Regulation Z Policy
This Regulation Z Policy addresses how a bank, credit union, fintech company, or other type of financial institutions adheres to Regulation Z – “Truth in Lending Act” (TILA) by providing accurate and timely consumer disclosures for all loans covered by TILA in order to promote the informed use of consumer credit among its borrowers.
Table of Contents
- Purpose and Contents – Topic 1
- Policy Statement – Topic 2
- Definitions – Topic 3
- Exempt Transactions – Topic 4
- Finance Charge – Topic 5
- Open-End Credit – General Disclosure Requirements – Topic 6
- Open-End Credit – Account Opening Disclosures – Topic 7
- Open-End Credit – Periodic Statement Requirements – Topic 8
- Open-End Credit – Identifying Transactions on Periodic Statements – Topic 9
- Open-End Credit – Subsequent Disclosure Requirements – Topic 10
- Open-End Credit – Payments – Topic 11
- Open-End Credit – Treatment of Credit Balances and Account Termination – Topic 12
- Open-End Credit – Special Credit Card Provisions – Topic 13
- Open-End Credit – Billing Error Resolution Procedures – Topic 14
- Open-End Credit – Determination of Annual Percentage Rate – Topic 15
- Open-End Credit – Right of Rescission – Topic 16
- Open-End Credit – Advertising – Topic 17
- Closed-End Credit – General Disclosure Requirements – Topic 18
- Closed-End Credit – Content of Disclosures – Topic 19
- Closed-End Credit – Certain Mortgage and Variable Rate Transactions – Topic 20
- Closed-End Credit – Disclosure Requirements Regarding Post Consummation Events – Topic 21
- Closed-End Credit – Treatment of Credit Balances – Topic 22
- Closed-End Credit – Determination of Annual Percentage Rate – Topic 23
- Closed-End Credit – Right of Rescission – Topic 24
- Closed-End Credit – Advertising – Topic 25
- Use of Annual Percentage Rate in Verbal Disclosures – Topic 26
- Language of Disclosures – Topic 27
- Effect on State Laws – Topic 28
- State Exemptions – Topic 29
- Limitation on Rates – Topic 30
- Special Rules for Certain Home Mortgage Transactions – Topic 31
- Special Rules for Private Education Loans – Topic 32
- Special Rules for Credit Card Accounts and Open-End Credit – College Students – Topic 33
- Credit and Charge Card Applications and Solicitations – Topic 34
- Hybrid Prepaid-Credit Cards – Topic 35
- Overdraft Credit – Topic 36
- Audit Policy – Topic 37
- Staff Training – Topic 38
- Retention of Documentation – Topic 39
Recent updates to this product:
01/02/25 Update
CFPB Final Rule – Overdraft Lending: Very Large Financial Institutions
CFPB Final Rule – Residential Property Assess Clean Energy Financing (Regulation Z)
07/15/24 Update
Joint Release – Quality Control Standards for Automated Valuation Models
03/18/24 Update
CFPB Final Rule – Credit Card Penalty Fees Final Rule
This Regulation Z Policy (approximately 212 pages) is available to purchase from BankPolicies.com in Microsoft® Word format.
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