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Truth in Lending 2010 Comptrollers Handbook

Truth in Lending 2010 Comptrollers Handbook

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Published by: Carrieonic on Sep 28, 2010
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11/02/2011

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CCE-TIL

Comptroller of the CurrencyAdministrator of National Banks
Truth in Lending
Comptroller’s Handbook
 July
2010
CCE
Consumer Compliance Examination
 
 
Truth in Lending Act
Table of Contents
Introduction.................................................................................................1
Background and Summary ....................................................................1
Determination of Finance Charge and APR....................................9
Format of Regulation Z .........................................................................3
Subpart A—General ..............................................................................6
Purpose of the TILA and Regulation Z............................................6
Exempt Transactions [Section 226.3]..............................................7
Subpart B—Open-End Credit...............................................................16
Annual Percentage Rate (Open-End Credit)..................................20
Minimum Payments [Section 226.7(b)(12)] ..................................24
[Section 226.51(b)(1)] ...................................................27
Limitations of Fees [Section 226.52(a)].........................................27
Payment Allocation [Section 226.53] ...........................................27
Balances [Section 226.55].............................................28
[Section 226.56] ...........................................................29
Open-End Advertising [Section 226.16] .......................................31
Subpart C—Closed-End Credit.............................................................33
Amount Financed [Section 226.18(b)]..........................................40
Required Deposit [Section 226.18(r)] ...........................................41
Comptroller’s Handbook i 2010 Truth in Lending Act
 
 
Calculating the Amount Financed................................................41
Other Calculations.......................................................................42
Refinancings [Section 226.20]......................................................43
Closed-End Advertising [Section 226.24] .....................................44
Subpart D—Miscellaneous ..................................................................47
Criminal Liability [TILA Section 112] ...........................................48
Administrative Actions [TILA Section 108] ...................................48
General Rules [Section 226.31] ...................................................51
(HOEPA Loans).............................................................51
Section 226.32 (HOEPA Loans) ....................................52
Reverse Mortgages [Section 226.33] ............................................54
[Section 226.39] ...........................................................57
[Section 226.46] ...........................................................58
Content of Disclosures [Section 226.47] ......................................59
Additional Defenses Against Civil Actions ...................................62
and 226.23] ..........................................................................63
Adjustable Rate Mortgages..................................................................65
OCC’s ARM Regulation ...............................................................65
History and Requirements ...........................................................66
Examination Objectives .............................................................................69
2010 Truth in Lending Act ii Comptroller’s Handbook

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