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

CFPB Final Rule on Credit Card Late Fees
March 19, 2024
Regulation Z's Mortgage Loan Originator Rules Review Pursuant to the Regulatory Flexibility Act
March 20, 2023
Bureau’s Interpretive Rule on the Impact of the 2021 Juneteenth Holiday
August 6, 2021
Compliance Questions Related to the New Federal Holiday
June 19, 2021

TILA Questions from the Hotline

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Agency Guidance

Rural and Underserved Counties List CFPB Resources
October 17, 2023
Ability to Repay/Qualified Mortgage (ATR/QM) CFPB Resources
July 26, 2023
TILA-RESPA Integrated Disclosures (TRID) 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
Small Entity Compliance Guide: Loan Originator Rule
November 1, 2019

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Exam Procedures

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Policy Library
News

Policy Library

Letter to Congress & Regulators
Joint Trades Support Letter for S.J.Res. 70
April 9, 2024
Letter to Congress & Regulators
Joint Trades Support Letter for H.J.Res. 122
April 9, 2024
Comment Letter
Joint Comments to CFPB on the NPRM on Overdraft Lending
April 1, 2024
Staff Analysis
CFPB Final Rule on Credit Card Late Fees
March 19, 2024

News

We have no recent news on this topic

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
CFPB's Overdraft Proposal: Comment Letter Writing Guide
March 14, 2024
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

In Depth

Related Products

Our Experts

Rod Alba

Senior Vice President, Real Estate Finance

Hallee Morgan

Vice President & Senior Counsel, Regulatory Compliance and Policy

Brian Murphy

SVP, Card Policy Council

Bank Cards, Card Policy, Payment Systems

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