Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
calendar year, or as of the end of either of the two preceding calendar years if the application for the loan
- 1026 (Regulation Z)
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Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
not apply, the creditor must obtain two written appraisals before extending a higher-priced mortgage loan
- 1026 (Regulation Z)
Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans
interest rate or any other fees payable by the consumer in connection with the higher-priced mortgage loan
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
For example, for an adjustable rate construction loan with no introductory fixed rate period where the
- 1026 (Regulation Z)
Comment for 1024.37 - Force-Placed Insurance
e)(1), as evidence that the borrower has purchased hazard insurance coverage that complies with the loan
- 1024 (Regulation X)
Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
In transactions where there is no seller, such as in a refinancing or home equity loan, or for simultaneous
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
This is the substantially equal, monthly payment of principal and interest required to repay the loan
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
is the substantially equal, monthly payment of principal and interest required to repay the maximum loan
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
is the substantially equal, monthly payment of principal and interest required to repay the maximum loan
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
For guidance on determining whether a loan is a higher-priced covered transaction, see comment 43(b)(
- 1026 (Regulation Z)
Comment for Appendix K - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
sides, as long as the pages constitute an integrated document and the table disclosing the total annual loan
- 1026 (Regulation Z)
§ 1003.4 Compilation of reportable data.
prime offer rate” means an annual percentage rate that is derived from average interest rates and other loan
- 1003 (Regulation C)
Comment for 1003.4 - Compilation of Reportable Data
Covered loan amount - open-end line of credit.
- 1003 (Regulation C)
Comment for 1003.4 - Compilation of Reportable Data
a credit decision approving the preapproval request but the application did not result in a covered loan
- 1003 (Regulation C)
Comment for 1003.4 - Compilation of Reportable Data
each with a different street address, comprise a single multifamily dwelling that secures a covered loan
- 1003 (Regulation C)
Comment for 1041.3 - Scope of Coverage; Exclusions; Exemptions
the consumer receives the entire amount of funds that the consumer is entitled to receive under the loan
- 1041 (Payday Lending Rule)
Comment for 1041.3 - Scope of Coverage; Exclusions; Exemptions
The condition in § 1041.3(b)(3)(ii) is satisfied if a loan agreement authorizes the lender to elect
- 1041 (Payday Lending Rule)
Comment for 1041.3 - Scope of Coverage; Exclusions; Exemptions
A lender may make an alternative covered loan under § 1041.3(e) only if the lender determines from
- 1041 (Payday Lending Rule)
Comment for 1026.32 - Requirements for High-Cost Mortgages
no definite plan length, a creditor must use the average prime offer rate for a 30-year fixed-rate loan
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
If the disclosed payment is only potential, as may be the case for a loan that permits optional payments
- 1026 (Regulation Z)
Comment for 1026.17 - General Disclosure Requirements
The construction loan may be for initial construction or subsequent construction, such as rehabilitation
- 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 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
For a simultaneous loan that is a home equity line of credit subject to § 1026.40, the creditor
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
Under § 1026.43(e)(2)(iv)(A), the creditor must underwrite the loan using the maximum interest rate
- 1026 (Regulation Z)
Comment for 1026.2 - Definitions and Rules of Construction
This type of transaction is often referred to as a “payday loan” or “payday advance” or “deferred-presentment
- 1026 (Regulation Z)