Part 226 — Truth in Lending (Regulation Z)
Current through Oct 1, 2026
Authority: 12 U.S.C. 3806; 15 U.S.C. 1604, 1637(c)(5), 1639(l), and 1639h; Pub. L. 111-24, section 2, 123 Stat. 1734; Pub. L. 111-203, 124 Stat. 1376.
Source: Reg. Z, 46 FR 20892, Apr. 7, 1981, unless otherwise noted.
Sections
- § 226.1 Authority, purpose, coverage, organization, enforcement, and liability.
- § 226.2 Definitions and rules of construction.
- § 226.3 Exempt transactions.
- § 226.4 Finance charge.
- § 226.5 General disclosure requirements.
- § 226.5a Credit and charge card applications and solicitations.
- § 226.5b Requirements for home equity plans.
- § 226.6 Account-opening disclosures.
- § 226.7 Periodic statement.
- § 226.8 Identifying transactions on periodic statements.
- § 226.9 Subsequent disclosure requirements.
- § 226.10 Payments.
- § 226.11 Treatment of credit balances; account termination.
- § 226.12 Special credit card provisions.
- § 226.13 Billing error resolution. 27
- § 226.14 Determination of annual percentage rate.
- § 226.15 Right of rescission.
- § 226.16 Advertising.
- § 226.17 General disclosure requirements.
- § 226.18 Content of disclosures.
- § 226.19 Certain mortgage and variable-rate transactions.
- § 226.20 Subsequent disclosure requirements.
- § 226.21 Treatment of credit balances.
- § 226.22 Determination of annual percentage rate.
- § 226.23 Right of rescission.
- § 226.24 Advertising.
- § 226.25 Record retention.
- § 226.26 Use of annual percentage rate in oral disclosures.
- § 226.27 Language of disclosures.
- § 226.28 Effect on State laws.
- § 226.29 State exemptions.
- § 226.30 Limitation on rates.
- § 226.31 General rules.
- § 226.32 Requirements for certain closed-end home mortgages.
- § 226.33 Requirements for reverse mortgages.
- § 226.34 Prohibited acts or practices in connection with credit subject to § 226.32.
- § 226.35 Prohibited acts or practices in connection with higher-priced mortgage loans.
- § 226.36 Prohibited acts or practices in connection with credit secured by a dwelling.
- §§ 226.37-226.38 [Reserved]
- § 226.39 Mortgage transfer disclosures.
- §§ 226.40-226.41 [Reserved]
- § 226.42 Valuation independence.
- § 226.43 Appraisals for higher-priced mortgage loans.
- §§ 226.44-226.45 [Reserved]
- § 226.46 Special disclosure requirements for private education loans.
- § 226.47 Content of disclosures.
- § 226.48 Limitations on private education loans.
- § 226.51 Ability to Pay.
- § 226.52 Limitations on fees.
- § 226.53 Allocation of payments.
- § 226.54 Limitations on the imposition of finance charges.
- § 226.55 Limitations on increasing annual percentage rates, fees, and charges.
- § 226.56 Requirements for over-the-limit transactions.
- § 226.57 Reporting and marketing rules for college student open-end credit.
- § 226.58 Internet posting of credit card agreements.
- § 226.59 Reevaluation of rate increases.
- Appendix A to Part 226—Effect on State Laws
- Appendix B to Part 226—State Exemptions
- Appendix C to Part 226—Issuance of Staff Interpretations
- Appendix D to Part 226—Multiple Advance Construction Loans
- Appendix E to Part 226—Rules for Card Issuers That Bill on a Transaction-by-Transaction Basis
- Appendix F to Part 226—Optional Annual Percentage Rate Computations for Creditors Offering Open-End Plans Subject to the Requirements of § 226.5b
- Appendix G to Part 226—Open-End Model Forms and Clauses
- Appendix H to Part 226—Closed-End Model Forms and Clauses
- Appendix I to Part 226—Federal Enforcement Agencies
- Appendix J to Part 226—Annual Percentage Rate Computations for Closed-End Credit Transactions
- Appendix K to Part 226—Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions
- Appendix L to Part 226—Assumed Loan Periods for Computations of Total Annual Loan Cost Rates
- Appendix M1 to Part 226—Repayment Disclosures
- Appendix M2 to Part 226—Sample Calculations of Repayment Disclosures
- Appendix N to Part 226—Higher-Priced Mortgage Loan Appraisal Safe Harbor Review
- Appendix O to Part 226—Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules
- Supplement I to Part 226—Official Staff Interpretations