Important Note: On January 12, 2010, the Federal Reserve Board announced final rules amending Regulation Z to implement several provisions of the Credit CARD Act of 2009, which made extensive revisions to the Truth in Lending Act. In connection with that announcement, the Board withdrew amendments published January 29, 2009 that would have been effective July 1, 2010. The provisions of the final rule announced January 12, 2010 are effective February 22, 2010. The mandatory compliance dates for some provisions of the rules announced January 12, 2010 are deferred until July 1, 2010.
Subpart A--General
Sec. 226.1 - Authority, purpose, coverage, organization,
enforcement and liability.
Sec. 226.2 - Definitions and rules of construction.
Sec. 226.3 - Exempt transactions.
Sec. 226.4 - Finance charge.
Subpart B--Open-End Credit
Sec. 226.5 - General disclosure requirements.
Sec. 226.5a - Credit and charge card applications
and solicitations.
Sec. 226.5b - Requirements for home equity plans.
Sec. 226.6 - Initial disclosure statement.
(Effective 2/22/2010, Account Opening Disclosures.) Sec. 226.7 - Periodic statement.
Sec. 226.8 - Identification of transactions.
(Effective 2/22/2010, Identifying transactions on periodic statements.) Sec. 226.9 - Subsequent disclosure requirements.
Sec. 226.10 - Prompt crediting of payments.
(Effective 2/22/2010, Payments.) Sec. 226.11 - Treatment of credit balances.
(Effective 2/22/2010, Treatment of credit balances; account termination.) Sec. 226.12 - Special credit card provisions.
Sec. 226.13 - Billing error resolution.
Sec. 226.14 - Determination of annual percentage
rate.
Sec. 226.15 - Right of rescission.
Sec. 226.16 - Advertising.
Subpart C--Closed-End Credit
Sec. 226.17 - General disclosure requirements.
Sec. 226.18 - Content of disclosures.
Sec. 226.19 - Certain mortgage and
variable-rate transactions.
Sec. 226.20 - Subsequent disclosure requirements.
Sec. 226.21 - Treatment of credit balances.
Sec. 226.22 - Determination of annual percentage
rate.
Sec. 226.23 - Right of rescission.
Sec. 226.24 - Advertising.
Subpart E--Special Rules for Certain Home Mortgage Transactions
Sec. 226.31 - General rules.
Sec. 226.32 - Requirements for certain closed-end
home mortgages.
Sec. 226.33 - Requirements for reverse mortgages.
Sec. 226.34 - Prohibited acts or practices in connection with credit subject to Sec. 226.32.
Sec. 226.35 - Prohibited acts or practices in connection with higher-priced mortgage loans.
Sec. 226.36 - Prohibited acts or practices in connection with credit secured by a consumer's principal dwelling.
Subpart F -- Special Rules for Private Education Loans
Sections 226.46 through 226.48 added, effective 9/14/2009 (mandatory compliance 2/14/2010)
Sec. 226.46 - Special disclosure requirements for private education loans.
Sec. 226.47 - Content of disclosures.
Sec. 226.48 - Limitations on private education loans.
Subpart G -- Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students
Sections 226.51 through 226.58 added, effective 2/22/2010 (mandatory compliance 2/22/2010)
Sec. 226.51 - Ability to pay.
Sec. 226.52 - Limitations on fees.
Sec. 226.53 - Allocation of payments.
Sec. 226.54 - Limitations on the imposition of finance charges.
Sec. 226.55 - Limitations on increasing annual percentage rates, fees, and charges.
Sec. 226.56 - Requirements of over-the-limit transactions.
Sec. 226.57 - Reporting and marketing rules for college student open-end credit.
Sec. 226.58 - Internet posting of credit card agreements.
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