Topic: Reg. Z – Truth in Lending
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CFPB: 12 CFR 1026
Truth in Lending (Reg. Z). Appendices, model forms, and commentary are included in the link to the last section of the regulation: Subpart A – General. Subpart B – Open-end […]
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FFIEC: HPML Calculator
Federal financial regulators have an online Rate Spread Calculator, which calculates the spread between the APR and the Average Prime Offer Rate for purposes of determining whether a loan is […]
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CFPB: What You Should Know about Home Equity Lines of Credit (01/14)
This brochure contains information on home equity lines of credit; includes a glossary of terms and a checklist to use in shopping for a plan. To print this brochure, select […]
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CFPB: Consumer Handbook on Adjustable Rate Mortgages (01/14)
Consumer Handbook on Adjustable-Rate Mortgages – CHARM booklet is required for adjustable rate mortgages. The booklet is also available in Spanish.
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B076 Reg. Z: Financing Credit Insurance
This release applies to all credit unions, both state and federal. It describes Truth in Lending regulations (Reg. Z) that prohibit lenders from financing any premiums or fees for credit […]
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B075 Reg. X & Reg. Z: Mortgage Servicing Rule
This release applies to all credit unions, both state and federal. It describes nine federal Mortgage Servicing Rule – regulations issued by the Consumer Financial Protection Bureau (CFPB) that address […]
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B074 Reg. Z: Ability-to-Repay / Qualified Mortgage Rule
This release applies to all credit unions, both state and federal. It describes a Truth in Lending regulation that requires lenders to consider a borrower’s ability to repay when originating […]
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B073 Skip-a-Payment Promotions
This release applies to all credit unions, state or federal. It addresses important issues regarding credit union official checks and member share drafts. It describes revisions to the Uniform Commercial […]
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B071 Reg. Z: Loan Originator Rule
This release applies to all credit unions, both state and federal. It describes the federal Loan Originator Rule – a set of requirements under the Truth in Lending act rules, […]
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B069 Private Student Loans
This release applies to federal and state credit unions. It describes special federal rules for private education loans, which took effect on February 14, 2010.