Title 12

PART 226

Part 226 - Truth In Lending (regulation Z)

PART 226 - TRUTH IN LENDING (REGULATION Z) Authority:12 U.S.C. 3806; 15 U.S.C. 1604, 1637(c)(5), 1639(l), and 1639h; Pub. L. 111-24, section 2, 123 Stat. 1734; Pub. L. 111-203, 124 Stat. 1376. Source:Reg. Z, 46 FR 20892, Apr. 7, 1981, unless otherwise noted.

• Authority: 12 U.S.C. 3806; 15 U.S.C. 1604, 1637(c)(5), 1639(l), and 1639h; Pub. L. 111-24, section 2, 123 Stat. 1734; Pub. L. 111-203, 124 Stat. 1376.
• Source: Reg. Z, 46 FR 20892, Apr. 7, 1981, unless otherwise noted.

12:3.0.1.1.7.1	SUBPART A	Subpart A - General
12:3.0.1.1.7.1.8.1	SECTION 226.1	226.1 Authority, purpose, coverage, organization, enforcement, and liability.
12:3.0.1.1.7.1.8.2	SECTION 226.2	226.2 Definitions and rules of construction.
12:3.0.1.1.7.1.8.3	SECTION 226.3	226.3 Exempt transactions.
12:3.0.1.1.7.1.8.4	SECTION 226.4	226.4 Finance charge.
12:3.0.1.1.7.2	SUBPART B	Subpart B - Open-End Credit
12:3.0.1.1.7.2.8.1	SECTION 226.5	226.5 General disclosure requirements.
12:3.0.1.1.7.2.8.2	SECTION 226.5a	226.5a Credit and charge card applications and solicitations.
12:3.0.1.1.7.2.8.3	SECTION 226.5b	226.5b Requirements for home equity plans.
12:3.0.1.1.7.2.8.4	SECTION 226.6	226.6 Account-opening disclosures.
12:3.0.1.1.7.2.8.5	SECTION 226.7	226.7 Periodic statement.
12:3.0.1.1.7.2.8.6	SECTION 226.8	226.8 Identifying transactions on periodic statements.
12:3.0.1.1.7.2.8.7	SECTION 226.9	226.9 Subsequent disclosure requirements.
12:3.0.1.1.7.2.8.8	SECTION 226.10	226.10 Payments.
12:3.0.1.1.7.2.8.9	SECTION 226.11	226.11 Treatment of credit balances; account termination.
12:3.0.1.1.7.2.8.10	SECTION 226.12	226.12 Special credit card provisions.
12:3.0.1.1.7.2.8.11	SECTION 226.13	226.13 Billing error resolution. 27
12:3.0.1.1.7.2.8.12	SECTION 226.14	226.14 Determination of annual percentage rate.
12:3.0.1.1.7.2.8.13	SECTION 226.15	226.15 Right of rescission.
12:3.0.1.1.7.2.8.14	SECTION 226.16	226.16 Advertising.
12:3.0.1.1.7.3	SUBPART C	Subpart C - Closed-End Credit
12:3.0.1.1.7.3.8.1	SECTION 226.17	226.17 General disclosure requirements.
12:3.0.1.1.7.3.8.2	SECTION 226.18	226.18 Content of disclosures.
12:3.0.1.1.7.3.8.3	SECTION 226.19	226.19 Certain mortgage and variable-rate transactions.
12:3.0.1.1.7.3.8.4	SECTION 226.20	226.20 Subsequent disclosure requirements.
12:3.0.1.1.7.3.8.5	SECTION 226.21	226.21 Treatment of credit balances.
12:3.0.1.1.7.3.8.6	SECTION 226.22	226.22 Determination of annual percentage rate.
12:3.0.1.1.7.3.8.7	SECTION 226.23	226.23 Right of rescission.
12:3.0.1.1.7.3.8.8	SECTION 226.24	226.24 Advertising.
12:3.0.1.1.7.4	SUBPART D	Subpart D - Miscellaneous
12:3.0.1.1.7.4.8.1	SECTION 226.25	226.25 Record retention.
12:3.0.1.1.7.4.8.2	SECTION 226.26	226.26 Use of annual percentage rate in oral disclosures.
12:3.0.1.1.7.4.8.3	SECTION 226.27	226.27 Language of disclosures.
12:3.0.1.1.7.4.8.4	SECTION 226.28	226.28 Effect on State laws.
12:3.0.1.1.7.4.8.5	SECTION 226.29	226.29 State exemptions.
12:3.0.1.1.7.4.8.6	SECTION 226.30	226.30 Limitation on rates.
12:3.0.1.1.7.5	SUBPART E	Subpart E - Special Rules for Certain Home Mortgage Transactions
12:3.0.1.1.7.5.8.1	SECTION 226.31	226.31 General rules.
12:3.0.1.1.7.5.8.2	SECTION 226.32	226.32 Requirements for certain closed-end home mortgages.
12:3.0.1.1.7.5.8.3	SECTION 226.33	226.33 Requirements for reverse mortgages.
12:3.0.1.1.7.5.8.4	SECTION 226.34	226.34 Prohibited acts or practices in connection with credit subject to § 226.32.
12:3.0.1.1.7.5.8.5	SECTION 226.35	226.35 Prohibited acts or practices in connection with higher-priced mortgage loans.
