Subject Index T

Subject Index

Principal Subject Index Headings

A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | R | S | T | U | V | W

Taxes

Bank holding companies—See Bank holding companies.

Edge corporation, 1-247

Employee stock option plans—See Securities transactions, this heading.

Escrow account for, reserve requirements, 2-343.1

Federal Reserve Banks

Exemption, 1-050

Government depositary for United States, as; receipt of taxes, 1-269

Government depositary, receipt of taxes by Federal Reserve Bank as, 1-269

Home-equity loans—See Home-equity plans.

Interstate bank mergers, state taxation authority, 1-401.59

Loan-loss charge-offs by banks, 3-1590

Loans to pay—See Securities transactions, this heading.

National bank notes, on

National Bank Act amendments, 1-259

National currency associations, 1-259

United States bonds, not secured by, 1-260

Returns, preparation by bank holding companies; not closely related to banking, 4-335

Securities transactions

Loans for payment of taxes

Employee stock option plans, 5-798.52; 5-882.16 et seq.; 5-882.26

Purpose credit, not considered, 5-939

Transfer tax, debited to account, 5-483

Withheld taxes as deposit, deposit insurance, 1-335.4

Temporary Aid to Needy Families

Electronic transfers—See Electronic funds transfers, at Government benefits.

Income from, consideration of; equal credit opportunity, 6-121; 6-168; 6-183; 6-5168; 6-5183

Tender offers

Deceptive practices, 5-116

Directors of issuer, election or designation, 5-117

Equity security, registered; unlawful to make, 5-110

Exemptions, 5-115

Filing with Securities and Exchange Commission, 5-110

Fraudulent acts, 5-116

Indirectly secured credit, negative covenant, 5-906

Insurance company security, unlawful to make, 5-110

Manipulative practices, 5-116

Omission of material fact, 5-116

Partnerships, by, 5-111

Limited-partnership rollup transactions, 5-117.5 et seq.

Payment of increased offer made after original, 5-114

Percentage of security owned, determination by Securities and Exchange Commission, 5-111

Purpose credit, as; present status of stock controls determination, 5-933.1

Rules and regulations prescribed by Securities and Exchange Commission, 5-111

Securities deposited

Pro rata taking up, 5-113

Withdrawal, 5-112

Statement, information contained in, 5-110

Syndicates, by, 5-111

Time limit for withdrawal of deposited securities, 5-112

Unlawful practices, 5-116

Untrue statement of material fact, 5-116

Variation from original, 5-114

Theft—See also Robbery.

Bank, from, 1-467 et seq.

Bank examiner, by, 1-456

Credit union, from, 1-467 et seq.

Electronic funds transfer access device, notification of theft of, 6-312; 6-378; 6-432 et seq.; 6-5312; 6-5432 et seq.

Savings and loan association, from, 1-467 et seq.

Securities, report of, 5-168

Thrift institutions

See also Savings and loan associations; Savings associations; Savings banks.

Acquisitions of, emergency; notice and hearing requirement exemptions, 4-044

Assets of, classification of, 3-1501

Bank holding company status, exemption from by divestiture of nonbanking subsidiary, 4-484

Closed, transitional reserve requirements for successors, 2-360.14

Definition under Bank Holding Company Act, 4-065

Insured—See Savings associations.

Securities, appraisal of in examinations, 3-1501

Supervision of—See Comptroller of the Currency; Federal Deposit Insurance Corporation; Federal Reserve Board.

Time deposits

Advertising—See Truth in savings, at Time accounts.

Agreement corporations, promissory notes issued by, 2-136

Annuity contracts, nonpersonal time deposits; reserve requirements, 2-340.11

Balance over $100,000, current; reporting, 2-306.2

Bank assets and liabilities, transfer, 2-343.11

Bearer certificates of deposit, estimate as personal or nonpersonal by reasonable sampling techniques, 2-303.6

Beneficiaries of estate

Natural persons, determination as, 2-303.9 et seq.

Personal or nonpersonal deposits depending on, 2-303.1

Capital-equivalency deposit agreements, nonpersonal time deposits; reserve requirements, 2-340.1

Cash management arrangement to be evidenced by prior written agreement, 2-306.5

Central banks, foreign; deposits of designated banks exempt, 2-280

Certificates of deposit—See Certificates of deposit.

Club accounts

Disclosures—See Truth in savings, at Time accounts.

Reserves—See Reserve requirements, at Club accounts.

Collateral, time deposits as—See Loans secured by deposits, this heading.

Contract terms, disclosure, 6-6917; 6-7088 et seq.

See also Truth in savings, at Time accounts.

Convent, deposits considered nonpersonal, 2-303.2

Current balance over $100,000, reporting, 2-306.2

Death of owner or depositor, early withdrawal—See Early withdrawal of time deposits.

Definitions

Natural persons, 2-303.9 et seq.

Reserve requirements, as to, 2-135 et seq.

International banking facilities, as to, 2-206.1

Nonpersonal time deposit, 1-168.1; 2-143 et seq.; 2-211

Truth in savings, as to, 6-6908; 6-7043

Deposit instrument, replacement issued; not to constitute early withdrawal, 2-301.3

Deposit insurance requirements

Definition as deposit, 1-335.4

Reporting guidelines, 1-342; 1-343

Disclosures

See also Truth in savings.

Early withdrawal—See Early withdrawal of time deposits.

Nontransferability legend on disclosure statement, 2-300.8

Early withdrawal—See Early withdrawal of time deposits.

Earnest money deposits in escrow, determination as personal or nonpersonal, 2-304.8

Edge corporation, promissory notes issued by, 2-136

Escrow accounts, 2-304.5 et seq.

Classification on reports, 2-304.5

Determination as personal or nonpersonal, 2-304.7; 2-304.8

Earnest money deposits as personal or nonpersonal, 2-304.8

Landlord security deposits as personal or nonpersonal, 2-304.8

Mortgage accounts as personal or nonpersonal, 2-304.6

Tenant security deposits as time deposits, 2-303.7

Estates

Beneficiaries, determination as natural persons, 2-303.9 et seq.

Deposits personal or nonpersonal depending upon beneficiaries, 2-303.1

Foreign bank, promissory notes issued by, 2-136

Foreign entities, deposits exempt from reserve requirements, 2-280

Government unit time deposits, reserve requirements, 2-340

Holiday club accounts—See Reserve requirements.

Indian tribe deposits as nonpersonal, 2-303.8

Reserve requirements, 2-340.12

Interest on deposits

Advertising and disclosures—See Truth in savings.

Interest or dividends

Member banks, paid by; advertisement, 1-176

International banking facilities

Definition as to, 2-206.1

Reserve requirements, time deposits held by non–U.S. residents, 2-335

International entities, deposits exempt from reserve requirements, 2-280

Joint ownership, transferability; reserve requirements, 2-343.14

Landlord security deposits, determination as personal or nonpersonal, 2-304.8

Litigation, funds held pending; determination as personal, 2-304.9

Loan participations, mortgage; reservable under Regulation D, 2-305

Loans secured by deposits

Credit lines, 2-343.22

Early withdrawal to repay; evasion of reserve requirements, 2-343.19

Maturity, notice of, 6-6920 et seq.; 6-7105 et seq.

