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.

12:9.0.1.1.1.1SUBPART A
Subpart A - General
12:9.0.1.1.1.1.1.1SECTION 1026.1
   1026.1 Authority, purpose, coverage, organization, enforcement, and liability.
12:9.0.1.1.1.1.1.2SECTION 1026.2
   1026.2 Definitions and rules of construction.
12:9.0.1.1.1.1.1.3SECTION 1026.3
   1026.3 Exempt transactions.
12:9.0.1.1.1.1.1.4SECTION 1026.4
   1026.4 Finance charge.
12:9.0.1.1.1.2SUBPART B
Subpart B - Open-End Credit
12:9.0.1.1.1.2.1.1SECTION 1026.5
   1026.5 General disclosure requirements.
12:9.0.1.1.1.2.1.2SECTION 1026.6
   1026.6 Account-opening disclosures.
12:9.0.1.1.1.2.1.3SECTION 1026.7
   1026.7 Periodic statement.
12:9.0.1.1.1.2.1.4SECTION 1026.8
   1026.8 Identifying transactions on periodic statements.
12:9.0.1.1.1.2.1.5SECTION 1026.9
   1026.9 Subsequent disclosure requirements.
12:9.0.1.1.1.2.1.6SECTION 1026.10
   1026.10 Payments.
12:9.0.1.1.1.2.1.7SECTION 1026.11
   1026.11 Treatment of credit balances; account termination.
12:9.0.1.1.1.2.1.8SECTION 1026.12
   1026.12 Special credit card provisions.
12:9.0.1.1.1.2.1.9SECTION 1026.13
   1026.13 Billing error resolution.
12:9.0.1.1.1.2.1.10SECTION 1026.14
   1026.14 Determination of annual percentage rate.
12:9.0.1.1.1.2.1.11SECTION 1026.15
   1026.15 Right of rescission.
12:9.0.1.1.1.2.1.12SECTION 1026.16
   1026.16 Advertising.
12:9.0.1.1.1.3SUBPART C
Subpart C - Closed-End Credit
12:9.0.1.1.1.3.1.1SECTION 1026.17
   1026.17 General disclosure requirements.
12:9.0.1.1.1.3.1.2SECTION 1026.18
   1026.18 Content of disclosures.
12:9.0.1.1.1.3.1.3SECTION 1026.19
   1026.19 Certain mortgage and variable-rate transactions.
12:9.0.1.1.1.3.1.4SECTION 1026.20
   1026.20 Disclosure requirements regarding post-consummation events.
12:9.0.1.1.1.3.1.5SECTION 1026.21
   1026.21 Treatment of credit balances.
12:9.0.1.1.1.3.1.6SECTION 1026.22
   1026.22 Determination of annual percentage rate.
12:9.0.1.1.1.3.1.7SECTION 1026.23
   1026.23 Right of rescission.
12:9.0.1.1.1.3.1.8SECTION 1026.24
   1026.24 Advertising.
12:9.0.1.1.1.4SUBPART D
Subpart D - Miscellaneous
12:9.0.1.1.1.4.1.1SECTION 1026.25
   1026.25 Record retention.
12:9.0.1.1.1.4.1.2SECTION 1026.26
   1026.26 Use of annual percentage rate in oral disclosures.
12:9.0.1.1.1.4.1.3SECTION 1026.27
   1026.27 Language of disclosures.
12:9.0.1.1.1.4.1.4SECTION 1026.28
   1026.28 Effect on state laws.
12:9.0.1.1.1.4.1.5SECTION 1026.29
   1026.29 State exemptions.
12:9.0.1.1.1.4.1.6SECTION 1026.30
   1026.30 Limitation on rates.
12:9.0.1.1.1.5SUBPART E
Subpart E - Special Rules for Certain Home Mortgage Transactions
12:9.0.1.1.1.5.1.1SECTION 1026.31
   1026.31 General rules.
12:9.0.1.1.1.5.1.2SECTION 1026.32
   1026.32 Requirements for high-cost mortgages.
12:9.0.1.1.1.5.1.3SECTION 1026.33
   1026.33 Requirements for reverse mortgages.
12:9.0.1.1.1.5.1.4SECTION 1026.34
   1026.34 Prohibited acts or practices in connection with high-cost mortgages.
12:9.0.1.1.1.5.1.5SECTION 1026.35
   1026.35 Requirements for higher-priced mortgage loans.
12:9.0.1.1.1.5.1.6SECTION 1026.36
   1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelling.
