Regulation Z

E20095

United States federal regulation consumer protection regulation implementing regulation of the Truth in Lending Act

Regulation Z is a key U.S. federal rule implementing the Truth in Lending Act, requiring clear disclosure of credit terms and costs to protect consumers in credit transactions.

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Observed surface forms (1)

Surface form	Occurrences
Truth in Lending Act	1

Statements (51)

Predicate	Object
instanceOf	United States federal regulation ⓘ consumer protection regulation ⓘ implementing regulation of the Truth in Lending Act ⓘ
administeredBy	Consumer Financial Protection Bureau ⓘ
appliesTo	closed-end credit ⓘ consumer credit transactions ⓘ credit cards ⓘ home equity lines of credit ⓘ mortgage loans ⓘ open-end credit ⓘ refinancings of consumer credit ⓘ
contains	ability-to-repay requirements for certain mortgages ⓘ error resolution procedures for credit card accounts ⓘ limitations on certain mortgage loan terms and fees ⓘ periodic statement requirements for open-end credit ⓘ qualified mortgage standards ⓘ requirements for high-cost mortgages ⓘ requirements for higher-priced mortgage loans ⓘ rules on advertising of consumer credit ⓘ rules on credit card disclosures ⓘ rules on right of rescission for certain home-secured loans ⓘ rules on variable-rate disclosures ⓘ
country	United States of America ⓘ surface form: United States
enforcedBy	Consumer Financial Protection Bureau ⓘ Federal Trade Commission for certain entities ⓘ federal banking regulators ⓘ
excludes	most business-purpose credit ⓘ most commercial-purpose credit ⓘ
formerLegalCitation	12 CFR Part 226 ⓘ
implements	Regulation Z self-linksurface differs ⓘ surface form: Truth in Lending Act
jurisdiction	United States federal law ⓘ
legalCitation	12 CFR Part 1026 ⓘ
previouslyAdministeredBy	Federal Reserve Board of Governors ⓘ surface form: Board of Governors of the Federal Reserve System
primaryPurpose	to promote the informed use of consumer credit ⓘ to protect consumers in credit transactions ⓘ to require clear disclosure of credit terms and costs ⓘ
prohibits	certain unfair or deceptive credit practices ⓘ
provides	civil liability for certain violations ⓘ statutory damages for some disclosure failures ⓘ
relatedTo	Dodd–Frank Wall Street Reform and Consumer Protection Act ⓘ surface form: Dodd-Frank Wall Street Reform and Consumer Protection Act Truth in Lending Act ⓘ
requires	disclosure of prepayment penalties where applicable ⓘ disclosure of variable-rate features ⓘ standardized format for key credit disclosures ⓘ timing rules for delivery of disclosures ⓘ
requiresDisclosureOf	amount financed ⓘ annual percentage rate ⓘ finance charges ⓘ late payment charges ⓘ payment schedule ⓘ total of payments ⓘ

Referenced by (2)

Full triples — surface form annotated when it differs from this entity's canonical label.

Regulation Z → implements → Regulation Z self-linksurface differs ⓘ

this entity surface form: Truth in Lending Act

FRB → publishes → Regulation Z ⓘ