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.

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