12:9.0.1.1.1.5.1.7SECTION 1026.37
   1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
12:9.0.1.1.1.5.1.8SECTION 1026.38
   1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
12:9.0.1.1.1.5.1.9SECTION 1026.39
   1026.39 Mortgage transfer disclosures.
12:9.0.1.1.1.5.1.10SECTION 1026.40
   1026.40 Requirements for home equity plans.
12:9.0.1.1.1.5.1.11SECTION 1026.41
   1026.41 Periodic statements for residential mortgage loans.
12:9.0.1.1.1.5.1.12SECTION 1026.42
   1026.42 Valuation independence.
12:9.0.1.1.1.5.1.13SECTION 1026.43
   1026.43 Minimum standards for transactions secured by a dwelling.
12:9.0.1.1.1.5.1.14SECTION 1026.44-1026.45
   1026.44-1026.45 [Reserved]
12:9.0.1.1.1.6SUBPART F
Subpart F - Special Rules for Private Education Loans
12:9.0.1.1.1.6.1.1SECTION 1026.46
   1026.46 Special disclosure requirements for private education loans.
12:9.0.1.1.1.6.1.2SECTION 1026.47
   1026.47 Content of disclosures.
12:9.0.1.1.1.6.1.3SECTION 1026.48
   1026.48 Limitations on private education loans.
12:9.0.1.1.1.7SUBPART G
Subpart G - Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students
12:9.0.1.1.1.7.1.1SECTION 1026.51
   1026.51 Ability to Pay.
12:9.0.1.1.1.7.1.2SECTION 1026.52
   1026.52 Limitations on fees.
12:9.0.1.1.1.7.1.3SECTION 1026.53
   1026.53 Allocation of payments.
12:9.0.1.1.1.7.1.4SECTION 1026.54
   1026.54 Limitations on the imposition of finance charges.
12:9.0.1.1.1.7.1.5SECTION 1026.55
   1026.55 Limitations on increasing annual percentage rates, fees, and charges.
12:9.0.1.1.1.7.1.6SECTION 1026.56
   1026.56 Requirements for over-the-limit transactions.
12:9.0.1.1.1.7.1.7SECTION 1026.57
   1026.57 Reporting and marketing rules for college student open-end credit.
12:9.0.1.1.1.7.1.8SECTION 1026.58
   1026.58 Internet posting of credit card agreements.
12:9.0.1.1.1.7.1.9SECTION 1026.59
   1026.59 Reevaluation of rate increases.
12:9.0.1.1.1.7.1.10SECTION 1026.60
   1026.60 Credit and charge card applications and solicitations.
12:9.0.1.1.1.7.1.11SECTION 1026.61
   1026.61 Hybrid prepaid-credit cards.
12:9.0.1.1.1.8SUBPART 0
12:9.0.1.1.1.9.1.1.1APPENDIX Appendix A
   Appendix A to Part 1026 - Effect on State Laws
12:9.0.1.1.1.9.1.1.2APPENDIX Appendix B
   Appendix B to Part 1026 - State Exemptions
12:9.0.1.1.1.9.1.1.3APPENDIX Appendix C
   Appendix C to Part 1026 - Issuance of Official Interpretations
12:9.0.1.1.1.9.1.1.4APPENDIX Appendix D
   Appendix D to Part 1026 - Multiple Advance Construction Loans
12:9.0.1.1.1.9.1.1.5APPENDIX Appendix E
   Appendix E to Part 1026 - Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
12:9.0.1.1.1.9.1.1.6APPENDIX 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
12:9.0.1.1.1.9.1.1.7APPENDIX Appendix G
   Appendix G to Part 1026 - Open-End Model Forms and Clauses
12:9.0.1.1.1.9.1.1.8APPENDIX Appendix H
   Appendix H to Part 1026 - Closed-End Model Forms and Clauses
12:9.0.1.1.1.9.1.1.9APPENDIX Appendix I
   Appendix I to Part 1026 [Reserved]
12:9.0.1.1.1.9.1.1.10APPENDIX Appendix J
   Appendix J to Part 1026 - Annual Percentage Rate Computations for Closed-End Credit Transactions
12:9.0.1.1.1.9.1.1.11APPENDIX Appendix K
   Appendix K to Part 1026 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
12:9.0.1.1.1.9.1.1.12APPENDIX Appendix L
   Appendix L to Part 1026 - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates
12:9.0.1.1.1.9.1.1.13APPENDIX Appendix M1
   Appendix M1 to Part 1026 - Repayment Disclosures
12:9.0.1.1.1.9.1.1.14APPENDIX Appendix M2
   Appendix M2 to Part 1026 - Sample Calculations of Repayment Disclosures
12:9.0.1.1.1.9.1.1.15APPENDIX Appendix N
   Appendix N to Part 1026 - Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
12:9.0.1.1.1.9.1.1.16APPENDIX Appendix O
   Appendix O to Part 1026 - Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
12:9.0.1.1.1.9.1.1.17APPENDIX Appendix P
   Appendix P to Part 1026 [Reserved]
12:9.0.1.1.1.9.1.1.18APPENDIX Appendix Q
   Appendix Q to Part 1026 - Standards for Determining Monthly Debt and Income
12:9.0.1.1.1.9.1.1.19APPENDIX
   Supplement I to Part 1026 - Official Interpretations