Model, 6-6942

Member banks

Interest payments on, advertisement, 1-176

Reserve ratios, calculation for member banks involved in mergers, 2-305.8

Mergers, reserve ratios for member banks involved in, 2-305.8

Monastery, deposits considered nonpersonal, 2-303.2

Money market deposit certificates, nonnegotiability and nontransferability, 2-301.2

Mortgage

Escrow accounts as personal or nonpersonal, 2-304.6

Pass-through securities and loan participations reservable under Regulation D, 2-305

Name change not to constitute early withdrawal, 2-301.3

Natural persons

Beneficiaries of estate, determination as, 2-303.9 et seq.

Definition, 2-303.9 et seq.

Estate, beneficiaries of; determination as, 2-303.9 et seq.

Totten trusts, as to, 2-303.5

Written representation to effect, 2-304.3

``Nonassignable,'' in place of ``nontransferable,'' 2-300.6

Nonnegotiability

Definition, 2-300.1

Money market certificates, 6-month, 2-301.2

``Nonnegotiable'' in place of ``nontransferable,'' 2-300.6

Nonpersonal

Annuity contracts, reserve requirements, 2-340.11

Bearer certificates of deposit, estimate by reasonable sampling techniques, 2-303.6

Capital equivalency deposit agreements, reserve requirements, 2-340.1

Certificates of deposit, bearer; estimated by reasonable sampling techniques, 2-303.6

Club accounts, 2-303.2

Convent deposits, 2-303.2

Corporation, personal; deposits to be considered nonpersonal, 2-303

Definition as to reserve requirements, 1-168.1; 2-143 et seq.; 2-211

Earnest money deposits, determination, 2-304.8

Escrow accounts

Determination, 2-304.7; 2-304.8

Earnest money deposits, determination, 2-304.8

Landlord security deposits, determination, 2-304.8

Mortgage, 2-304.6

Estate, deposits of; depending on beneficiaries, 2-303.1

Exceptions, 2-146

Government units, of; reserve requirements, 2-340

Indian tribe deposits, 2-303.8

Reserve requirements, 2-340.12

Landlord security deposits, determination, 2-304.8

Monastery deposits, 2-303.2

Mortgage escrow accounts, 2-304.6

Passbook savings deposits, 2-302.9

Pension plan deposits, classification as, 2-303.3

Personal corporation, deposits considered nonpersonal, 2-303

Profit-sharing plan deposits, classification as, 2-303.3

Promissory note, represented by, 2-145

Reserve ratios, 2-207

Reserve requirements

Annuity contracts, 2-340.11

Capital equivalency deposit agreements, 2-340.1

Government units, deposits of, 2-340

Uniform application of to, 1-168.1; 2-216

Reserves maintained against by depository institutions, 1-168.1; 2-214

Transferable, 2-143

Trust accounts, 2-304.2

Nontransferability

Definition of ``not transferable,'' 2-300; 2-300.1

Legend—See Tranferability, this heading.

One percent spread, loan secured by time deposit, 2-343.19

Ownership determined by state law, 2-343.13

Passbook savings accounts, nontransferability legend, 2-300.4

Pass-through securities, reservable under Regulation D, 2-305

Penalty for early withdrawal—See Early withdrawal of time deposits.

Pension plan deposits, personal or nonpersonal depending on terms of plan, 2-303.3

Periodic statement, nontransferability legend on, 2-300.9

Personal

Bearer certificates of deposit, estimate by reasonable sampling techniques, 2-303.6

Certificates of deposit, bearer; estimated by reasonable sampling techniques, 2-303.6

Earnest money deposits, determination, 2-304.8

Escrow

Determination, 2-304.7; 2-304.8

Earnest money deposits, determination, 2-304.8

Landlord security deposits, determination, 2-304.8

Mortgage accounts, 2-304.6

Estates, deposits of; personal or nonpersonal depending on beneficiaries, 2-303.1

Landlord security deposits, determination, 2-304.8

Litigation, funds held pending; determination, 2-304.9

Mortgage escrow accounts, 2-304.6

Nontransferability legend on, 2-300.7

Pension plan deposits, if nontransferable, 2-303.3

Profit-sharing plan deposits, if nontransferable, 2-303.3

Tenant security deposits as, 2-303.7

Trust accounts, 2-304.2

Personal corporation, deposits considered nonpersonal, 2-303

Personal passbook savings deposits, 2-302.9

Profit-sharing plan deposits, personal or nonpersonal depending on terms of plan, 2-303.3

Promissory notes

Agreement corporation issues, 2-136

Edge corporation issues, 2-136

Foreign bank issues, 2-136

Religious order, deposits of considered nonpersonal, 2-303.2

Renewal policies, disclosure, 6-6917; 6-7092

Model clauses, 6-6940.7

Reporting current balance over $100,000, 2-306.2

Reserve requirements

See also this heading generally.

Evasion of, early withdrawal—See Early withdrawal of time deposits.

Exemptions, 2-207

Rollover after October 1, 1980, nontransferability legend, 2-300.5

Savings accounts, passbook; nontransferability legend, 2-300.4

Savings deposits, passbook; personal and nonpersonal, 2-302.9

Secondary-market purchases by depository institutions and affiliates, evasion of reserve requirements, 2-280.1

Security, as—See Loans secured by deposits, this heading.

Short-term, notice of change in terms, 6-6919

Supranational entities, deposits exempt from reserve requirements, 2-280

Tenant security deposits as personal deposits, 2-303.7

Totten trusts

Definition, early withdrawal, 2-343.12

Natural persons as to, 2-304.4

Transaction account, linked to; evasion of reserve requirements, 2-287

Transferability

Application, 2-300 et seq.

Club accounts, 2-301.1

Definition, 2-300; 2-300.1

Deposit instrument, replacement issued; not to constitute early withdrawal, 2-301.3

Disclosure statement, legend on, 2-300.8

IRAs in name of partnership excluded from reserve requirements, 2-303.5

Joint ownership, 2-343.14

Keogh account in name of partnership excluded from reserve requirements, 2-303.5

Legend, 2-300.3 et seq.

Disclosure statement, on, 2-300.8

NOW accounts, necessity for, 2-300.3

Passbook savings accounts, 2-300.4

Periodic statement, on, 2-300.9

Personal time deposit, on, 2-300.7

Rollover after October 1, 1980, 2-300.5

Money market certificates, 6-month, 2-301.2

Name change not to constitute early withdrawal, 2-301.3

Notification of customers with outstanding accounts, 2-300.2

Not transferable

Definition, 2-300; 2-300.1

Legend—See Legend, this subheading.

NOW accounts, necessity for legend on, 2-300.3

Passbook savings accounts, legend on, 2-300.4

Personal time deposit, legend on, 2-300.7

Rollover after October 1, 1980, legend on, 2-300.5

Transfers, cash management arrangement to be evidenced by prior written agreement, 2-306.5

Trust accounts, personal or nonpersonal, 2-304.2

Trust funds, deposit of in zero-interest time deposit accounts, 3-1597

Uniform application of reserve requirements to nonpersonal time deposits, 1-168.1; 2-216

Vacation clubs—See Reserve requirements, at Club accounts.

