Code of Federal Regulations (Last Updated: October 10, 2024) |
Title 12 - Banks and Banking |
Chapter II - Federal Reserve System |
SubChapter A - Board of Governors of the Federal Reserve System |
Part 226 - Truth in Lending (Regulation Z) |
Subpart A - General |
§ 226.1 - Authority, purpose, coverage, organization, enforcement, and liability. |
§ 226.2 - Definitions and rules of construction. |
§ 226.3 - Exempt transactions. |
§ 226.4 - Finance charge. |
Subpart B - Open-End Credit |
§ 226.5 - General disclosure requirements. |
§ 226.6 - Account-opening disclosures. |
§ 226.7 - Periodic statement. |
§ 226.8 - Identifying transactions on periodic statements. |
§ 226.9 - Subsequent disclosure requirements. |
§ 226.10 - Payments. |
§ 226.11 - Treatment of credit balances; account termination. |
§ 226.12 - Special credit card provisions. |
§ 226.13 - Billing error resolution. |
§ 226.14 - Determination of annual percentage rate. |
§ 226.15 - Right of rescission. |
§ 226.16 - Advertising. |
§ 226.5a - Credit and charge card applications and solicitations. |
§ 226.5b - Requirements for home equity plans. |
Subpart C - Closed-End Credit |
§ 226.17 - General disclosure requirements. |
§ 226.18 - Content of disclosures. |
§ 226.19 - Certain mortgage and variable-rate transactions. |
§ 226.20 - Subsequent disclosure requirements. |
§ 226.21 - Treatment of credit balances. |
§ 226.22 - Determination of annual percentage rate. |
§ 226.23 - Right of rescission. |
§ 226.24 - Advertising. |
Subpart D - Miscellaneous |
§ 226.25 - Record retention. |
§ 226.26 - Use of annual percentage rate in oral disclosures. |
§ 226.27 - Language of disclosures. |
§ 226.28 - Effect on State laws. |
§ 226.29 - State exemptions. |
§ 226.30 - Limitation on rates. |
Subpart E - Special Rules for Certain Home Mortgage Transactions |
§ 226.31 - General rules. |
§ 226.32 - Requirements for certain closed-end home mortgages. |
§ 226.33 - Requirements for reverse mortgages. |
§ 226.34 - Prohibited acts or practices in connection with credit subject to § 226.32. |
§ 226.35 - Prohibited acts or practices in connection with higher-priced mortgage loans. |
§ 226.36 - Prohibited acts or practices in connection with credit secured by a dwelling. |
§ 226.39 - Mortgage transfer disclosures. |
§§ 226.40--226.41 - [Reserved] |
§ 226.42 - Valuation independence. |
§ 226.43 - Appraisals for higher-priced mortgage loans. |
§§ 226.40--226.45 - [Reserved] |
§§ 226.43--226.45 - [Reserved] |
§§ 226.44--226.45 - [Reserved] |
§§ 226.37--226.38 - [Reserved] |
Subpart F - Special Rules for Private Education Loans |
§ 226.46 - Special disclosure requirements for private education loans. |
§ 226.47 - Content of disclosures. |
§ 226.48 - Limitations on private education loans. |
Appendix M3 to Part 226 - Sample Calculations of Generic Repayment Estimates and Actual Repayment Disclosures |
Subpart G - Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students |
§ 226.51 - Ability to Pay. |
§ 226.52 - Limitations on fees. |
§ 226.53 - Allocation of payments. |
§ 226.54 - Limitations on the imposition of finance charges. |
§ 226.55 - Limitations on increasing annual percentage rates, fees, and charges. |
§ 226.56 - Requirements for over-the-limit transactions. |
§ 226.57 - Reporting and marketing rules for college student open-end credit. |
§ 226.58 - Internet posting of credit card agreements. |
§ 226.59 - Reevaluation of rate increases. |
Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b |
Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis |
Appendix E - Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis |
Appendix F - Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b |
Appendix A to Part 226 - Effect on State Laws |
Appendix B to Part 226 - State Exemptions |
Appendix C to Part 226 - Issuance of Staff Interpretations |
Appendix D to Part 226 - Multiple Advance Construction Loans |
Appendix E to Part 226 - Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis |
Appendix F to Part 226 - Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b |
Appendix G to Part 226 - Open-End Model Forms and Clauses |
Appendix H to Part 226 - Closed-End Model Forms and Clauses |
Appendix I to Part 226 - Federal Enforcement Agencies |
Appendix J to Part 226 - Annual Percentage Rate Computations for Closed-End Credit Transactions |
Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions |
Appendix L to Part 226 - Assumed Loan Periods for Computations of Total Annual Loan Cost Rates |
Appendix M1 to Part 226 - Repayment Disclosures |
Appendix M2 to Part 226 - Sample Calculations of Repayment Disclosures |
Appendix N to Part 226 - Higher-Priced Mortgage Loan Appraisal Safe Harbor Review |
Appendix O to Part 226 - Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules |
Supplement I to Part 226 - —Official Staff Interpretations |