Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
4), where the creditor offers covered transactions with a prepayment penalty to consumers through a mortgage
- 1026 (Regulation Z)
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§ 1026.43 Minimum standards for transactions secured by a dwelling.
(1) To pay off the outstanding principal balance on the non-standard mortgage; and
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
(A) Is a fixed-rate mortgage, as defined in § 1026.18(s)(7)(iii); or
- 1026 (Regulation Z)
Appendix H to Part 1026 — Closed-End Model Forms and Clauses
H-4(G) Mortgage with Negative Amortization Interest Rate and Payment Summary Model Clause
- 1026 (Regulation Z)
§ 1026.20 Disclosure requirements regarding post-consummation events.
(A) An explanation that under the terms of the consumer's adjustable-rate mortgage, the specific time
- 1026 (Regulation Z)
§ 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
agent of such parties may not charge a consumer any fee to modify, renew, extend or amend a high-cost mortgage
- 1026 (Regulation Z)
Comment for 1026.2 - Definitions and Rules of Construction
If a transaction meets the definition of a residential mortgage transaction and the creditor chooses
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
, a creditor must have considered, first, whether the consumer is likely to default on the existing mortgage
- 1026 (Regulation Z)
Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
The amount disclosed under § 1026.37(l)(1)(i) is the sum of principal, interest, mortgage insurance
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
For example, assume Creditor A originates a qualified mortgage under § 1026.43(e)(5).
- 1026 (Regulation Z)
§ 1026.41 Periodic statements for residential mortgage loans.
(1) A mortgage loan becomes subject to the requirements of paragraph (f) of this section;
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
(i) Notwithstanding paragraph (e)(2) of this section, a qualified mortgage is a covered transaction:
- 1026 (Regulation Z)
§ 1026.43 Minimum standards for transactions secured by a dwelling.
(i) Notwithstanding paragraph (e)(2) of this section, a qualified mortgage is a covered transaction:
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
Limited role of voluntarily serviced mortgage loans.
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
To qualify as a “standard mortgage,” the loan's proceeds may be used for only two purposes: paying off
- 1026 (Regulation Z)
§ 1026.2 Definitions and rules of construction.
(24) Residential mortgage transaction means a transaction in which a mortgage, deed of trust, purchase
- 1026 (Regulation Z)
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
consummation, and the total amount to be paid into the escrow account by the consumer at consummation for mortgage
- 1026 (Regulation Z)
Comment for 1026.34 - Prohibited Acts or Practices in Connection With High-Cost Mortgages
standards, including, for example, those set forth in the Federal Housing Administration's handbook on Mortgage
- 1026 (Regulation Z)
Comment for 1026.34 - Prohibited Acts or Practices in Connection With High-Cost Mortgages
Prior to receiving certification of counseling, a creditor may not extend a high-cost mortgage, but may
- 1026 (Regulation Z)
Comment for 1026.36 - Prohibited Acts or Practices and Certain Requirements for Credit Secured by a Dwelling
The maximum claim amount as defined in 24 CFR 206.3 if the mortgage is subject to 24 CFR part 206, or
- 1026 (Regulation Z)
Comment for 1026.43 - Minimum Standards for Transactions Secured by a Dwelling
Payment calculation for an adjustable-rate mortgage with an introductory fixed rate.
- 1026 (Regulation Z)
Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans
Nonprofit entity that services 5,000 or fewer mortgage loans.
- 1026 (Regulation Z)
§ 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
(C) The creditor must automatically terminate mortgage insurance or any functional equivalent under applicable
- 1026 (Regulation Z)
Appendix H to Part 1026 — Closed-End Model Forms and Clauses
H-4(H) Fixed Rate Mortgage with Interest Only Interest Rate and Payment Summary Model Clause
- 1026 (Regulation Z)
Appendix Q to Part 1026 — Standards for Determining Monthly Debt and Income
If the employer subsidizes a consumer's mortgage payment through direct payments, the amount of the payments
- 1026 (Regulation Z)