Title 12

PART 1026

Part 1026 - Truth In Lending (regulation Z)

PART 1026 - TRUTH IN LENDING (REGULATION Z) Authority:12 U.S.C. 2601, 2603-2605, 2607, 2609, 2617, 3353, 5511, 5512, 5532, 5581; 15 U.S.C. 1601 et seq.” Source:76 FR 79772, Dec. 22, 2011, unless otherwise noted.

• Authority: 12 U.S.C. 2601, 2603-2605, 2607, 2609, 2617, 3353, 5511, 5512, 5532, 5581; 15 U.S.C. 1601 et seq.”
• Source: 76 FR 79772, Dec. 22, 2011, unless otherwise noted.

12:9.0.1.1.1.1	SUBPART A	Subpart A - General
12:9.0.1.1.1.1.1.1	SECTION 1026.1	1026.1 Authority, purpose, coverage, organization, enforcement, and liability.
12:9.0.1.1.1.1.1.2	SECTION 1026.2	1026.2 Definitions and rules of construction.
12:9.0.1.1.1.1.1.3	SECTION 1026.3	1026.3 Exempt transactions.
12:9.0.1.1.1.1.1.4	SECTION 1026.4	1026.4 Finance charge.
12:9.0.1.1.1.2	SUBPART B	Subpart B - Open-End Credit
12:9.0.1.1.1.2.1.1	SECTION 1026.5	1026.5 General disclosure requirements.
12:9.0.1.1.1.2.1.2	SECTION 1026.6	1026.6 Account-opening disclosures.
12:9.0.1.1.1.2.1.3	SECTION 1026.7	1026.7 Periodic statement.
12:9.0.1.1.1.2.1.4	SECTION 1026.8	1026.8 Identifying transactions on periodic statements.
12:9.0.1.1.1.2.1.5	SECTION 1026.9	1026.9 Subsequent disclosure requirements.
12:9.0.1.1.1.2.1.6	SECTION 1026.10	1026.10 Payments.
12:9.0.1.1.1.2.1.7	SECTION 1026.11	1026.11 Treatment of credit balances; account termination.
12:9.0.1.1.1.2.1.8	SECTION 1026.12	1026.12 Special credit card provisions.
12:9.0.1.1.1.2.1.9	SECTION 1026.13	1026.13 Billing error resolution.
12:9.0.1.1.1.2.1.10	SECTION 1026.14	1026.14 Determination of annual percentage rate.
12:9.0.1.1.1.2.1.11	SECTION 1026.15	1026.15 Right of rescission.
12:9.0.1.1.1.2.1.12	SECTION 1026.16	1026.16 Advertising.
12:9.0.1.1.1.3	SUBPART C	Subpart C - Closed-End Credit
12:9.0.1.1.1.3.1.1	SECTION 1026.17	1026.17 General disclosure requirements.
12:9.0.1.1.1.3.1.2	SECTION 1026.18	1026.18 Content of disclosures.
12:9.0.1.1.1.3.1.3	SECTION 1026.19	1026.19 Certain mortgage and variable-rate transactions.
12:9.0.1.1.1.3.1.4	SECTION 1026.20	1026.20 Disclosure requirements regarding post-consummation events.
12:9.0.1.1.1.3.1.5	SECTION 1026.21	1026.21 Treatment of credit balances.
12:9.0.1.1.1.3.1.6	SECTION 1026.22	1026.22 Determination of annual percentage rate.
12:9.0.1.1.1.3.1.7	SECTION 1026.23	1026.23 Right of rescission.
12:9.0.1.1.1.3.1.8	SECTION 1026.24	1026.24 Advertising.
12:9.0.1.1.1.4	SUBPART D	Subpart D - Miscellaneous
12:9.0.1.1.1.4.1.1	SECTION 1026.25	1026.25 Record retention.
12:9.0.1.1.1.4.1.2	SECTION 1026.26	1026.26 Use of annual percentage rate in oral disclosures.
12:9.0.1.1.1.4.1.3	SECTION 1026.27	1026.27 Language of disclosures.
12:9.0.1.1.1.4.1.4	SECTION 1026.28	1026.28 Effect on state laws.
12:9.0.1.1.1.4.1.5	SECTION 1026.29	1026.29 State exemptions.
12:9.0.1.1.1.4.1.6	SECTION 1026.30	1026.30 Limitation on rates.
12:9.0.1.1.1.5	SUBPART E	Subpart E - Special Rules for Certain Home Mortgage Transactions
12:9.0.1.1.1.5.1.1	SECTION 1026.31	1026.31 General rules.
12:9.0.1.1.1.5.1.2	SECTION 1026.32	1026.32 Requirements for high-cost mortgages.
12:9.0.1.1.1.5.1.3	SECTION 1026.33	1026.33 Requirements for reverse mortgages.
12:9.0.1.1.1.5.1.4	SECTION 1026.34	1026.34 Prohibited acts or practices in connection with high-cost mortgages.
12:9.0.1.1.1.5.1.5	SECTION 1026.35	1026.35 Requirements for higher-priced mortgage loans.
12:9.0.1.1.1.5.1.6	SECTION 1026.36	1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
12:9.0.1.1.1.5.1.7	SECTION 1026.37	1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
12:9.0.1.1.1.5.1.8	SECTION 1026.38	1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
12:9.0.1.1.1.5.1.9	SECTION 1026.39	1026.39 Mortgage transfer disclosures.
12:9.0.1.1.1.5.1.10	SECTION 1026.40	1026.40 Requirements for home equity plans.
