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

disclosures provided under § 1026.19(e)(1), known to the creditor at the time of delivery of the Loan

• • 1026 (Regulation Z)

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

the exact payment number of the first adjustment is not known at the time the creditor provides the Loan

• • 1026 (Regulation Z)

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

Assume that loan costs that are designated borrower-paid at or before closing and that are not part of

• • 1026 (Regulation Z)

Comment for 1024.41 - Loss Mitigation Procedures

borrower pursuant to any requirements established by the owner or assignee of the borrower's mortgage loan

• • 1024 (Regulation X)

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

The beginning of the first full unit period of the repayment schedule is April 1, 2014 and the loan term

• • 1026 (Regulation Z)

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

For a qualified mortgage, the creditor must underwrite the loan using a periodic payment of principal

• • 1026 (Regulation Z)

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

creditor calculates the consumer's monthly payment on the covered transaction and on any simultaneous loan

• • 1026 (Regulation Z)

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

agreement between the creditor and Fannie Mae or Freddie Mac that permits variation from the GSE AUS; the loan

• • 1026 (Regulation Z)

Comment for 1026.46 - Special Disclosure Requirements for Private Education Loans

provide the disclosures under § 1026.18 both upon approval and after the consumer accepts the loan

• • 1026 (Regulation Z)

Appendix A: Comment for 1004.2 Definitions

For example, a fixed-rate mortgage loan with a 30-year amortization period but a balloon payment due

• • 1004 (Regulation D)

Comment for 1003.4 - Compilation of Reportable Data

company is an affiliate of the seller institution, in which case the seller institution should report the loan

• • 1003 (Regulation C)

Comment for 1003.4 - Compilation of Reportable Data

the financial institution should report the application as an application for a first-lien covered loan

• • 1003 (Regulation C)

Comment for 1003.5 - Disclosure and Reporting

applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan

• • 1003 (Regulation C)

Comment for 1003.5 - Disclosure and Reporting

applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan

• • 1003 (Regulation C)

Comment for 1005.2 Definitions

Such accounts may include, for example, a prepaid account used to disburse student loan proceeds via

• • 1005 (Regulation E)

Comment for 1041.3 - Scope of Coverage; Exclusions; Exemptions

Section 1041.3(e)(1)(iv) requires that the scheduled payments fully amortize the loan over the contractual

• • 1041 (Payday Lending Rule)

Comment for 1041.3 - Scope of Coverage; Exclusions; Exemptions

the National Credit Union Administration's guidance at 12 CFR 701.21(c)(7)(iii) on Payday Alternative Loan

• • 1041 (Payday Lending Rule)

Comment for 1041.8 - Prohibited Payment Transfer Attempts

charge the consumer a late fee for failure to make a timely payment, as permitted under the terms of the loan

• • 1041 (Payday Lending Rule)

Comment for 1041.12 - Compliance Program and Record Retention

retain a paper copy of the leveraged payment mechanism obtained in connection with a covered longer-term loan

• • 1041 (Payday Lending Rule)

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

payments but fails to bring the account current, it is permissible, if permitted by the terms of the loan

• • 1026 (Regulation Z)

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

the date at the end of that phrase or, for a scheduled maximum amount, such as under a step payment loan

• • 1026 (Regulation Z)

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

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

• • 1026 (Regulation Z)

Comment for 1003.4 - Compilation of Reportable Data

institution complies with § 1003.4(a)(12)(i) by relying on the annual percentage rate for the covered loan

• • 1003 (Regulation C)

Comment for 1003.6 - Enforcement

However, a financial institution’s failure to provide the correct census tract number for a covered loan

• • 1003 (Regulation C)

Comment for 1026.19 - Certain Mortgage and Variable-Rate Transactions

Or, if the creditor knows that the loan must close on the 15th of the month but estimates prepaid interest

• • 1026 (Regulation Z)