12:3.0.1.1.7.5.8.6	SECTION 226.36	226.36 Prohibited acts or practices in connection with credit secured by a dwelling.
12:3.0.1.1.7.5.8.7	SECTION 226.37-226.38	226.37-226.38 [Reserved]
12:3.0.1.1.7.5.8.8	SECTION 226.39	226.39 Mortgage transfer disclosures.
12:3.0.1.1.7.5.8.9	SECTION 226.40-226.41	226.40-226.41 [Reserved]
12:3.0.1.1.7.5.8.10	SECTION 226.42	226.42 Valuation independence.
12:3.0.1.1.7.5.8.11	SECTION 226.43	226.43 Appraisals for higher-priced mortgage loans.
12:3.0.1.1.7.5.8.12	SECTION 226.44-226.45	226.44-226.45 [Reserved]
12:3.0.1.1.7.6	SUBPART F	Subpart F - Special Rules for Private Education Loans
12:3.0.1.1.7.6.8.1	SECTION 226.46	226.46 Special disclosure requirements for private education loans.
12:3.0.1.1.7.6.8.2	SECTION 226.47	226.47 Content of disclosures.
12:3.0.1.1.7.6.8.3	SECTION 226.48	226.48 Limitations on private education loans.
12:3.0.1.1.7.7	SUBPART G	Subpart G - Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students
12:3.0.1.1.7.7.8.1	SECTION 226.51	226.51 Ability to Pay.
12:3.0.1.1.7.7.8.2	SECTION 226.52	226.52 Limitations on fees.
12:3.0.1.1.7.7.8.3	SECTION 226.53	226.53 Allocation of payments.
12:3.0.1.1.7.7.8.4	SECTION 226.54	226.54 Limitations on the imposition of finance charges.
12:3.0.1.1.7.7.8.5	SECTION 226.55	226.55 Limitations on increasing annual percentage rates, fees, and charges.
12:3.0.1.1.7.7.8.6	SECTION 226.56	226.56 Requirements for over-the-limit transactions.
12:3.0.1.1.7.7.8.7	SECTION 226.57	226.57 Reporting and marketing rules for college student open-end credit.
12:3.0.1.1.7.7.8.8	SECTION 226.58	226.58 Internet posting of credit card agreements.
12:3.0.1.1.7.7.8.9	SECTION 226.59	226.59 Reevaluation of rate increases.
12:3.0.1.1.7.8	SUBPART 0
12:3.0.1.1.7.9.8.1.16	APPENDIX Appendix A	Appendix A to Part 226 - Effect on State Laws
12:3.0.1.1.7.9.8.1.17	APPENDIX Appendix B	Appendix B to Part 226 - State Exemptions
12:3.0.1.1.7.9.8.1.18	APPENDIX Appendix C	Appendix C to Part 226 - Issuance of Staff Interpretations
12:3.0.1.1.7.9.8.1.19	APPENDIX Appendix D	Appendix D to Part 226 - Multiple Advance Construction Loans
12:3.0.1.1.7.9.8.1.20	APPENDIX Appendix E	Appendix E to Part 226 - Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
12:3.0.1.1.7.9.8.1.21	APPENDIX Appendix F	Appendix F to Part 226 - Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b
12:3.0.1.1.7.9.8.1.22	APPENDIX Appendix G	Appendix G to Part 226 - Open-End Model Forms and Clauses
12:3.0.1.1.7.9.8.1.23	APPENDIX Appendix H	Appendix H to Part 226 - Closed-End Model Forms and Clauses
12:3.0.1.1.7.9.8.1.24	APPENDIX Appendix I	Appendix I to Part 226 - Federal Enforcement Agencies
12:3.0.1.1.7.9.8.1.25	APPENDIX Appendix J	Appendix J to Part 226 - Annual Percentage Rate Computations for Closed-End Credit Transactions
12:3.0.1.1.7.9.8.1.26	APPENDIX Appendix K	Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
12:3.0.1.1.7.9.8.1.27	APPENDIX Appendix L	Appendix L to Part 226 - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates
12:3.0.1.1.7.9.8.1.28	APPENDIX Appendix M1	Appendix M1 to Part 226 - Repayment Disclosures
12:3.0.1.1.7.9.8.1.29	APPENDIX Appendix M2	Appendix M2 to Part 226 - Sample Calculations of Repayment Disclosures
12:3.0.1.1.7.9.8.1.30	APPENDIX Appendix N	Appendix N to Part 226 - Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
12:3.0.1.1.7.9.8.1.31	APPENDIX Appendix O	Appendix O to Part 226 - Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
12:3.0.1.1.7.9.8.1.32	APPENDIX	Supplement I to Part 226 - Official Staff Interpretations

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