§ 1007.103 Registration of mortgage loan originators.
permit an employee who is subject to the registration requirements of this part to act as a mortgage loan
- 1007 (Regulation G)
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Comment for 1026.4 - Finance Charge
This rule applies to charges by a third party serving as the closing agent for the particular loan.
- 1026 (Regulation Z)
Comment for 1026.17 - General Disclosure Requirements
For example, if the maturity date of a loan depends solely on the occurrence of a future event, the creditor
- 1026 (Regulation Z)
Comment for 1026.17 - General Disclosure Requirements
odd-days” or “per-diem” interest, paid prior to or at closing may not be treated as the first payment on a loan
- 1026 (Regulation Z)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
Section 1026.35(c)(2)(viii)(B) applies to a higher-priced mortgage loan secured by a manufactured home
- 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 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
Final loan terms.
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
either the payment due under the temporary loss mitigation program or the amount due according to the loan
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
The consumer demonstrated actual ability to repay the loan by making timely payments, without modification
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
If multiple consumers jointly apply for a loan and each lists income or assets on the application, the
- 1026 (Regulation Z)
§ 1003.2 Definitions.
(q) Reverse mortgage means a closed-end mortgage loan or an open-end line of credit that is a reverse
- 1003 (Regulation C)
§ 1003.4 Compilation of reportable data.
other than fully amortizing payments, as defined in Regulation Z, 12 CFR 1026.43(b)(2), during the loan
- 1003 (Regulation C)
Appendix A: Comment for 1004.3 Preemption of State Law
principal balance (a negative amortization feature) or may be applied solely to accrued interest and not to loan
- 1004 (Regulation D)
Comment for 1003.4 - Compilation of Reportable Data
that it originated, and on covered loans that it purchased during the calendar year covered by the loan
- 1003 (Regulation C)
Comment for 1003.4 - Compilation of Reportable Data
Covered loan amount - preapproval request denied, application denied, closed for incompleteness or withdrawn
- 1003 (Regulation C)
Comment for 1003.4 - Compilation of Reportable Data
If two persons jointly apply for a covered loan and both list income on the application, but the financial
- 1003 (Regulation C)
§ 1024.17 Escrow accounts.
The servicer must examine the federally related mortgage loan documents to determine the applicable cushion
- 1024 (Regulation X)
Comment for 1024.40 - Continuity of Contact
A borrower is not considered delinquent if the borrower has refinanced the mortgage loan, paid off the
- 1024 (Regulation X)
§ 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
applicable, is not able to provide the statement within seven business days of such a request because a loan
- 1026 (Regulation Z)
Comment for 1041.5 - Ability-to-Repay Determination Required
For a covered short-term loan, sufficient history typically would consist of one biweekly pay cycle or
- 1041 (Payday Lending Rule)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
Assume further that the creditor consummates a higher-priced mortgage loan in 2017 for which the application
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
does not receive any scheduled periodic payments from a borrower pursuant to the terms of any mortgage loan
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
For loans with a balloon payment, the rules differ depending on whether the loan is a higher-priced covered
- 1026 (Regulation Z)
Comment for Appendix H - Closed-End Forms and Clauses
on or with an application or solicitation, at approval, and after acceptance of a private education loan
- 1026 (Regulation Z)
Comment for 1003.4 - Compilation of Reportable Data
If the amount of total loan costs changes because a financial institution provides a corrected version
- 1003 (Regulation C)