Written representation that beneficial interest is for natural persons, 2-304.3

Zero-interest-rate deposits

Early withdrawal; interest on deposits, 2-343.17

Trust funds deposited in time-deposit open accounts, 3-1597

Trading with the Enemy Act, 1-440; 1-441

Transaction accounts

Agent institutions, savings accounts allowing transfers through to; reserve requirements, 2-345.12

Automated clearinghouse debits and credits

Savings accounts subject to, 2-301.4

Unlimited debits, to constitute transaction account, 2-302.4

Automated teller machines, withdrawals and transfers through, 2-138.1; 2-140; 2-142; 2-302; 2-345.1; 2-345.13; 2-345.17

Access card, unauthorized use as debit card, 2-345.18

Automatic transfer service, 2-345.2

Retail outlets, terminal in, 2-342.16

Bureau of Indian Affairs deposits as custodian for tribes, considered nonpersonal deposits, 2-303.8

Cash-management plans, netting overdrafts, 2-167; 2-345.19

Certificates of deposit with line of credit, reserve requirements, 2-345.16

Checking account

Automatic deposits from savings account to constitute transaction account, 2-302.2

Overdraft-protection plan, qualification as transaction account, 2-301.8

Statements combined with savings accounts, reserve requirements, 2-345

Check-verification terminals, transfers through, 2-345.13

Club accounts, weekly transfers to; qualification as transaction account, 2-301.5

Compensating balances of Treasury Tax and Loan deposit accounts, 2-302.3

Computation of reserves based on, 2-167

Criteria for more than one type of account, meeting; means of reporting on Form FR 2900, 2-306.1

Debit cards

Automated teller machine access cards used as, 2-345.18

Point-of-sale terminals, use at, 2-345.22

Definition

Federal Reserve Bank credit, as to, 2-005

Federal Reserve Board, authority to define, 1-168; 2-212

Reserve requirements, as to, 1-168; 2-140 et seq.; 2-211

Depositor mailing request to transfer funds from savings account to third party not to qualify as, 2-301.7

Deposits, automatic from savings account to checking account to constitute transaction account, 2-302.2

Evidences acceptable as deposits, 1-105.1

Federal Reserve Board, determination by, 1-168.1; 2-212

Form FR 2900, reporting on; accounts meeting criteria for more than one type of account, 2-306.1

Intrafamily payroll deposits, three-transfers-per-calendar-month rule, 2-302.8

Investment, transfers for purposes of; evasion of reserve requirements, 2-345.25

IRAs, preauthorized transfers to, reserve requirements, 2-345.14

Money market certificate holders crediting interest periodically to other account, not to constitute transaction account, 2-301.6

Money market deposit accounts—See Money market, at Deposit account.

Monthly statement, nontransferability legend on, 2-301

Net

Definition as to reserve requirements, 2-153

Reserve ratios, 2-207

Nontransferability legend on monthly statement, 2-301

NOW accounts—See NOW accounts.

Overdrafts

Cash-management plans, netting, 2-167; 2-345.19

Computation of reserves, in, 2-167

Protection plan, qualification as transaction account, 2-301.8; 2-342.19

Trust accounts, 2-260.12

Payroll deposits, intrafamily; three-transfers-per-calendar-month rule, 2-302.8

Point-of-sale terminals, accounts accessed through, 2-345.22

Preauthorized transfers

Definition, 2-142

IRAs, to; reserve requirements, 2-345.14

Savings account not qualified thereby as transaction account, 2-301.9

Three-transfers-per-calendar-month rule, as to, 2-302.4 et seq.

Prestige cards for withdrawal from savings accounts, not to qualify as transaction account, 2-302.1

Regulation D, application of, 2-301.4 et seq.

Regulation E

Notice requirement as to limit of three transfers per calendar month, 2-302.4

Transfer exemptions, reserve requirements, 2-345.15

Remote service units, transfers through, 2-345.13

Reporting on Form FR 2900, accounts meeting criteria for more than one type of account, 2-306.1

Reserve requirements, 2-140 et seq.; 2-167; 2-213

See also this heading generally.

Computation, 2-167

Exemptions from, 2-207

Savings accounts as—See Savings accounts.

Share draft account overdraft-protection plan, qualification as transaction account, 2-301.8

Shifting funds between institutions, low reserve tranche, 2-260.11

Statements, combined savings/checking; reserve requirements, 2-345

Suspense accounts, regarded as, 2-306.4

Telephone transfer of funds, 2-301.9

Three-transfers-per-calendar-month rule, 2-302.4 et seq.

Third parties, transfers through institutions to, 2-345.11

Time deposits, linked to; evasion of reserve requirements, 2-287

Transfer limitations, 2-302.4 et seq.

See also specific types of deposits and transfers, this heading.

Monitoring of transfers, 2-342.2

Notification of customers, 2-302.6

Regulation E notice requirement, 2-302.5

Traveler's convenience for withdrawal from savings account not to qualify as transaction account, 2-302.1

Treasury Tax and Loan deposit accounts, compensating balances, 2-302.3

Trust account, overdrafts, 2-260.12

Uniform application of requirements to, 1-168.1; 2-216

Withdrawal privileges with savings account not to constitute transaction account, 2-302

Transfer agents

Application for registration, time limit for, 5-184

Associated with, person; definition, 5-029.16

Bank activities, exemption from definition of ``broker,'' 5-003

Bank holding companies, acting as, 4-015.1

Censure of, 5-185

Person associated with, 5-187.1

Clearing agency, not to perform functions of, 5-175

Discipline of, 5-185

Examination reports, Federal Reserve Board providing to Securities and Exchange Commission, 8-108.92

Fingerprinting of employees, 5-169

Person associated with, 5-029.16

Records

Regulatory agencies, for, 5-162

Securities and Exchange Commission, for, 5-160

Registration, 5-183 et seq.

Application, filing, 5-184

Cancellation by regulatory agency, 5-187; 8-108.91

Determination by regulatory agency, 5-186

Effective date

Acceleration, 8-108.91

Postponement, 5-186

Exemptions, 5-183

Forms, authority to issue, 8-108.92

Requirements, 5-183

Revocation, 5-185

State member banks, filing requirements, 3-251

Suspension, 5-186

Time limit for application, 5-184

Withdrawal, 5-187; 8-108.91

Reports

Examination reports, authority to make available, 8-108.92

Regulatory agencies, to, 5-162

Securities and Exchange Commission, to, 5-160

Rules and regulations, adherence to, 5-188 et seq.

Securities

Definition, 5-016

Regulatory agencies appropriate to, 5-022

State member banks acting as, 3-251

Transportation, Department of

Consumer leasing, enforcement authority, 6-534

Electronic fund transfers, enforcement authority, 6-358

Equal credit opportunity, enforcement authority, 6-065.5; 6-066; 6-5065.5

Fair credit reporting, enforcement authority, 6-1575

Fair debt collection practices, enforcement authority, 6-1696

Stock acquisitions reducing competition or creating monopolies, 1-404

Truth in lending, enforcement authority, 6-1016

Traveler's checks

Bank holding companies, permissible nonbanking activities, 4-050.4

Cash item in process of collection, as, 2-152; 2-315

Currency and foreign-transaction reports—See Currency and foreign transactions.

