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Electronic Code of Federal Regulations

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e-CFR Data is current as of April 15, 2014

TITLE 12—Banks and Banking

CHAPTER II—FEDERAL RESERVE SYSTEM (CONTINUED)

SUBCHAPTER A—BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM (CONTINUED)

PART 226—TRUTH IN LENDING (REGULATION Z)

rule

Subpart A—GENERAL

§226.1
Authority, purpose, coverage, organization, enforcement, and liability.
§226.2
Definitions and rules of construction.
§226.3
Exempt transactions.
§226.4
Finance charge.
rule

Subpart B—OPEN-END CREDIT

§226.5
General disclosure requirements.
§226.5a
Credit and charge card applications and solicitations.
§226.5b
Requirements for home equity plans.
§226.6
Account-opening disclosures.
§226.7
Periodic statement.
§226.8
Identifying transactions on periodic statements.
§226.9
Subsequent disclosure requirements.
§226.10
Payments.
§226.11
Treatment of credit balances; account termination.
§226.12
Special credit card provisions.
§226.13
Billing error resolution.
§226.14
Determination of annual percentage rate.
§226.15
Right of rescission.
§226.16
Advertising.
rule

Subpart C—CLOSED-END CREDIT

§226.17
General disclosure requirements.
§226.18
Content of disclosures.
§226.19
Certain mortgage and variable-rate transactions.
§226.20
Subsequent disclosure requirements.
§226.21
Treatment of credit balances.
§226.22
Determination of annual percentage rate.
§226.23
Right of rescission.
§226.24
Advertising.
rule

Subpart D—MISCELLANEOUS

§226.25
Record retention.
§226.26
Use of annual percentage rate in oral disclosures.
§226.27
Language of disclosures.
§226.28
Effect on State laws.
§226.29
State exemptions.
§226.30
Limitation on rates.
rule

Subpart E—SPECIAL RULES FOR CERTAIN HOME MORTGAGE TRANSACTIONS

§226.31
General rules.
§226.32
Requirements for certain closed-end home mortgages.
§226.33
Requirements for reverse mortgages.
§226.34
Prohibited acts or practices in connection with credit subject to §226.32.
§226.35
Prohibited acts or practices in connection with higher-priced mortgage loans.
§226.36
Prohibited acts or practices in connection with credit secured by a dwelling.
§§226.37-226.38
[Reserved]
§226.39
Mortgage transfer disclosures.
§§226.40-226.41
[Reserved]
§226.42
Valuation independence.
§226.43
Appraisals for higher-priced mortgage loans.
§§226.44-226.45
[Reserved]
rule

Subpart F—SPECIAL RULES FOR PRIVATE EDUCATION LOANS

§226.46
Special disclosure requirements for private education loans.
§226.47
Content of disclosures.
§226.48
Limitations on private education loans.
Appendix
Appendix A to Part 226—Effect on State Laws
rule

Subpart G—SPECIAL RULES APPLICABLE TO CREDIT CARD ACCOUNTS AND OPEN-END CREDIT OFFERED TO COLLEGE STUDENTS

§226.51
Ability to Pay.
§226.52
Limitations on fees.
§226.53
Allocation of payments.
§226.54
Limitations on the imposition of finance charges.
§226.55
Limitations on increasing annual percentage rates, fees, and charges.
§226.56
Requirements for over-the-limit transactions.
§226.57
Reporting and marketing rules for college student open-end credit.
§226.58
Internet posting of credit card agreements.
§226.59
Reevaluation of rate increases.
Appendix
Appendix B to Part 226—State Exemptions
Appendix
Appendix C to Part 226—Issuance of Staff Interpretations
Appendix
Appendix D to Part 226—Multiple Advance Construction Loans
Appendix
Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
Appendix
Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the Requirements of §226.5b
Appendix
Appendix G to Part 226—Open-End Model Forms and Clauses
Appendix
Appendix H to Part 226— Closed-End Model Forms and Clauses
Appendix
Appendix I to Part 226—Federal Enforcement Agencies
Appendix
Appendix J to Part 226—Annual Percentage Rate Computations for Closed-End Credit Transactions
Appendix
Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
Appendix
Appendix L to Part 226—Assumed Loan Periods for Computations of Total Annual Loan Cost Rates
Appendix
Appendix M1 to Part 226—Repayment Disclosures
Appendix
Appendix M2 to Part 226—Sample Calculations of Repayment Disclosures
Appendix
Appendix N to Part 226—Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
Appendix
Appendix O to Part 226—Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
Appendix
Supplement I to Part 226—Official Staff Interpretations


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