§ 1026.19 Certain mortgage and variable-rate transactions.
If the consumer determines that the extension of credit is needed to meet a bona fide personal financial
- 1026 (Regulation Z)
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If the consumer determines that the extension of credit is needed to meet a bona fide personal financial
If the consumer determines that the extension of credit is needed to meet a bona fide personal financial
If the consumer determines that the extension of credit is needed to meet a bona fide personal financial
In a closed-end consumer credit transaction secured by a first lien on real property or a dwelling, other
amount that is comparable to fees imposed for similar services provided in connection with consumer credit
merchandise is ordered by telephone or the Internet by a person without authority to do so, using a credit
Other than the disclosure of certain terms described in §§ 1026.16(d)(6), (g), or (h), the credit
of the disclosures required under § 1026.19(e)(1)(i), a creditor or other person may impose a credit
the creditor to disclose that the loan is for construction in transactions where the creditor extends credit
If, under the credit agreement, a creditor retains the right to review a line at the end of the specified
All fees, including credit report fees and appraisal fees, must be refunded whether such fees are paid
When two or more consumers apply for an extension of credit as joint obligors with primary liability
Assume that a credit card account has a $500 cash advance balance at an annual percentage rate of 25%
Assume that a credit card account has a cash advance balance of $500 at an annual percentage rate of
Assume that on January 1 a consumer uses a credit card account to make a $1,200 purchase subject to a
over-the-limit transactions, the card issuer may explain that any transactions that exceed the consumer's credit
Volume I of the tables may be used for credit transactions involving equal payment amounts and periods
If the consumer controls the timing of advances made after consummation (such as in a credit line arrangement
with the requirements contained in sections 161 (Correction of billing errors) or 162 (Regulation of credit
offering or providing different loan terms to the consumer based on the creditor's assessment of the credit
For example, assume a new credit card account under an open-end (not home-secured) consumer credit plan
(1) In a credit transaction in which a security interest is or will be retained or acquired in a consumer's
those disclosures and consummation or account opening if the consumer determines that the extension of credit
mortgage shall not, for the remainder of the one-year period following the date of origination of the credit
or use of the property, or insurance protecting the creditor against the consumer's default or other credit