Reg. Z – Truth in Lending

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Compliance Couriers

CFPB adjusts 2024 HMDA, HPML escrow, and “small creditor” exemption amounts

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CFPB adjusts 2025 HMDA, HPML escrow, and “small creditor” exemption amounts

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CFPB adjusts 2026 HMDA, HPML escrow, and “small creditor” exemption amounts

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CFPB announces 2022 HMDA and “small creditor” exemption amounts

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CFPB bars lenders from considering medical debt; lawsuit already filed

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CFPB increases regulatory exemption amounts

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CFPB proposal would lower limits on credit card late fees

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CFPB updates 2022 dollar amounts for credit card penalties, HOEPA triggers and QM limits

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CFPB Updates 2026 Dollar Amounts for Credit Card Minimum Interest Disclosures, HOEPA Triggers, and QM Limits

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CFPB updates three regulatory exemption amounts for 2025

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CFPB updates three regulatory exemption amounts for 2026

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CFPB: Lenders can’t discriminate based on sexual orientation, gender identity

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League joins “friend of the court” brief opposing OD rule

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New Juneteenth federal holiday seems to have immediate compliance implications

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Federal Regulations

CFPB: 12 CFR 1026

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CFPB: 12 CFR 1026 Appendix D to Part 1026

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CFPB: 12 CFR 1026_Appendix Q to Part 1026

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CFPB: 12 CFR 1026_Supplement I to Part 1026

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CFPB: 12 CFR 1026._4

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CFPB: 12 CFR 1026._6

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CFPB: 12 CFR 1026._7

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CFPB: 12 CFR 1026._9

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CFPB: 12 CFR 1026.13

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CFPB: 12 CFR 1026.15

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CFPB: 12 CFR 1026.16

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CFPB: 12 CFR 1026.24

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CFPB: 12 CFR 1026.31 to 1026.39

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CFPB: 12 CFR 1026.34

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CFPB: 12 CFR 1026.35

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CFPB: 12 CFR 1026.36

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CFPB: 12 CFR 1026.40

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CFPB: 12 CFR 1026.43

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CFPB: 12 CFR 1026.60

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FED REG: Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z), Federal Register 78 FR 79730 (Dec. 31, 2013)

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ii Releases

B001 Scope of Lending Laws

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B002 Variable Rate Adjustment Notices

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B014 Real Estate Settlement Procedures Act (RESPA)

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B020 Basics of Construction Lending

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B029 Closing Loans by Mail and Delayed Disclosures

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B030 Adjustable Rate Mortgage Lending Programs

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B035 Single Payment Loans

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B036 Reg. Z – Right of Rescission

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B042 Reg. Z – Closed-End Credit Disclosures

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B046 Consumer Kwik-Cash Loans

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B062 Reg. Z: Home Ownership & Equity Protection Act (HOEPA) Rule

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B064 R.E.A.P. & Home Equity Lines of Credit

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B068 Reg. Z – Higher-Priced Mortgage Loans

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B069 Private Student Loans

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B071 Reg. Z: Loan Originator Rule

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B073 Skip-a-Payment Promotions

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B074 Reg. Z: Ability-to-Repay / Qualified Mortgage Rule

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B075 Reg. X & Reg. Z: Mortgage Servicing Rule

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B076 Reg. Z: Financing Credit Insurance

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B082 Understanding Finance Charges for Closed-End Credit

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Resources

America’s Credit Unions : e-Guide – Truth in Lending (Reg. Z)

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CFPB: 2013 Real Estate Settlement Procedures Act (Regulation X) and Truth in Lending Act (Regulation Z) Mortgage Servicing Final Rules – Small Entity Compliance Guide (November 3, 2014)

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CFPB: 2013 RESPA (Reg. X) & TILA (Reg. Z) Mortgage Servicing Final Rules, (February 14, 2013) (Eff. January 10, 2014)

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CFPB: Ability to Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Reg. Z), (January 30, 2013) (Eff. January 10, 2014)

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CFPB: Ability-to-Repay and Qualified Mortgage Rule video transcript (5/14/2013)

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CFPB: Ability-to-Repay and Qualified Mortgage Rule, Small Entity Compliance Guide (11/3/2014)

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CFPB: Comparison chart: Ability to Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Reg. Z), (April 16, 2014) (Eff. January 10, 2014)

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CFPB: Consumer Handbook on Adjustable Rate Mortgages (01/14)

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CFPB: Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth In Lending Act (Regulation Z), Federal Register 78 FR 79730 (Dec. 31, 2013)

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CFPB: Memorandum on Ensuring Equal Treatment for Same-Sex Married Couples (June 25, 2014)

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CFPB: Summary of the rule: 2013 RESPA (Reg. X) & Truth in Lending Act (Reg. Z) Mortgage Servicing Final Rules, (February 14, 2013) (Eff. January 10, 2014)

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CFPB: TILA Higher-Priced Mortgage Loans (HPML) Escrow Rule – Small Entity Compliance Guide (January 6, 2014)

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CFPB: What You Should Know about Home Equity Lines of Credit (01/14)

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FFIEC: HPML Calculator

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FRB: Consumer Compliance Handbook – Reg. Z: Truth in Lending (11/08) 37 pp.

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OCC: Truth in Lending – Comptroller’s Handbook (December 2010, 256 pp.)

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Other

#82057 – Federal Truth In Lending Disclosure, Personal (Rev. 11/13), (MLA v. Rev. 8/16)

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Reg. Z Adjustable Rate Mortgage (ARM) Application Sample Disclosure (12/2013)

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