Truth in Lending Act (Reg Z) | American Bankers Association

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Regulation Z implements the TILA and is complicated and lengthy, addressing all consumer credit products.

Statutes

15 U.S.C. 1601-1615

Rules & Regulations

Regulation Z (12 C.F.R. 1026)

Staff Analysis

Regulation Z's Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act
March 20, 2023
Compliance Questions Related to the New Federal Holiday
June 19, 2021
CFPB's Notice of Proposed Rulemaking on Escrow Exemption
July 28, 2020
TRID Final Rule on "Black Hole"
May 9, 2018

TILA Questions from the Hotline

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Agency Guidance

TILA-RESPA Integrated Disclosures (TRID) CFPB Resources
July 26, 2023
Ability to Repay/Qualified Mortgage (ATR/QM) CFPB Resources
July 26, 2023
High Cost/Home Ownership and Equity Protection Act (HOEPA) CFPB Resources
July 17, 2023
Loan Originator Rule CFPB Resources
July 17, 2023
Rules on Mortgage Servicing CFPB Resources
July 11, 2023
Prepaid Cards CFPB Resources
June 7, 2023
2016 Amendments to the Mortgage Servicing Rules
August 2, 2016
Small Entity Compliance Guide: Loan Originator Rule
Rural and Underserved Counties List CFPB Resources

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Exam Procedures

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Policy Library
News

Policy Library

Comment Letter
Letter to CFPB on Regulation Z's Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act
May 1, 2023
Staff Analysis
Regulation Z's Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act
March 20, 2023
Comment Letter
Joint Letter to the CFPB Requesting an Extension of Comment Period on the NPRM on Credit Card Penalty Fees
February 28, 2023
Amicus Brief
PNC v. Lyons
February 3, 2023

News

Compliance News
CFPB Updates HMDA Asset-Size Exemption Thresholds
December 23, 2021
Compliance News
CFPB Announces 2022 Reg Z Dollar Thresholds
October 26, 2021
Compliance News
ABA Updates Reference Guide for Mortgage Servicing
October 05, 2021

Proposed Rules

Related Training & Events

Reg Z Foundations and Closed-End Non-Mortgage Credit for Compliance Professionals
Self-Paced Training
Processing Credit Card Billing Errors and Unauthorized Use Claims
Self-Paced Training
Truth in Lending for Marketers
Self-Paced Training
Appraisals: Reg Z Requirements
Self-Paced Training

ABA Resources

Guide
ABA Reference Guide for Mortgage Servicing
September 28, 2021
Book
Handbook of Bank Insurance Compliance
June 14, 2021
Report
ABA Residential Real Estate Lending Survey Report
January 15, 2020
Report
2016 TILA-RESPA Integrated Disclosure (TRID) Survey
February 29, 2016

In Depth

Related Products

Our Experts

Rod Alba

Senior Vice President, Regulatory Compliance and Policy

Nessa Feddis

Senior Vice President & Senior Counsel, Regulatory Compliance and Policy

Brian Murphy

SVP, Card Policy Council

Bank Cards, Card Policy, Payment Systems

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