Deposits

Availability of—See Availability of funds.

Demand, reserve requirements, 2-134

Treasury, Department of the—See also Treasury, secretary of the; United States Treasurer.

Currency, issuance, 1-084

Federal Reserve Banks

Collection of items payable by United States, 9-781

Open market operations, 8-828

Federal Reserve notes

Federal Reserve Banks, redeemable at, 1-140

Issuance, 1-084

Nature of obligation, 1-140

Redeemable at Department, 1-140

Records available

Federal Home Loan Banks, for, 1-285

Securities and Exchange Commission, for, 1-286

Secretary—See Treasury, secretary of the.

Treasury notes, issuance, 1-165

Treasury, secretary of the

Arrangements, stabilizing, 1-421

Authority, 1-268

Coin, gold; withdrawal from circulation, 1-419

Currency

Cancellation, 1-420

Foreign, conversion into United States, 1-423

Redemption, 1-420

Currency and foreign transactions

Compliance authority, 3-1776

Disclosure of information, exceptions and exemptions granted by Secretary, 3-1709.6

Exemption authority, 3-1776

Records, maintenance and usefulness determinations, 3-1702; 3-1702.11; 3-1789.1

Reports to Congress, 3-1789.3

Summons authority, 3-1708 et seq.; 3-1776

Custodians of money, 1-268.2

Duties, 1-268.1

Federal Reserve Act reserves powers for, 1-082

Financial privacy, right to; supervisory authority, 6-1752

Financial record, transfer of to in investigation of insider crimes against financial institutions, 6-1775.2

Foreign currency, conversion into United States, 1-423

Foreign exchange rates, stabilizing, 1-421

Gold—See Gold.

Government obligations, buying, 1-422

International Bank for Reconstruction and Development, payments made by, 1-482

Special notes issued for, 1-483

International Monetary Fund, subscription to—See International Monetary Fund.

Money, custodians of, 1-268.2

Obligations of United States government, buying, 1-422

Power to deal in gold, 1-421

Redemption of currency, 1-420

Right to financial privacy, supervisory authority, 6-1752

Securities

Court review of orders and rules, 5-239

Gold clauses, 1-416

Missing, lost, counterfeit, and stolen securities; reports regarding, 5-168; 5-170

Rulemaking powers, 5-226; 5-227

Securities dealers, government; authority over, 5-153.32 et seq.; 5-153.45

Special drawing rights certificates, issuing to Federal Reserve Banks, 1-290

Stabilizing exchange rates and arrangements, 1-421

Supplementary Financing Facility, United States participation in, 1-499

Transfer of gold and gold certificates, 1-418

Truth in lending, supervisory authority, 6-1052

United States currency, foreign currency converted into, 1-423

Treasury, U.S.—See United States, at Treasury.

Treasury bills—See United States, at Obligations; United States bonds.

Trust accounts

Attorney trust accounts

NOW account eligibility, 2-341.15

Interest on lawyer trust accounts (IOLTAs), 2-341.12

Broker, exception for banks from definition of, 3-3530 et seq.

Interest on lawyer trust accounts (IOLTAs)—See Attorney trust accounts, this heading.

IRAs under custodial agreements, electronic funds transfers, 6-414; 6-5414

Overdrafts, computation of reserves, 2-260.12

Personal or nonpersonal, 2-304.2

State member banks engaged in trust business

Fiduciary functions, undertaking of, 3-428; 3-429; 3-450

Inside information, policy statement on use of, 3-1550

Permission required, 3-425

Trust companies

Bank holding companies, 4-357

Commercial loans, trust companies making, 4-355

Demand deposits, trust companies not accepting not considered to be banks, 4-356

Bank trust company deposits and collections, Federal Reserve Banks' receipt of, 1-111; 9-830; 9-1563

Board of managers, executive officer of member bank as member of, 3-1035

Commercial loans, making; bank holding companies, 4-355

Daylight overdrafts in Federal Reserve accounts, limited-purpose companies, 9-1022

Demand deposits, trust companies not accepting not considered to be banks; bank holding companies, 4-356

Executive officer of member bank as member of board of managers or finance committee, 3-1035

Federal Reserve accounts, daylight overdrafts; limited-purpose companies, 9-1022

Federal Reserve System membership eligibility, 3-437

Finance committee, executive officer of member bank as member of, 3-1035

Interlocking directorates prohibited

Attorney general's responsibilities as to, 1-408; 1-414

Cease-and-desist orders issued, 1-409

Final status, time limit for, 1-411

Modification or setting aside, 1-412

Rehearing ordered for, 1-413

Complaints issued for violations, 1-408

Federal agencies, enforcement by, 1-407

Federal courts, jurisdiction, 1-410

Federal Reserve Board, enforcement by, 1-406

Review petitions, 1-408

Limited-purpose, daylight overdrafts in Federal Reserve account, 9-1022

Loans, making commercial; bank holding companies, 4-355

Management official interlocks, prohibited, 3-855

Member bank–securities dealer interlocks, executive officer as member of board of managers or finance committee, 3-1035

Nonbank banks, limitations on trust activities, 4-190.5

Prohibited management official interlocks, 3-855

Trustees

Affiliates of member banks—See Affiliate-member bank relations.

Bankruptcy, in; estate moneys deposited by trustee, 1-320

Banks as

Broker, exemption from definition, 5-003

Credit for margin stocks, 5-795

Custodial accounts, 5-942.2; 5-942.21

Employees' savings plan, for, 5-796

Dealer, exemption from definition, 5-003.1

Investment company shares, open-end; acquiring majority, member bank–securities dealer interlocks, 3-415.3

Obligations of, as deposits; reserve requirements, 2-324.2

Employees' savings plan, banks as trustees for, 5-796

Estates, of; loans to executive officers of member banks as; prohibited transactions, 3-1048

International banking, as to; acting as trustee permissible activity, 3-524; 3-542

Investment company shares, open-end; banks acting as acquiring majority; member bank–securities dealer interlocks, 3-415.3

Loans to executive officers of member banks as trustees of estate, prohibited transaction, 3-1048

Margin regulations, banks as trustees—See Banks as, this heading.

Member bank–securities dealer interlocks; banks acting as trustees acquiring majority of open-end investment company shares, 3-415.3

Member banks, executive officers; loans to as trustees of estate; prohibited transactions, 3-1048

Privacy of financial information, applicability of regulations, 6-7403

Registered unit investment trusts, restriction on securities sales; exception, 5-263

Self-regulatory organization, courts to appoint, 5-215

Trust indentures, persons eligible for appointment, 5-260

Trust funds

Collective, security issued by or interest or participation in; exempted security, 5-008

Deposit insurance requirements

Definition as deposit, 1-335.4

Reporting guidelines, 1-342

Deposits

Member bank deposit with nonmember bank, 3-1595

Reserve requirements—See Reserve requirements.

Employees' profit-sharing trust fund, loans to member bank executive officers by; prohibited transactions, 3-1049

Executive officers of member banks, loans to from trust funds as prohibited transactions, 3-1045

Employees' profit-sharing trust funds, from, 3-1049

Indian funds, secretary of Interior to select depositaries for, 1-321

Loans from to executive officers of member banks, prohibited transactions, 3-1045

Member banks, loans to executive officers from; prohibited transactions, 3-1045

Profit-sharing trust funds, employees'; loans to member bank executive officers; prohibited transactions, 3-1049

Reserve requirements—See Reserve requirements.

Time deposit open accounts, zero-interest; use of by bank trust departments, 3-1597

Trusts

Affiliates of member banks—See Affiliate-member bank relations.

Antitrust law—See Antitrust law.

Bank holding companies

Control of bank

Perpetual trust voting less than 25 percent, 4-442

Voting trust, through, 4-443

Liquidating trusts, 4-423

Perpetual trust voting less than 25 percent, control of bank, 4-442

Short-term partnerships, 4-421

Voting trusts, 4-185.5

Control of bank through, 4-443

Collateral, interest in trust as; indirectly secured bank credit for margin stocks, 5-917.14

Companies—See Trust companies.

Creditors, as; truth in lending, 6-1162.5; 6-6162.5

Death of beneficiary, early withdrawal of time deposit; Totten trust, 2-343.12

Federal funds sold by, beneficial interest held by depository institutions, 2-260.51

Indentures, persons eligible for appointment as trustees, 5-260

Land, credit extended to; truth in lending, 6-1162; 6-6162

Liquidating trust, bank holding companies, 4-423

Margin stocks, interest in trust as collateral for credit to purchase, 5-917.14

Member bank affiliates, applicability, 3-1186.1

Partnerships, short-term; bank holding companies, 4-421

Perpetual trust voting less than 25 percent, control of bank, bank holding companies, 4-442

Privacy of financial information, trust not consumer for purposes of regulations, 6-7403

Rating system, uniform interagency, 3-1576.2

Retirement

Plans held in broker-dealer cash accounts, blanket time extensions, 5-629

Savings deposits, money market deposit account as Totten trust, 2-342

Short-term partnerships, bank holding companies, 4-421

Testamentary, exempt from definition of ``company,'' 4-005

Totten trusts

Death of beneficiary, early withdrawal of time deposits, 2-343.12

Money market deposit accounts, as; savings deposits, 2-342

Natural persons as to, 2-304.4

Truth in lending

Creditors, trusts as, 6-1162.5; 6-6162.5

Land trusts, credit extended to, 6-1162; 6-6162

Voting trusts, control of bank through; bank holding companies, 4-443

Truth in lending

Account

Adjustment for prompt crediting of payments, 6-725; 6-5725

Suspended account, reactivation; initial disclosure, 6-1165.71; 6-6165.71

Activity charges

Finance charges, as, 6-646; 6-5646

Terms requiring additional disclosures, as; advertising, 6-1173.5; 6-6173.5

Add-on finance charges, content of disclosure, 6-1175.5; 6-6175.5

Add-on rate transactions, single; closed-end credit, annual percentage rate, 6-886; 6-5886

Adjustable-rate loans—See Variable rates, this heading.

Advertising, 6-1103 et seq.; 6-1173.4 et seq.; 6-1179.7 et seq.; 6-6173.4 et seq.; 6-6179.7 et seq.

Advertisement defined, 6-614; 6-1161.4; 6-5614; 6-6161.4

Closed-end credit, 6-911 et seq.; 6-1106; 6-1179.7 et seq.; 6-5911 et seq.; 6-6179.7 et seq.

Actually available terms, 6-911; 6-1179.7; 6-5911; 6-6179.7

Annual percentage rate, 6-1179.8; 6-1180; 6-6179.8; 6-6180

Buydowns, 6-1179.8; 6-6179.8

Catalogs, 6-913; 6-1103; 6-1180.1; 6-5913; 6-6180.1

Clear-and-conspicuous standard, 6-1179.7; 6-6179.7

Discounted variable-rate transactions, 6-1179.81; 6-6179.81

Downpayment, 6-1104; 6-1179.9; 6-1180; 6-6179.9; 6-6180

Effective rates, 6-1179.8; 6-6179.8

Electronic advertisements, 6-913; 6-1180.1; 6-5913; 6-6180.1

Examples, use of, 6-1180; 6-6180

Finance charge, 6-911; 6-1179.8; 6-1179.9; 6-5911; 6-6179.8; 6-6179.9

Installments, 6-1104

Multiple-page advertisements, 6-913; 6-1180.1; 6-5913; 6-6180.1

Payment amount, 6-1179.9; 6-6179.9

Payment period, 6-1179.9; 6-6179.9

Periodic rates, 6-1179.8; 6-6179.8

Repayment terms, disclosure, 6-1180; 6-6180

Simple rates, 6-1179.8; 6-6179.8

Triggering terms requiring additional disclosures, 6-912; 6-1179.9; 6-1180; 6-5912; 6-6179.9; 6-6180

Media, nonliability of, 6-1107

Open-end credit, 6-808 et seq.; 6-1105; 6-5808 et seq.

Actually available terms, 6-808; 6-1173.4; 6-5808; 6-6173.4

Annual percentage rate, abbreviation, 6-1173.4; 6-6173.4

Catalogs, 6-809; 6-1103; 6-1173.6; 6-5809; 6-6173.6

Clear-and-conspicuous standard, 6-1173.4; 6-6173.4

Deferred billing and payment, 6-1173.5; 6-6173.5

Downpayments, 6-1104

Electronic advertisements, 6-809; 6-1173.6; 6-5809; 6-6173.6

Fixed charges, 6-1173.5; 6-6173.5

Home-equity plans—See Home-equity plans.

Multiple-page advertisements, 6-809; 6-1173.6; 6-5809; 6-6173.6

Outstanding balance, table or schedule if credit terms depend on, 6-1173.6; 6-6173.6

Plans, 6-1105

Positive terms, use of for additional disclosures, 6-1173.5; 6-6173.5

Transaction charges, 6-1173.5; 6-6173.5

Triggering, terms requiring additional disclosures, 6-1173.5; 6-6173.5

Variable rates, 6-1173.5; 6-6173.5

Oral disclosures, use of annual percentage rate in, 6-1108

Agricultural credit transactions, exemptions, 6-633; 6-1163.7 et seq.; 6-5633; 6-6163.7 et seq.

Agricultural products and purposes defined as to, 6-1038

``Amount,'' meant as numerical amount throughout Regulation Z, 6-622; 6-1163.5; 6-5622; 6-6163.5

Amount financed, 6-835; 6-1175.4; 6-5835; 6-6175.4

Itemization, 6-836; 6-1175.6; 6-1175.7; 6-5836; 6-6175.6; 6-6175.7

Model form, closed-end credit, 6-1003; 6-1191.2; 6-6003; 6-6191.2

Annual percentage rate, 6-781 et seq.; 6-1049 et seq.; 6-1172 et seq.; 6-5781 et seq.; 6-6172 et seq.

Abbreviation in, advertising, 6-1173.4; 6-6173.4

Charts for computations, 6-1051

Closed-end credit

Accuracy, 6-884; 6-884.1; 6-1178.2 et seq.; 6-5884; 6-5884.1; 6-6178.2 et seq.

Actuarial method, 6-1018; 6-1019; 6-1178.2; 6-6018; 6-6019; 6-6178.2

Add-on rate transactions, single, 6-886; 6-1178.45; 6-5886; 6-6178.45

Advertising, 6-1179.8; 6-1180; 6-6179.8; 6-6180

Calculation method, 6-884; 6-1178.2; 6-5884; 6-6178.2

Calculations for transactions, 6-1017 et seq.; 6-1191.9; 6-6017 et seq.; 6-6191.9

Calculation tools, 6-885; 6-1178.2; 6-1178.4; 6-5885; 6-6178.2; 6-6178.4

Disclosure, 6-836; 6-935; 6-1175.8; 6-1180.4; 6-1180.5; 6-5836; 6-5935; 6-6175.8; 6-6180.4; 6-6180.5

Home-equity plans, 6-781; 6-971.2; 6-1172.1; 6-5781; 6-5971.2; 6-6172.1

Irregular transactions, 6-822; 6-1174.91; 6-1178.3; 6-5822; 6-6174.91; 6-6178.3

Ranges of balances, transactions involving, 6-886; 6-1178.5; 6-5886; 6-6178.5

Refinancing, subsequent disclosure requirements, rate reduction, 6-1177.6; 6-6177.6

Regular transactions, 6-1178.3; 6-6178.3

Time intervals, definition, 6-1018; 6-6018

Tolerances for calculations, 6-1051

Unit period, 6-1018; 6-6018

U.S. Rule, 6-1178.2; 6-6178.2

Construction loans, multiple-advance, 6-1190.3; 6-6190.3

Open-end credit, 6-781 et seq.; 6-1172 et seq.; 6-5781; 6-6172 et seq.

Advertising, 6-781; 6-1172.1; 6-5781; 6-6172.1

Calculation method, 6-991; 6-1190.6; 6-5991; 6-6190.6

Calculation tools, faulty; good faith reliance on, 6-1172; 6-6172

Corresponding, 6-1172.1; 6-6172.1

Daily periodic rates, 6-783; 6-1172.3; 6-1190.6; 6-5783; 6-6172.3; 6-6190.6

Disclosures, 6-781; 6-935; 6-1050; 6-1081.1; 6-1166.05; 6-1166.06; 6-1172.1; 6-1180.4; 6-5781; 6-5935; 6-6172.1; 6-6180.4; 6-6189.915; 6-6189.916

Finance charges, 6-1172; 6-1172.2; 6-6172; 6-6172.2

Home-equity plans, 6-668.5; 6-1166.34; 6-5972.666; 6-6184.64

Late payment, rate increase resulting from, 6-1166.06; 6-1166.74; 6-6166.74; 6-6189.916

Other charges, itemization of types, 6-1167.7; 6-6167.7

Penalty rates, increased, 6-1166.06; 6-1166.74; 6-6166.74; 6-6189.916

Periodic rates, 6-664.3; 6-783; 6-1166.05; 6-1172; 6-1172.3; 6-1190.6; 6-5783; 6-5976.3; 6-6172; 6-6172.3; 6-6189.915; 6-6190.6

Periodic statements, 6-688; 6-782; 6-1167.7; 6-1172.11 et seq.; 6-5688; 6-5782; 6-6167.7; 6-6172.11 et seq.

Quotient methods, calculations when daily periodic rate applies 6-1172.3; 6-6172.3

Rounding of percentages, 6-1172; 6-6172

Tolerances for calculations, 6-1051; 6-1172; 6-6172

Transaction charges, 6-1172.2; 6-6172.2

Public dissemination of sample rates, 6-1102; 6-1102.1

Symbols used in computations, 6-1018; 6-6018

Tables for computations, 6-1051

Term of transaction, computations, 6-1018; 6-6018

Application fees excluded from finance charges, 6-647; 6-1164.7; 6-5647; 6-6164.7

Appraisal fees, finance charges, 6-646; 6-647; 6-5646; 6-5647

Arizona law, preemption of disclosure provisions, 6-1180.91; 6-6180.91

Assignees

Creditors, 6-1162.4; 6-6162.4

Liability, 6-1093 et seq.

Assumptions, 6-861; 6-1173.8; 6-1177.7 et seq.; 6-5861; 6-6173.8; 6-6177.7 et seq.

Abbreviated disclosures, 6-1177.72; 6-6177.72

Fees as finance charges, 6-646; 6-1164.4; 6-5646; 6-6164.4

Policy

Closed-end credit disclosure, 6-839; 6-5839

Model clause, closed-end credit, 6-1006; 6-6006

Attorney general, reports by, 6-1069

Automated teller machines—See Automated teller machines.

Automatic payment plans, exceptions; credit cards, 6-1170.8; 6-6170.8

Balance-computation methods

Credit and charge card applications and solicitations—See Credit and charge cards.

Initial disclosure statements, 6-1166.75; 6-6166.75

Model clauses, 6-992; 6-1190.8; 6-5992; 6-6190.8

Balances, ranges of

Closed-end credit, 6-886; 6-5886

Open-end credit, 6-1166.72; 6-6166.72

Balances, transfers of, 6-1165.71; 6-6165.71

Balloon payments

Definition, 6-1370

Home-equity plans—See Home-equity plans.

Renewable, variable-rate instruments, 6-1174.33; 6-1177.15; 6-1177.5; 6-6174.33; 6-6177.15; 6-6177.5

Wraparound financing, 6-1174.3; 6-6174.3

Billing, 6-1109 et seq.

Credit reports, regulation, 6-1113

Cycle

Change in, 6-1168.7; 6-6168.7

Closing date, periodic statement, 6-688; 6-1167.7; 6-5688; 6-6167.7

Definition, 6-614; 6-1161.6; 6-5614; 6-6161.6

New balance, periodic statement, 6-688; 6-1167.8; 6-5688; 6-6167.8

Error resolution, 6-1109 et seq.

Address for notice of; periodic statement, 6-688; 6-1167.8; 6-5688; 6-6167.8

Credit cards—See Credit and charge cards, at Billing-error resolution.

State law, inconsistent, 6-1180.8; 6-1180.9; 6-6180.8; 6-6180.9

Period, length, 6-1114

Rights, statement of

Forms, model, 6-992; 6-998; 6-1190.9; 6-5992; 6-5998; 6-6190.9

Initial disclosure statement, 6-675; 6-1166.9; 6-5675; 6-6166.9

Subsequent disclosure requirements, 6-711; 6-1168.5; 6-5711; 6-6168.5

Business costs, absorbed; not finance charges, 6-1164.21; 6-6164.21

Business credit cards, 6-1101

Transactions, exemptions, 6-633; 6-1163.7 et seq.; 6-5633; 6-6163.7 et seq.

Business credit later refinanced, 6-1163.8; 6-6163.8

Business day, definition, 6-615; 6-5615

Business-function test, 6-1161.7

Buydowns, closed-end credit disclosures, 6-1174.2; 6-1174.3; 6-6174.2; 6-6174.3

Variable-rate transactions, 6-1174.31; 6-1177.22; 6-6174.31; 6-6177.22

Cardholder defined, 6-615; 6-1036; 6-1161.8; 6-5615; 6-6161.8

See also Credit and charge cards.

Card issuer defined, 6-615; 6-1036; 6-1161.7; 6-5615

See also Credit and charge cards.

Carrying charges as finance charges, 6-646; 6-5646

Cash discounts

Credit cards, use with, 6-1118

Finance charges, exception, 6-1164.6; 6-6164.6

Cash price defined, 6-616; 6-1161.9; 6-5616; 6-6161.9

Cash transactions, comparable; charges in, 6-1164.2; 6-6164.2

Catalogs

Closed-end credit advertising, 6-913; 6-5913

Credit advertising, 6-1103

Open-end credit advertising, 6-809; 6-5809

Changes in terms of account, 6-713; 6-1165.95; 6-1168.6 et seq.; 6-5713; 6-6165.95; 6-6168.6 et seq.

Home-equity plans—See Home-equity plans.

Chapter 4 determination, who may receive; inconsistent disclosure requirements, 6-1180.9; 6-6180.9

Charge cards—See Credit and charge cards.

Charges—See Fees, this heading.

Checking account charges, 6-1164.4; 6-6164.4

Civil liability, 6-1086 et seq.

State exemptions from disclosure requirements, 6-970; 6-5970

Class action, moratorium on, 6-1092.1

Clauses, model—See Forms, at Truth in lending.

Clear-and-conspicuous standard, 6-1072

Closed-end credit, 6-820; 6-1173.7; 6-1173.8; 6-5820; 6-6173.7; 6-6173.8

Open-end credit, 6-1165.6; 6-6165.6

Closed account, reopening; initial disclosure, 6-1165.71; 6-6165.71

Closed-end credit, 6-820 et seq.; 6-1082 et seq.; 6-1173.7 et seq.; 6-5820 et seq.; 6-6173.7 et seq.

Converting from open-end, 6-1179.6; 6-6179.6

Converting to open-end credit, 6-1165.71; 6-6165.71

Definition, 6-616; 6-1161.9; 6-5616; 6-6161.9

Closing agent fees, as finance charges, 6-1164.36; 6-6164.36

Collateral—See Security interests, this heading.

Commercial credit transactions, exemptions, 6-633; 6-1163 et seq.; 6-5633; 6-6163 et seq.

Commodities accounts, exemptions, 6-634; 6-1164; 6-5634; 6-6164

Computer malfunction, periodic statements, 6-662; 6-1165.75; 6-5662; 6-6165.75

Connecticut law, exemption, 6-1181.1; 6-6181.1

Construction loans, multiple-advance, 6-821; 6-987 et seq.; 6-1174.7; 6-1190.3; 6-5821; 6-5987 et seq.; 6-6174.7; 6-6190.3

Annual percentage rate, 6-1190.3; 6-6190.3

Calculation of total of payments, 6-1190.3; 6-6190.3

Construction and permanent financing disclosed as one transaction, 6-989; 6-5989

Construction period disclosed separately, 6-988; 6-5988

Interest reserves, 6-1190.4; 6-6190.4

Residential mortgage transaction, as, 6-1163.3; 6-1163.31; 6-6163.3; 6-6163.31

Variable-rate loans, 6-1177.15; 6-1190.3; 6-6177.15; 6-6190.3

Consumer

Definition, 6-616; 6-1034; 6-1162.4 et seq.; 6-5616; 6-6162.4 et seq.

High income or assets, waiver for, 6-1043.2

Multiple

Closed-end credit disclosures, as to, 6-822; 6-5822

Open-end credit disclosures, as to, 6-663; 6-5663

Consumer credit—See also Consumer credit.

Definition, 6-616; 6-1162; 6-5616; 6-6162

Dwelling, secured by—See Home-equity plans.

Plans—See Credit plans, this heading.

Consumer leasing—See Consumer leasing.

Consummation

Closed-end credit disclosures, time of, 6-1174; 6-6174

Definition, 6-616; 6-1162; 6-5616; 6-6162

Contract reference, closed-end credit disclosure, 6-839; 6-1176.8; 6-5839; 6-6176.8

Converting open-end to closed-end credit, disclosure, 6-1174; 6-6174

Copy of credit document, identification of transaction, 6-699; 6-5699

Correction of credit billing errors, 6-1109 et seq.

Corrective-action period, 6-1160

Counterfeit credit cards, use, 6-1098 et seq.

Foreign applicability, 6-1161.3; 6-6161.3

Credit, definition, 6-617; 6-1032; 6-1162.1; 6-1162.11; 6-5617; 6-6162.1; 6-6162.11

Credit balance refunds—See Refunds, this heading.

Credit cards—See Credit and charge cards.

Credit devices, supplemental; for subsequent disclosure requirements, 6-712; 6-1168.5; 6-5712; 6-6168.5

Credit feature, additional; subsequent disclosure requirements, 6-1168.5; 6-6168.5

Crediting of payments, prompt, 6-725; 6-1115; 6-1169.1 et seq.; 6-5725; 6-6169.1 et seq.

Credit insurance—See Insurance, this heading.

Credit investigation fees as prepaid finance charge, 6-1163.25; 6-6163.25

Credit life insurance

Creditors, offered through; identification of transactions, 6-1168.02; 6-6168.02

Premiums as finance charges, 6-646; 6-1164.5; 6-5646; 6-6164.5

Exclusions, conditions for, 6-648; 6-1165.1; 6-5648; 6-6165.1

Credit loss insurance as finance charge, 6-1164.4; 6-6164.4

Creditor

Assignee, 6-1162.4; 6-6162.4

Credit program administered, insured, or guaranteed by United States; participation in, 6-1068

Definition, 6-618; 6-1033; 6-1162.4 et seq.; 6-5618; 6-6162.4 et seq.

Disclosure errors by, notification of and adjustment, 6-1055 et seq.

Identification of, 6-835; 6-1175.3; 6-5835; 6-6175.3

Multiple

Closed-end credit disclosures, as to, 6-822; 6-5822

Open-end credit disclosures, as to, 6-663; 6-5663

Trusts, 6-1162.5; 6-6162.5

Credit over $25,000 not secured by real property or dwelling, exemptions, 6-633; 6-1163.9; 6-5633; 6-6163.9

Credit plans

Closed-end—See Closed-end credit, this heading.

Fees excluded from finance charges, 6-647; 6-5647

Open-end—See Open-end credit, this heading.

Other than open-end, advertising, 6-1106

Credit programs administered, insured, or guaranteed by United States; creditors participating, 6-1068

Credit reports

Adverse, for disputed credit card transactions; prohibition, 6-750; 6-766; 6-1170.3 et seq.; 6-5750; 6-5766; 6-6170.3 et seq.