12:9.0.1.1.1.5.1.11	SECTION 1026.41	1026.41 Periodic statements for residential mortgage loans.
12:9.0.1.1.1.5.1.12	SECTION 1026.42	1026.42 Valuation independence.
12:9.0.1.1.1.5.1.13	SECTION 1026.43	1026.43 Minimum standards for transactions secured by a dwelling.
12:9.0.1.1.1.5.1.16	SECTION 1026.44-1026.45	1026.44-1026.45 [Reserved]
12:9.0.1.1.1.6	SUBPART F	Subpart F - Special Rules for Private Education Loans
12:9.0.1.1.1.6.1.1	SECTION 1026.46	1026.46 Special disclosure requirements for private education loans.
12:9.0.1.1.1.6.1.2	SECTION 1026.47	1026.47 Content of disclosures.
12:9.0.1.1.1.6.1.3	SECTION 1026.48	1026.48 Limitations on private education loans.
12:9.0.1.1.1.7	SUBPART G	Subpart G - Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students
12:9.0.1.1.1.7.1.1	SECTION 1026.51	1026.51 Ability to Pay.
12:9.0.1.1.1.7.1.2	SECTION 1026.52	1026.52 Limitations on fees.
12:9.0.1.1.1.7.1.3	SECTION 1026.53	1026.53 Allocation of payments.
12:9.0.1.1.1.7.1.4	SECTION 1026.54	1026.54 Limitations on the imposition of finance charges.
12:9.0.1.1.1.7.1.5	SECTION 1026.55	1026.55 Limitations on increasing annual percentage rates, fees, and charges.
12:9.0.1.1.1.7.1.6	SECTION 1026.56	1026.56 Requirements for over-the-limit transactions.
12:9.0.1.1.1.7.1.7	SECTION 1026.57	1026.57 Reporting and marketing rules for college student open-end credit.
12:9.0.1.1.1.7.1.8	SECTION 1026.58	1026.58 Internet posting of credit card agreements.
12:9.0.1.1.1.7.1.9	SECTION 1026.59	1026.59 Reevaluation of rate increases.
12:9.0.1.1.1.7.1.10	SECTION 1026.60	1026.60 Credit and charge card applications and solicitations.
12:9.0.1.1.1.7.1.11	SECTION 1026.61	1026.61 Hybrid prepaid-credit cards.
12:9.0.1.1.1.8	SUBPART 0
12:9.0.1.1.1.9.1.1.1	APPENDIX Appendix A	Appendix A to Part 1026 - Effect on State Laws
12:9.0.1.1.1.9.1.1.2	APPENDIX Appendix B	Appendix B to Part 1026 - State Exemptions
12:9.0.1.1.1.9.1.1.3	APPENDIX Appendix C	Appendix C to Part 1026 - Issuance of Official Interpretations
12:9.0.1.1.1.9.1.1.4	APPENDIX Appendix D	Appendix D to Part 1026 - Multiple Advance Construction Loans
12:9.0.1.1.1.9.1.1.5	APPENDIX Appendix E	Appendix E to Part 1026 - Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
12:9.0.1.1.1.9.1.1.6	APPENDIX Appendix F	Appendix F to Part 1026 - Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer's Dwelling
12:9.0.1.1.1.9.1.1.7	APPENDIX Appendix G	Appendix G to Part 1026 - Open-End Model Forms and Clauses
12:9.0.1.1.1.9.1.1.8	APPENDIX Appendix H	Appendix H to Part 1026 - Closed-End Model Forms and Clauses
12:9.0.1.1.1.9.1.1.9	APPENDIX Appendix I	Appendix I to Part 1026 [Reserved]
12:9.0.1.1.1.9.1.1.10	APPENDIX Appendix J	Appendix J to Part 1026 - Annual Percentage Rate Computations for Closed-End Credit Transactions
12:9.0.1.1.1.9.1.1.11	APPENDIX Appendix K	Appendix K to Part 1026 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
12:9.0.1.1.1.9.1.1.12	APPENDIX Appendix L	Appendix L to Part 1026 - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates
12:9.0.1.1.1.9.1.1.13	APPENDIX Appendix M1	Appendix M1 to Part 1026 - Repayment Disclosures
12:9.0.1.1.1.9.1.1.14	APPENDIX Appendix M2	Appendix M2 to Part 1026 - Sample Calculations of Repayment Disclosures
12:9.0.1.1.1.9.1.1.15	APPENDIX Appendix N	Appendix N to Part 1026 - Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
12:9.0.1.1.1.9.1.1.16	APPENDIX Appendix O	Appendix O to Part 1026 - Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
12:9.0.1.1.1.9.1.1.17	APPENDIX Appendix P	Appendix P to Part 1026 [Reserved]
12:9.0.1.1.1.9.1.1.18	APPENDIX Appendix Q	Appendix Q to Part 1026 - Standards for Determining Monthly Debt and Income
12:9.0.1.1.1.9.1.1.19	APPENDIX	Supplement I to Part 1026 - Official Interpretations

---