Issued by FDIC
Part 1026 - Truth in Lending (Regulation Z)
Bureau of Consumer Financial Protection — 12 CFR Chapter X
Click HERE for a table of recent Federal Register and other documents affecting this regulation.
Click HERE for CFPB Title XIV Rule Implementation Resources for Ability to Repay/QM, 2013 HOEPA, Loan Originator, TILA HPML Appraisals, Escrows, and TILA and RESPA Servicing rules.
Click HERE for CFPB TILA/RESPA Integrated Disclosure (TRID) Rule Implementation Resources.
Sections of the regulation with pending amendments are indicated below with an asterisk (*).
- 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.
- 1026.11—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.
- 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.*
- 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.
- 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 Repay
- 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 -- Hybrid prepaid-credit cards.
- Appendix A—Effect on State Laws
- Appendix B—State Exemptions
- Appendix C—Issuance of Official 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 Credit Plans Secured by a Consumer's Dwelling
- Appendix G—Open-End Model Forms and Clauses
- Appendix H—Closed-End Model Forms and Clauses
- Appendix I [Reserved]
- 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
- Appendix M1—Repayment Disclosures
- Appendix M2—Sample Calculations of Repayment Disclosures
- Appendix N—Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
- Appendix O—Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
- Appendix P [Reserved]
- Appendix Q—Standards for Determining Monthly Debt and Income
- Federal Register Resources
- Supplement I—Official Interpretations
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