disclosures
If collateral for preexisting credit with the creditor will secure the plan being opened, the creditor
- 1026 (Regulation Z)
Comment for 1026.9 - Subsequent Disclosure Requirements
Except as provided in § 1026.9(b)(3) for checks that access a credit card account, if the finance
- 1026 (Regulation Z)
Comment for 1026.9 - Subsequent Disclosure Requirements
prohibited from increasing the annual percentage rate for a category of transactions on any consumer credit
- 1026 (Regulation Z)
Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions
allows the creditor or other person to impose a bona fide and reasonable fee for obtaining a consumer's credit
- 1026 (Regulation Z)