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Code of Federal Regulations (Last Updated: November 8, 2024) |
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Title 12 - Banks and Banking |
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Chapter X - Bureau of Consumer Financial Protection |
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Part 1026 - Truth in Lending (Regulation Z) |
| Subpart A - General |
| § 1026.1 - Authority, purpose, coverage, organization, enforcement, and liability. |
| § 1026.2 - Definitions and rules of construction. |
| § 1026.3 - Exempt transactions. |
| § 1026.4 - Finance charge. |
| Subpart B - Open-End Credit |
| § 1026.5 - General disclosure requirements. |
| § 1026.6 - Account-opening disclosures. |
| § 1026.7 - Periodic statement. |
| § 1026.8 - Identifying transactions on periodic statements. |
| § 1026.9 - Subsequent disclosure requirements. |
| § 1026.10 - Payments. |
| § 1026.11 - Treatment of credit balances; account termination. |
| § 1026.12 - Special credit card provisions. |
| § 1026.13 - Billing error resolution. |
| § 1026.14 - Determination of annual percentage rate. |
| § 1026.15 - Right of rescission. |
| § 1026.16 - Advertising. |
| Subpart C - Closed-End Credit |
| § 1026.17 - General disclosure requirements. |
| § 1026.18 - Content of disclosures. |
| § 1026.19 - Certain mortgage and variable-rate transactions. |
| § 1026.20 - Disclosure requirements regarding post-consummation events. |
| § 1026.21 - Treatment of credit balances. |
| § 1026.22 - Determination of annual percentage rate. |
| § 1026.23 - Right of rescission. |
| § 1026.24 - Advertising. |
| Subpart D - Miscellaneous |
| § 1026.25 - Record retention. |
| § 1026.26 - Use of annual percentage rate in oral disclosures. |
| § 1026.27 - Language of disclosures. |
| § 1026.28 - Effect on state laws. |
| § 1026.29 - State exemptions. |
| § 1026.30 - Limitation on rates. |
| Subpart E - Special Rules for Certain Home Mortgage Transactions |
| § 1026.31 - General rules. |
| § 1026.32 - Requirements for high-cost mortgages. |
| § 1026.33 - Requirements for reverse mortgages. |
| § 1026.34 - Prohibited acts or practices in connection with high-cost mortgages. |
| § 1026.35 - Requirements for higher-priced mortgage loans. |
| § 1026.36 - Prohibited acts or practices and certain requirements for credit secured by a dwelling. |
| § 1026.37 - Content of disclosures for certain mortgage transactions (Loan Estimate). |
| § 1026.38 - Content of disclosures for certain mortgage transactions (Closing Disclosure). |
| § 1026.39 - Mortgage transfer disclosures. |
| § 1026.40 - Requirements for home equity plans. |
| § 1026.41 - Periodic statements for residential mortgage loans. |
| § 1026.42 - Valuation independence. |
| § 1026.43 - Minimum standards for transactions secured by a dwelling. |
| §§ 1026.43--1026.45 - [Reserved] |
| §§ 1026.44--1026.45 - [Reserved] |
| §§ 1026.37--1026.38 - [Reserved] |
| Subpart F - Special Rules for Private Education Loans |
| § 1026.46 - Special disclosure requirements for private education loans. |
| § 1026.47 - Content of disclosures. |
| § 1026.48 - Limitations on private education loans. |
| Subpart G - Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students |
| § 1026.51 - Ability to Pay. |
| § 1026.52 - Limitations on fees. |
| § 1026.53 - Allocation of payments. |
| § 1026.54 - Limitations on the imposition of finance charges. |
| § 1026.55 - Limitations on increasing annual percentage rates, fees, and charges. |
| § 1026.56 - Requirements for over-the-limit transactions. |
| § 1026.57 - Reporting and marketing rules for college student open-end credit. |
| § 1026.58 - Internet posting of credit card agreements. |
| § 1026.59 - Reevaluation of rate increases. |
| § 1026.60 - Credit and charge card applications and solicitations. |
| § 1026.61 - XXX |
| Appendix A to Part 1026 - Effect on State Laws |
| Appendix B to Part 1026 - State Exemptions |
| Appendix C to Part 1026 - Issuance of Official Interpretations |
| Appendix D to Part 1026 - Multiple Advance Construction Loans |
| Appendix E to Part 1026 - Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis |
| Appendix F to Part 1026 - Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer's Dwelling |
| Appendix G to Part 1026 - —Open-End Model Forms and Clauses |
| Appendix H to Part 1026 - —Closed-End Model Forms and Clauses |
| Appendix I to Part 1026 |
| Appendix I to Part 1026 - [Reserved] |
| Appendix J to Part 1026 - Annual Percentage Rate Computations for Closed-End Credit Transactions |
| Appendix K to Part 1026 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions |
| Appendix L to Part 1026 - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates |
| Appendix M1 to Part 1026 - Repayment Disclosures |
| Appendix M2 to Part 1026 - Sample Calculations of Repayment Disclosures |
| Appendix N to Part 1026 - Higher-Priced Mortgage Loan Appraisal Safe Harbor Review |
| Appendix O to Part 1026 - Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules |
| Appendix P to Part 1026 |
| Appendix P to Part 1026 - [Reserved] |
| Appendix Q to Part 1026 - Standards for Determining Monthly Debt and Income |
| Supplement I to Part 1026 - —Official Interpretations |
| Appendixes N--P to Part 1026 - [Reserved] |
| Appendixes N--Q to Part 1026C - xxx |