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Title 12

Displaying title 12, up to date as of 7/08/2026. Title 12 was last amended 7/01/2026.
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PART 1026—TRUTH IN LENDING (REGULATION Z)

Source:

76 FR 79772, Dec. 22, 2011, unless otherwise noted.

Title 12Banks and BankingPart / Section
Chapter XConsumer Financial Protection Bureau1000 – 1099
Part 1026Truth in Lending (Regulation Z)1026.1 – 1026.62
Subpart AGeneral1026.1 – 1026.4
§ 1026.1Authority, purpose, coverage, organization, enforcement, and liability.
§ 1026.2Definitions and rules of construction.
§ 1026.3Exempt transactions.
§ 1026.4Finance charge.
Subpart BOpen-End Credit1026.5 – 1026.16
§ 1026.5General disclosure requirements.
§ 1026.6Account-opening disclosures.
§ 1026.7Periodic statement.
§ 1026.8Identifying transactions on periodic statements.
§ 1026.9Subsequent disclosure requirements.
§ 1026.10Payments.
§ 1026.11Treatment of credit balances; account termination.
§ 1026.12Special credit card provisions.
§ 1026.13Billing error resolution.
§ 1026.14Determination of annual percentage rate.
§ 1026.15Right of rescission.
§ 1026.16Advertising.
Subpart CClosed-End Credit1026.17 – 1026.24
§ 1026.17General disclosure requirements.
§ 1026.18Content of disclosures.
§ 1026.19Certain mortgage and variable-rate transactions.
§ 1026.20Disclosure requirements regarding post-consummation events.
§ 1026.21Treatment of credit balances.
§ 1026.22Determination of annual percentage rate.
§ 1026.23Right of rescission.
§ 1026.24Advertising.
Subpart DMiscellaneous1026.25 – 1026.30
§ 1026.25Record retention.
§ 1026.26Use of annual percentage rate in oral disclosures.
§ 1026.27Language of disclosures.
§ 1026.28Effect on state laws.
§ 1026.29State exemptions.
§ 1026.30Limitation on rates.
Subpart ESpecial Rules for Certain Home Mortgage Transactions1026.31 – 1026.45
§ 1026.31General rules.
§ 1026.32Requirements for high-cost mortgages.
§ 1026.33Requirements for reverse mortgages.
§ 1026.34Prohibited acts or practices in connection with high-cost mortgages.
§ 1026.35Requirements for higher-priced mortgage loans.
§ 1026.36Prohibited acts or practices and certain requirements for credit secured by a dwelling.
§ 1026.37Content of disclosures for certain mortgage transactions (Loan Estimate).
§ 1026.38Content of disclosures for certain mortgage transactions (Closing Disclosure).
§ 1026.39Mortgage transfer disclosures.
§ 1026.40Requirements for home equity plans.
§ 1026.41Periodic statements for residential mortgage loans.
§ 1026.42Valuation independence.
§ 1026.43Minimum standards for transactions secured by a dwelling.
§§ 1026.44-1026.45 [Reserved]
Subpart FSpecial Rules for Private Education Loans1026.46 – 1026.48
§ 1026.46Special disclosure requirements for private education loans.
§ 1026.47Content of disclosures.
§ 1026.48Limitations on private education loans.
Subpart GSpecial Rules Applicable to Credit Card Accounts and Open-End Credit Offered to College Students1026.51 – 1026.62
§ 1026.51Ability to Pay.
§ 1026.52Limitations on fees.
§ 1026.53Allocation of payments.
§ 1026.54Limitations on the imposition of finance charges.
§ 1026.55Limitations on increasing annual percentage rates, fees, and charges.
§ 1026.56Requirements for over-the-limit transactions.
§ 1026.57Reporting and marketing rules for college student open-end credit.
§ 1026.58Internet posting of credit card agreements.
§ 1026.59Reevaluation of rate increases.
§ 1026.60Credit and charge card applications and solicitations.
§ 1026.61Hybrid prepaid-credit cards.
§ 1026.62Overdraft credit.
Appendix A to Part 1026
Effect on State Laws
Appendix B to Part 1026
State Exemptions
Appendix C to Part 1026
Issuance of Official Interpretations
Appendix D to Part 1026
Multiple Advance Construction Loans
Appendix E to Part 1026
Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
Appendix F to Part 1026
Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit Plans Secured by a Consumer's Dwelling
Appendix G to Part 1026
Open-End Model Forms and Clauses
Appendix H to Part 1026
Closed-End Model Forms and Clauses
Appendix I to Part 1026 [Reserved]
Appendix J to Part 1026
Annual Percentage Rate Computations for Closed-End Credit Transactions
Appendix K to Part 1026
Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
Appendix L to Part 1026
Assumed Loan Periods for Computations of Total Annual Loan Cost Rates
Appendix M1 to Part 1026
Repayment Disclosures
Appendix M2 to Part 1026
Sample Calculations of Repayment Disclosures
Appendix N to Part 1026
Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
Appendix O to Part 1026
Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
Appendix P to Part 1026 [Reserved]
Supplement I to Part 1026
Official Interpretations