12 CFR Part 1026 - Truth in Lending (Regulation Z)

Most recently amended April 8, 2026

Regulation Z protects people when they use consumer credit.

View current regulation

Consumer credit includes:

Mortgage loans

Home equity lines of credit

Reverse mortgages

Open-end credit

Certain student loans

Installment loans

The regulation covers topics such as:

Annual percentage rates

Credit card disclosures

Periodic statements

Mortgage loan disclosures

Mortgage loan servicing requirements

Mortgage loan appraisal requirements

Additional resources

Consumer FAQs

Mortgages

Credit cards

Auto loans

Student loans

Other resources

TILA-RESPA Integrated Disclosure Compliance Resources

Ability to Repay and Qualified Mortgage Compliance Resources

Loan Originator Compensation Compliance Resources

High Cost Mortgage Compliance Resources

Appraisal Compliance Resources for Higher Priced Mortgages

Escrow Compliance Resources for Higher Priced Mortgages

LIBOR Transition Compliance Resources

Rural and underserved counties lists

Rural and underserved areas tool

Credit Card Agreements and Surveys Filing Resources