Regulation Z/Truth In Lending Act (TILA) Policy - $375.00


The purpose of this Regulation Z Policy Template is to address how a financial institution 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 of 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
Audit Policy - Topic 36
Staff Training - Topic 37
Retention of Documentation - Topic 38

Recent updates to this product:
09/04/18 Update
CFPB - Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
05/01/18 Update
CFPB - Federal Mortgage Disclosure Requirements under the Truth in Lending Act (Regulation Z)
Deletion of Guidance Prior to 04/19/18 Effective Date
04/02/18 Update
CFPB - Mortgage Servicing Rules Under the Truth in Lending Act (Regulation Z)
02/05/18 Update
CFPB - Rules Concerning Prepaid Accounts Under the Electronic Fund Transfer Act (Regulation E) and the Truth in Lending Act (Regulation Z)
08/01/17 Update
CFPB - Amendments to Federal Mortgage Disclosure Requirements Under the Truth in Lending Act (Regulation Z)
05/01/17 Update
CFPB Finalizes Effective Date Extension for Prepaid Account Rule
11/01/16 Update
Prepaid Accounts Under the Electronic Funds Transfer Act (Regulation E) and Truth In Lending Act (Regulation Z)
09/01/16 Update
Consumer Financial Protection Bureau Expands Foreclosure Protections
07/05/16 Update
CFPB Revises Dollar Amounts for TILA under the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act), the Home Ownership and Equity Protection Act of 1994 (HOEPA), and the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act)
04/04/16 Update
CFPB - Final Rules that Broadens Qualified Mortgage Coverage of Lenders Operating in Rural or Underserved Areas
01/04/16 Update
2013 Integrated Mortgage Disclosures Rule Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

This Regulation Z (TILA) Policy Template (approximately 217 pages) is available to purchase from in Microsoft® Word format for $375.00.

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