Regulation Z — Truth in Lending
Supplement I to Part 226—Official Staff Interpretations
[BOL Editor's Note: Each of the sections of the Official Staff Interpretations is set out on a separate page, and linked below.]
Introduction
Section 226.1—Authority, Purpose, Coverage, Organization, Enforcement and Liability
Section 226.2—Definitions and Rules of Construction7/21
Section 226.3—Exempt Transactions7/21
Section 226.4—Finance Charge
Subpart B—Open-End Credit
Section 226.5—General Disclosure Requirements10/1
Section 226.5a Credit and Charge Card Applications and Solicitations10/1
Section 226.5b Requirements for Home Equity Plans
Section 226.6 Account Opening Disclosures10/1
Section 226.7—Periodic Statement10/1
Section 226.8—Identifying Transactions on Periodic Statements.
Section 226.9—Subsequent Disclosure Requirements10/1
Section 226.10—Prompt Crediting of Payments10/1
Section 226.11—Treatment of Credit Balances; Account Termination
Section 226.12—Special Credit Card Provisions10/1
Section 226.13—Billing Error Resolution10/1
Section 226.14—Determination of Annual Percentage Rate10/1
Section 226.15—Right of Rescission
Section 226.16—Advertising10/1
Subpart C—Closed-End Credit
Section 226.17—General Disclosure Requirements
Section 226.18—Content of Disclosures
Section 226.19—Certain Residential Mortgage and Variable-Rate Transactions
Section 226.20 Subsequent Disclosure Requirements
Section 226.21—Treatment of Credit Balances
Section 226.22—Determination of the Annual Percentage Rate
Section 226.23—Right of Rescission7/21
Section 226.24—Advertising
Section 226.25—Record Retention
Section 226.26—Use of Annual Percentage Rate in Oral Disclosures
Section 226.27—Language of Disclosures
Section 226.28—Effect on State Laws
Section 226.29—State Exemptions
Section 226.30—Limitation on Rates10/1
Subpart E—Special Rules for Certain Home Mortgage Transactions
Section 226.31—General Rules
Section 226.32—Requirements for Certain Closed-End Home Mortgages
Section 226.33—Requirements for Reverse Mortgages
Section 226.34—Prohibited Acts or Practices for Loans Subject to Sec. 226.32.
Section 226.35—Prohibited Acts or Practices in Connection with Higher-priced Mortgage Loans
Section 226.36—Prohibited Acts or Practices in Connection with Credit Secured by a Dwelling
Section 226.39—Mortgage Transfer Notices
Section 226.42—Valuation Independence
Subpart F—Special Rules for Private Education Loans
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
Sec. 226.51 - Ability to pay.10/1
Sec. 226.52 - Limitations on fees.10/1
Sec. 226.53 - Allocation of payments.10/1
Sec. 226.54 - Limitatons on the imposition of finance charges.
Sec. 226.55 - Limitations on increasing annual percentage rates, fees, and charges.10/1
Sec. 226.56 - Requirements for 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.10/1
Sec. 226.59 - Reevaluation of rate increases.10/1
Appendix A—Effect on State Laws
Appendix B—State Exemptions
Appendix C—Issuance of Staff Interpretations
Appendix D—Multiple-Advance Construction Loans
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.
Appendices G and H—Open-End and Closed-End Model Forms and Clauses
Appendix I—Federal Enforcement Agencies
Appendix J—Annual Percentage Rate Computations for Closed-End Credit Transactions
Appendix K—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
Appendix L—Assumed Loan Periods for Computations of Total Annual Loan Cost Rates
7/21 -With amendments effective 7/21/2011
10/1 - With amendment effective 10/1/11 (earlier compliance optional)
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