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Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling

Assume that a creditor delivered a loan, which the creditor determined was a qualified mortgage at the

• • 1026 (Regulation Z)

Comment for 1003.2 - Definitions

A closed-end mortgage loan or an open-end line of credit that satisfies and replaces one or more existing

• • 1003 (Regulation C)

Appendix H to Part 1026 — Closed-End Model Forms and Clauses

H-24(D) Mortgage Loan Transaction Loan Estimate - Refinance Sample Description: This is a sample of a

• • 1026 (Regulation Z)

Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling

The term “loan originator” includes any creditor that satisfies the definition of loan originator but

• • 1026 (Regulation Z)

Appendix K to Part 1026 — Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

For purposes of total annual loan cost disclosures, the term of a reverse mortgage transaction is assumed

• • 1026 (Regulation Z)

Comment for 1003.4 - Compilation of Reportable Data

Assume a financial institution considers an application for a loan product to be a cash-out refinancing

• • 1003 (Regulation C)

Appendix H to Part 1026 — Closed-End Model Forms and Clauses

H-24(E) Mortgage Loan Transaction Loan Estimate - Balloon Payment Sample Description: This is a sample

• • 1026 (Regulation Z)

Comment for 1026.17 - General Disclosure Requirements

When a creditor finances a loan along with a credit sale of health insurance, the creditor may disclose

• • 1026 (Regulation Z)

§ 1003.4 Compilation of reportable data.

(3) Whether the covered loan is, or the application is for, a home purchase loan, a home improvement

• • 1003 (Regulation C)

§ 1041.12 Compliance program and record retention.

(1) Retention of loan agreement for covered loans.

• • 1041 (Payday Lending Rule)

§ 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).

(i) Under the subheading “Loan Estimate,” the total payoffs and payments disclosed on the Loan Estimate

• • 1026 (Regulation Z)

§ 1026.43 Minimum standards for transactions secured by a dwelling.

(A) For a loan amount greater than or equal to $100,000 (indexed for inflation): 3 percent of the total

• • 1026 (Regulation Z)

Appendix A to Part 1008 - Examples of Mortgage Loan Originator Activities

(C) Generally describes for a borrower or prospective borrower the loan application process without a

• • 1008 (Regulation H)

Appendix C to Part 1008 - Independent Contractors and Loan Processor and Underwriter Activities That Require a State Mortgage Loan Originator License

(a) An individual who is a loan processor or underwriter who must obtain and maintain a state loan originator

• • 1008 (Regulation H)

Comment for 1026.34 - Prohibited Acts or Practices in Connection With High-Cost Mortgages

Creditor A is prohibited from refinancing the January 2003 loan (or any other loan subject to § 

• • 1026 (Regulation Z)

Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling

Under § 1026.36(d)(1), subsidiary “A” could not pay a loan originator greater compensation for a

• • 1026 (Regulation Z)

Appendix K to Part 1026 — Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

Loan Terms

• • 1026 (Regulation Z)

Comment for 1026.18 - Content of Disclosures

rules in § 1026.18(s)(3)(ii) for disclosing payments on interest-only loans apply only if the loan

• • 1026 (Regulation Z)

Comment for 1026.39 - Mortgage Transfer Disclosures

Identifying the loan.

• • 1026 (Regulation Z)

Comment for 1041.8 - Prohibited Payment Transfer Attempts

Terms of loan agreement or account agreement.

• • 1041 (Payday Lending Rule)

§ 1024.20 List of homeownership counseling organizations.

(6) If a mortgage loan transaction involves more than one lender, only one list of homeownership counseling

• • 1024 (Regulation X)

§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).

If the loan is insured by the Federal Housing Administration, the creditor shall disclose that the loan

• • 1026 (Regulation Z)

§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).

(b) Loan terms.

• • 1026 (Regulation Z)

§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).

(1) Loan amount.

• • 1026 (Regulation Z)

§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).

A statement of whether the creditor intends to service the loan or transfer the loan to another servicer

• • 1026 (Regulation Z)