§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
No servicer shall fail to credit a periodic payment to the consumer's loan account as of the date of
- 1026 (Regulation Z)
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Comment for 1026.4 - Finance Charge
suspension of the obligation to make one or more payments on the date(s) otherwise required by the credit
- 1026 (Regulation Z)
Comment for 1026.4 - Finance Charge
For example, credit-report fees cover not only the cost of the report but also the cost of verifying
- 1026 (Regulation Z)
Comment for 1026.5 - General Disclosure Requirements
reasonable procedures designed to ensure that periodic statements for an account under an open-end consumer credit
- 1026 (Regulation Z)
Comment for 1026.17 - General Disclosure Requirements
of the finance charge and other disclosures affected by it unless the lower rate is reflected in the credit
- 1026 (Regulation Z)
Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions
The consumer must have a bona fide personal financial emergency that necessitates consummating the credit
- 1026 (Regulation Z)
Comment for 1026.23 - Right of Rescission
transaction involving subcontractors or suppliers that also hold security interests related to the credit
- 1026 (Regulation Z)
Comment for 1026.32 - Requirements for High-Cost Mortgages
consumer finances a $300 fee for a creditor-conducted appraisal and a $500 single premium for optional credit
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
with obtaining or applying to obtain, negotiate, or otherwise obtain or make a particular extension of credit
- 1026 (Regulation Z)
Comment for 1026.40 - Requirements for Home-Equity Plans
if a general purpose application is provided in response to a consumer's specific inquiry only about credit
- 1026 (Regulation Z)
Comment for 1026.40 - Requirements for Home-Equity Plans
For example, a creditor could temporarily or permanently suspend further advances, reduce the credit
- 1026 (Regulation Z)
Comment for 1026.40 - Requirements for Home-Equity Plans
A creditor also may pass on increases in premiums for credit insurance that are excluded from the finance
- 1026 (Regulation Z)
Comment for 1026.40 - Requirements for Home-Equity Plans
A creditor may prohibit further advances or reduce the credit limit under this section if a consumer
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
Although a credit report may be used to verify current obligations, it will not reflect a simultaneous
- 1026 (Regulation Z)
Comment for 1026.52 - Limitations on Fees
A card issuer may make a single determination for all of its credit card portfolios or may make separate
- 1026 (Regulation Z)
Comment for 1026.56 - Requirements for Over-the-Limit Transactions
over-the-limit fees in subsequent cycles if the consumer's account balance continues to exceed the credit
- 1026 (Regulation Z)
Comment for 1026.58 - Internet Posting of Credit Card Agreements
to submit information about the issuer and its agreements pursuant to § 1026.58(c)(1)(i), new credit
- 1026 (Regulation Z)
Comment for 1026.56 - Requirements for Over-the-Limit Transactions
December cycle in determining whether fees imposed as part of the plan caused the consumer to exceed the credit
- 1026 (Regulation Z)
Comment for 1026.59 - Reevaluation of Rate Increases
A credit card account may have multiple types of balances, for example, purchases, cash advances, and
- 1026 (Regulation Z)
Comment for 1026.51 Ability To Pay
Under § 1026.51(b)(2), if a credit card account has been opened pursuant to § 1026.51(b)(1)
- 1026 (Regulation Z)
§ 1026.40 Requirements for home equity plans.
outstanding balance if the consumer made only those payments and obtained no additional extensions of credit
- 1026 (Regulation Z)
Comment for 1026.5 - General Disclosure Requirements
For purposes of § 1026.5(b)(2)(ii)(B), “grace period” means a period within which any credit extended
- 1026 (Regulation Z)
Comment for 1026.13 - Billing Error Resolution
enclosed or subsequent periodic statement reflecting the corrected amount may simply identify it as a credit
- 1026 (Regulation Z)
Comment for 1026.15 - Right of Rescission
one principal dwelling, when the consumer is acquiring or constructing a new principal dwelling, a credit
- 1026 (Regulation Z)
Comment for 1026.17 - General Disclosure Requirements
obligation is sold) to reduce the consumer's payments or interest rate for all or a portion of the credit
- 1026 (Regulation Z)