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Comment for 1026.32 - Requirements for High-Cost Mortgages

For example, certain bona fide third-party charges not retained by the creditor, loan originator, or

• • 1026 (Regulation Z)

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

Mortgage broker as loan originator.

• • 1026 (Regulation Z)

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

which the penalty may be imposed terminates using the phrases “As high as” and “if you pay off the loan

• • 1026 (Regulation Z)

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

transaction, the optional alternative disclosure may be used for the simultaneous subordinate financing Loan

• • 1026 (Regulation Z)

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

for a “Fixed Rate” product under § 1026.37(a)(10), this table is not permitted to appear on the Loan

• • 1026 (Regulation Z)

Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)

However, if the seller credit is attributable to a specific loan cost or other cost listed in the Closing

• • 1026 (Regulation Z)

Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)

required only if the periodic principal and interest payment may change after consummation based on a loan

• • 1026 (Regulation Z)

Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)

required by § 1026.38(t)(3), the disclosures for any transaction that is a federally related mortgage loan

• • 1026 (Regulation Z)

Comment for 1026.38 - Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)

1026.38(b) must be disclosed using decimal places even if the amount of cents is zero, in contrast to the loan

• • 1026 (Regulation Z)

Comment for 1026.39 - Mortgage Transfer Disclosures

If a mortgage loan is acquired by a covered person and subsequently transferred to another covered person

• • 1026 (Regulation Z)

Comment for 1026.41 - Periodic Statements for Residential Mortgage Loans

statement of intention on June 1 identifying an intent to surrender the dwelling securing the mortgage loan

• • 1026 (Regulation Z)

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

Based on the calculation of the maximum loan amount after adjusting for this outstanding principal balance

• • 1026 (Regulation Z)

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

Under § 1026.43(g)(5), a creditor that is a loan originator must present an alternative covered

• • 1026 (Regulation Z)

§ 1003.4 Compilation of reportable data.

financial institution but not accepted by the applicant, or results in the origination of a home purchase loan

• • 1003 (Regulation C)

§ 1003.6 Enforcement.

this part provided that the institution corrects or completes the data prior to submitting its annual loan

• • 1003 (Regulation C)

Comment for 1003.2 - Definitions

Section 1003.2(p) defines a refinancing as a closed-end mortgage loan or an open-end line of credit in

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

In the case of an application for a covered loan that did not result in an origination, a financial institution

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

identify the applicant or borrower in the identifier that it assigns for the application or covered loan

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

respond to the financial institution's approval within the specified time, or the closed-end mortgage loan

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

that the requirement is not applicable if the property address of the property securing the covered loan

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

is determined according to the covered loan's amortization type (i.e., fixed- or variable-rate) and loan

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

a financial institution reports the fully-indexed rate based on the index applicable to the covered loan

• • 1003 (Regulation C)

Comment for 1026.17 - General Disclosure Requirements

In certain credit sale or loan transactions, a consumer may reduce the dollar amount of the payments

• • 1026 (Regulation Z)

Comment for 1026.18 - Content of Disclosures

In many mortgages, the creditor cannot determine, at the time disclosure must be made, whether a loan

• • 1026 (Regulation Z)

Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions

creditor must provide disclosures to the consumer that fully describe each of the creditor's variable-rate loan

• • 1026 (Regulation Z)