§ 1026.32 Requirements for high-cost mortgages.
(ii) All compensation paid directly or indirectly by a consumer or creditor to a loan originator, as
- 1026 (Regulation Z)
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§ 1026.25 Record retention.
(i) A creditor shall maintain records sufficient to evidence all compensation it pays to a loan originator
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Referring a consumer to any person who participates in the origination process as a loan originator.
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Loan origination activities for purposes of this comment means activities described in § 1026.36
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
1026.36(e)(3) for additional guidance on what constitutes a “significant number of creditors with which a loan
- 1026 (Regulation Z)
Comment for 1026.42 - Valuation Independence
For example, a loan originator may not coerce a loan underwriter to alter an appraisal report to increase
- 1026 (Regulation Z)
§ 1026.32 Requirements for high-cost mortgages.
(D) Any bona fide third-party charge not retained by the creditor, loan originator, or an affiliate of
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
A payment that is fixed in advance for every loan the originator arranges for the creditor (e.g., $600
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
(a)(1) provides that, solely for the purposes of § 1026.36, such a person is also considered a loan
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Collecting information on behalf of the consumer with regard to a residential mortgage loan.
- 1026 (Regulation Z)
§ 1026.32 Requirements for high-cost mortgages.
(D) Any bona fide third-party charge not retained by the creditor, loan originator, or an affiliate of
- 1026 (Regulation Z)
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
transaction that the consumer is likely to pay or has contracted with a person other than the creditor or loan
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
A creditor may not offer a loan originator 1 percent of the amount of credit extended for loans of $300,000
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
For purposes of § 1026.36(d)(1)(iv)(B)(1), the individual loan originator's total compensation consists
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Providing or making available general information about creditors or loan originators that may offer
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
Charges that are paid by the creditor, other than loan originator compensation paid by the creditor that
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
A loan servicer or a loan servicer's employees, agents, or contractors that otherwise meet the definition
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
Creditor's origination fees - loan originator not employed by creditor.
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Permitted decreases in loan originator compensation.
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Provided that the title issue was unforeseen, the loan originator may decrease the loan originator's
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
the consumer's financial characteristics in offer or counter-offer situations, provided that only a loan
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
Charges” pursuant to § 1026.37(f)(1) are those charges paid by the consumer to each creditor and loan
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
f)(3)(i) and any other reasonably available information, including information that is known to the loan
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
Assume that a creditor pays a bonus to an individual loan originator out of a bonus pool established
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
If the loan originator's compensation is based in whole or in part on a factor that is a proxy for a
- 1026 (Regulation Z)