Definition says Residential loan means any loan primarily for personal, family, or household use that is secured by a mortgage--does that include land only which states purpose as "provide funds for purchase of land which will be held for future family development"?

Keep reading. A dwelling must be involved.

Residential mortgage loan means any loan primarily for personal, family, or household use that is secured by a mortgage, deed of trust, or other equivalent consensual security interest on a dwelling (as defined in section 103(v) of the Truth in Lending Act, 15 U.S.C. 1602(v)) or residential real estate upon which is constructed or intended to be constructed a dwelling, and includes refinancings, reverse mortgages, home equity lines of credit and other first and additional lien loans that meet the qualifications listed in this definition. This definition does not amend or supersede 12 CFR 613.3030(c) with respect to Farm Credit System institutions.

What about the "Intended to be constructed a dwelling"?

Yes, intended to be constructed as a dwelling is covered as well.

Pure land loans are not, including those "held for future development", in my opinion, if there is no immediate (near future) plan to build a home. I assume you are discussing consumer purpose here. A builder buying land for future development would not be covered.

Thanks for the clarification.

Is there any guidance on what timeframe for intended to construct a dwelling requires disclosures under this reg?