State statute
12 CFR Part 1026
California foreclosure, tax-defaulted, court-ordered and probate-sale law and official procedures — verbatim and citable.
- Edition
- 2026-09-24
- Last updated
- 2026-10-02
- Contents
- 1 chapter · 162 sections
- Jurisdiction
- California
Contents
▸12 CFR Part 1026
Overview▸PART 1026—TRUTH IN LENDING (REGULATION Z)
Overview▸Subpart B—Open-End Credit
Overview- § 1026.5 General disclosure requirements.
- § 1026.6 Account-opening disclosures.
- § 1026.7 Periodic statement.
- § 1026.8 Identifying transactions on periodic statements.
- § 1026.9 Subsequent disclosure requirements.
- § 1026.10 Payments.
- § 1026.11 Treatment of credit balances; account termination.
- § 1026.12 Special credit card provisions.
- § 1026.13 Billing error resolution.
- § 1026.14 Determination of annual percentage rate.
- § 1026.15 Right of rescission.
- § 1026.16 Advertising.
▸Subpart C—Closed-End Credit
Overview- § 1026.17 General disclosure requirements.
- § 1026.18 Content of disclosures.
- § 1026.19 Certain mortgage and variable-rate transactions.
- § 1026.20 Disclosure requirements regarding post-consummation events.
- § 1026.21 Treatment of credit balances.
- § 1026.22 Determination of annual percentage rate.
- § 1026.23 Right of rescission.
- § 1026.24 Advertising.
▸Subpart E—Special Rules for Certain Home Mortgage Transactions
Overview- § 1026.31 General rules.
- § 1026.32 Requirements for high-cost mortgages.
- § 1026.33 Requirements for reverse mortgages.
- § 1026.34 Prohibited acts or practices in connection with high-cost mortgages.
- § 1026.35 Requirements for higher-priced mortgage loans.
- § 1026.36 Prohibited acts or practices and certain requirements for credit secured by a dwelli…
- § 1026.37 Content of disclosures for certain mortgage transactions (Loan Estimate).
- § 1026.38 Content of disclosures for certain mortgage transactions (Closing Disclosure).
- § 1026.39 Mortgage transfer disclosures.
- § 1026.40 Requirements for home equity plans.
- § 1026.41 Periodic statements for residential mortgage loans.
- § 1026.42 Valuation independence.
- § 1026.43 Minimum standards for transactions secured by a dwelling.
▸Subpart F—Special Rules for Private Education Loans
▸Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to Coll…
Overview- § 1026.51 Ability to Pay.
- § 1026.52 Limitations on fees.
- § 1026.53 Allocation of payments.
- § 1026.54 Limitations on the imposition of finance charges.
- § 1026.55 Limitations on increasing annual percentage rates, fees, and charges.
- § 1026.56 Requirements for over-the-limit transactions.
- § 1026.57 Reporting and marketing rules for college student open-end credit.
- § 1026.58 Internet posting of credit card agreements.
- § 1026.59 Reevaluation of rate increases.
- § 1026.60 Credit and charge card applications and solicitations.
- § 1026.61 Hybrid prepaid-credit cards.
- § 1026.62 Overdraft 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 Op…
- 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 Transact…
- 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 …
- Appendix P to Part 1026 [Reserved]
▸Supplement I to Part 1026—Official Interpretations
Overview▸Subpart B—Open-End Credit
Overview- Section 1026.5—General Disclosure Requirements
- Section 1026.6—Account-Opening Disclosures
- Section 1026.7—Periodic Statement
- Section 1026.8—Identifying Transactions on Periodic Statements
- Section 1026.9—Subsequent Disclosure Requirements
- Section 1026.10—Payments
- Section 1026.11—Treatment of Credit Balances; Account Termination
- Section 1026.12—Special Credit Card Provisions
- Section 1026.13—Billing Error Resolution
- Section 1026.14—Determination of Annual Percentage Rate
- Section 1026.15—Right of Rescission
- Section 1026.16—Advertising
▸Subpart C—Closed-End Credit
Overview- Section 1026.17—General Disclosure Requirements
- Section 1026.18—Content of Disclosures
- Section 1026.19—Certain Mortgage and Variable-Rate Transactions
- Section 1026.20 Disclosure Requirements Regarding Post-Consummation Events
- Section 1026.21—Treatment of Credit Balances
- Section 1026.22—Determination of Annual Percentage Rate
- Section 1026.23—Right of Rescission
- Section 1026.24—Advertising
▸Subpart E—Special Rules for Certain Home Mortgage Transactions
Overview- Section 1026.31—General Rules
- Section 1026.32—Requirements for High-Cost Mortgages
- Section 1026.33—Requirements for Reverse Mortgages
- Section 1026.34—Prohibited Acts or Practices in Connection With High-Cost Mortgages
- Section 1026.35—Requirements for Higher-Priced Mortgage Loans
- Section 1026.36—Prohibited Acts or Practices and Certain Requirements for Credit Secured by a …
- Section 1026.37—Content of Disclosures for Certain Mortgage Transactions (Loan Estimate)
- Section 1026.38—Content of Disclosures for Certain Mortgage Transactions (Closing Disclosure)
- Section 1026.39—Mortgage Transfer Disclosures
▸Section 1026.40—Requirements for Home-Equity Plans
- Section 1026.42—Valuation Independence
- Section 1026.43—Minimum Standards for Transactions Secured by a Dwelling
▸Subpart F—Special Rules for Private Education Loans
▸Subpart G—Special Rules Applicable to Credit Card Accounts and Open-End Credit Offered to Coll…
Overview- Section 1026.51 Ability To Pay
- Section 1026.52—Limitations on Fees
- Section 1026.53—Allocation of Payments
- Section 1026.54—Limitations on the Imposition of Finance Charges
- Section 1026.55—Limitations on Increasing Annual Percentage Rates, Fees, and Charges
- Section 1026.56—Requirements for Over-the-Limit Transactions
- Section 1026.57—Reporting and Marketing Rules for College Student Open-End Credit
- Section 1026.58—Internet Posting of Credit Card Agreements
- Section 1026.59—Reevaluation of Rate Increases
▸Section 1026.60—Credit and Charge Card Applications and Solicitations
- Appendix A—Effect on State Laws
- Appendix B—State Exemptions
- Appendix C—Issuance of Official Interpretations
- Appendix D—Multiple-Advance Construction Loans
- Appendix F—Optional Annual Percentage Rate Computations for Creditors Offering Open-End Credit…
- Appendix G—Open-End Model Forms and Clauses
- Appendix H—Closed-End Forms and Clauses
- Appendix J—Annual Percentage Rate Computations for Closed-End Credit Transactions
- Appendix K—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
- Appendix L—Assumed Loan Periods for Computations of Total Annual Loan Cost Rates
- Appendix O—Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules