Search regulations

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

Labeled “Closing Costs Financed (Paid from your Loan Amount),” the sum of the amounts disclosed under

• • 1026 (Regulation Z)

Comment for 1026.17 - General Disclosure Requirements

The disclosure given under § 1026.18(k) may state, for example, “If you prepay your loan on other

• • 1026 (Regulation Z)

Comment for 1026.18 - Content of Disclosures

If an amortizing loan is an adjustable-rate mortgage with an introductory rate (less than the fully-indexed

• • 1026 (Regulation Z)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

Institutions subject to the requirements of FIRREA and its implementing regulations that make a loan

• • 1026 (Regulation Z)

Comment for 1026.35 - Requirements for Higher-Priced Mortgage Loans

requirements for a manufactured home classified as personal property under the Title I Manufactured Home Loan

• • 1026 (Regulation Z)

Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)

., “5 Year Step Payment”) followed by the name of the loan product.

• • 1026 (Regulation Z)

Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)

disclosure required by § 1026.37(m)(1) states that the creditor will provide an appraisal, even if the “loan

• • 1026 (Regulation Z)

Comment for 1024.39 - Early Intervention Requirements for Certain Borrowers

A loss mitigation option is available if the owner or assignee of a mortgage loan offers an alternative

• • 1024 (Regulation X)

Comment for 1024.39 - Early Intervention Requirements for Certain Borrowers

A loss mitigation option is available if the owner or assignee of a mortgage loan offers an alternative

• • 1024 (Regulation X)

Comment for 1026.40 - Requirements for Home-Equity Plans

A disclosure is not required merely because a loan calls for non-amortizing or partially amortizing payments

• • 1026 (Regulation Z)

Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans

Additional information about the loan is often included on or inside the front or back cover, or on filler

• • 1026 (Regulation Z)

Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans

For example, assume that a mortgage loan has a monthly billing cycle, each payment due date is on the

• • 1026 (Regulation Z)

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

Under § 1026.43(c)(5)(ii)(A)(1), the creditor must determine a consumer's ability to repay a loan

• • 1026 (Regulation Z)

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

Assume further that, based on the calculation of the maximum loan amount required under § 1026.43

• • 1026 (Regulation Z)

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

The loan conforms to the relevant standards set forth in the Fannie Mae Single-Family Selling Guide or

• • 1026 (Regulation Z)

Comment for Appendix K - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

The calculation of total annual loan cost rates under appendix K is based on the principles set forth

• • 1026 (Regulation Z)

§ 1041.3 Scope of coverage; exclusions; exemptions.

initiate a transfer of money, through any means, from a consumer's account to satisfy an obligation on a loan

• • 1041 (Payday Lending Rule)

Comment for 1026.25 - Record Retention

applicable Federal law relating to the plan, copies of the plan and amendments thereto in which individual loan

• • 1026 (Regulation Z)

§ 1024.17 Escrow accounts.

requirements for an escrow account that a lender establishes in connection with a federally related mortgage loan

• • 1024 (Regulation X)

Comment for 1041.5 - Ability-to-Repay Determination Required

For example, assume a consumer seeks a covered short-term loan.

• • 1041 (Payday Lending Rule)

Comment for 1002.9 - Notifications

inquiry if the creditor evaluates specific information about the consumer and tells the consumer the loan

• • 1002 (Regulation B)

Comment for 1026.26 - Use of Annual Percentage Rate in Oral Disclosures

For example, the creditor may be unable to state a precise annual percentage rate for a mortgage loan

• • 1026 (Regulation Z)

Comment for 1026.32 - Requirements for High-Cost Mortgages

percent for the first six months, 4 percent for the next 10 years, and 5 percent for the remaining loan

• • 1026 (Regulation Z)

Comment for 1026.32 - Requirements for High-Cost Mortgages

A creditor may terminate a loan or open-end credit agreement and accelerate the balance when the consumer

• • 1026 (Regulation Z)

Comment for 1026.37 - Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)

For example, if a transaction is fully amortizing and the prepayment penalty is two percent of the loan

• • 1026 (Regulation Z)