Fees as finance charges, 6-646; 6-5646

Regulation, 6-1113

State law, inconsistent disclosure requirements, 6-1180.8; 6-6180.8

Credit sale

Definition, 6-617; 6-1034; 6-1162.3; 6-5617; 6-6162.3

Model form, closed-end credit, 6-1001; 6-1190.9; 6-6001; 6-6190.9

Sample form, closed-end credit, 6-1010; 6-1191.4; 6-6010; 6-6191.4

Total sale price, 6-1176.4; 6-6176.4

Criminal liability for violation, 6-1066

Cross-collateralization clauses—See Spreader clauses, this heading.

Cycle, billing; defined as to, 6-614; 6-1161.6; 6-5614; 6-6161.6

Daily periodic rate, calculation of annual percentage rate where applicable, 6-783; 6-1172.3; 6-5783; 6-6172.3

Debt-cancellation fees, finance charges, 6-1164.61; 6-6164.61

Closed-end credit, 6-838; 6-5838

Model credit-insurance disclosures, use of, 6-1176.8; 6-1190.7; 6-6176.8; 6-6190.7

Open-end credit, 6-646; 6-649.1; 6-5646; 6-5649.1

Voluntary, 6-1165.25; 6-6165.25

Deferred billing and payment

Advertising, 6-1173.5; 6-6173.5

Periodic statements, 6-1167; 6-6167

Deferred-presentment loans, 6-1162.11; 6-6162.11

Delay in disclosures, closed-end credit, 6-823; 6-824; 6-1175; 6-5823; 6-5824

Demand obligations, 6-821; 6-838; 6-1174.6; 6-1176 et seq.; 6-5821; 6-5838; 6-6174.6; 6-6176 et seq.

Model clauses, 6-1005; 6-1191.2; 6-6005; 6-6191.2

De minimis rule, 6-1160

Deposits

Earnings on, exclusion as security interest charge; prohibited offsets, 6-1165.3; 6-6165.3

Required

Closed-end credit disclosure, 6-839; 6-1176.9; 6-5839; 6-6176.9

Model clause, closed-end credit, 6-1007; 6-1191.2; 6-6007; 6-6191.2

Disasters, temporary exemption from rescission rules, 6-797; 6-900; 6-5797; 6-5900

Disclosures—See also specific types of loans, loan features, and items to be disclosed, this heading.

Abbreviated, assumptions, 6-1177.72; 6-6177.72

Closed-end credit, 6-820 et seq.; 6-1173.7 et seq.; 6-5820 et seq.; 6-6173.7 et seq.

Converting to open-end credit, 6-1165.71; 6-6165.71

Content, 6-835 et seq.; 6-1175.3 et seq.; 6-5835 et seq.; 6-6175.3 et seq.

Early disclosures, closed-end credit, 6-822; 6-1174.9; 6-5822; 6-6174.9

Electronic—See Electronic communication, this heading.

Errors by creditor

Adjustment, 6-1055 et seq.; 6-1160

Notification of creditors, 6-1055

Format, 6-820; 6-1173.7 et seq.; 6-1176.8; 6-5820; 6-6173.7 et seq.; 6-6176.8

Inconsistent requirements, 6-1180.7 et seq.; 6-6180.7 et seq.

Language of, 6-946; 6-1180.6; 6-6180.6

Material

Definition, 6-1039

Rescission, right to; closed-end credit, 6-1178.8; 6-6178.8

Open-end credit, 6-661 et seq.; 6-1165.5 et seq.; 6-5661 et seq.; 6-6165.5 et seq.

Converting closed-end credit to open-end, 6-1165.71; 6-6165.71

Oral—See Oral disclosures, this heading.

Segregation of disclosures, closed-end credit, 6-820; 6-1173.7; 6-1173.8; 6-5820; 6-6173.7; 6-6173.8

Subsequent occurrences, effect of, 6-1074

Subsequent requirements, 6-711 et seq.; 6-1168.5 et seq.; 6-1177.5 et seq.; 6-5711 et seq.; 6-6168.5 et seq.; 6-6177.5 et seq.

Terminology, 6-1175.9; 6-1176.7; 6-6175.9; 6-6176.7

Consistent, initial disclosure statements, 6-1166.7; 6-6166.7

Timing of

Closed-end credit, 6-820; 6-1174; 6-5820; 6-6174

Insurance premiums, 6-1165.1; 6-6165.1

Open-end credit, 6-662; 6-1165.7 et seq.; 6-5662; 6-6165.7 et seq.

Discount and premium rates

Cash, 6-646; 6-753; 6-1118; 6-1164.6; 6-5646; 6-5753; 6-6164.6

Charges, content of disclosure, 6-1175.5; 6-6175.5

Definition, 6-1037

Home-equity plans, advertising, 6-811; 6-5811

Variable-rate transactions—See Variable rates, this heading.

Discount card, purchase-price; as credit card, 6-1162.2; 6-6162.2

Issuance of, 6-1169.6; 6-6169.6

Downpayment

Advertising, 6-1104

Terms requiring additional disclosures, 6-1179.9; 6-6179.9

Deferred, payment schedule, 6-1176.1; 6-6176.1

Definition, 6-619; 6-1162.7; 6-5619; 6-6162.7

Disclosure, 6-1175.4; 6-6175.4

Dragnet clauses—See Spreader clauses, this heading.

Dwelling, security interest in, 6-837; 6-1075 et seq.; 6-1172.4 et seq.; 6-1176.01; 6-1178.7; 6-5837; 6-6172.4 et seq.; 6-6176.01; 6-6178.7

See also Mortgages, this heading; Home-equity plans.

Definition of ``dwelling,'' 6-619; 6-1039; 6-1162.8; 6-5619; 6-6162.8

Finance charges, accuracy of disclosures, 6-1048.1

Refinancing or consolidation, class-action, moratorium, 6-1092.1

Rescission rights, 6-1165.4; 6-1165.5; 6-6165.4; 6-6165.5

Disaster areas, temporary exemptions, 6-797; 6-900; 6-5797; 6-5900

Foreclosure, 6-903; 6-1079.2; 6-1179.66; 6-5903; 6-6179.66

Second homes, 6-1178.7; 6-6178.7

Variable-rate loans—See Variable rates, this heading.

Electronic communication

Advertisements—See Advertising, this heading.

Closed-end disclosures, 6-820; 6-5820

Mail or telephone orders, 6-823; 6-5823

Credit and charge card applications and solicitation, 6-664.1; 6-5976.1

Mortgage transactions, 6-852; 6-1177.35; 6-5852; 6-6177.35

Variable-rate, 6-1177.15; 6-6177.15

Open-end credit disclosures, 6-661; 6-5661

Rescission, right of

Closed-end credit, 6-898; 6-1179; 6-5898; 6-6179

Open-end credit, 6-795; 6-1172.7; 6-5795; 6-6172.7

Electronic fund transfers involving credit extensions, 6-336; 6-475; 6-5336; 6-5475

Employee savings plans, loans from, 6-1162.6; 6-6162.6

Equivalent disclosure requirements, 6-1181; 6-6181

Errors

Billing—See Billing, this heading.

Disclosure—See Disclosures, this heading.

Escrow

Accounts, closed-end credit disclosures; required deposits, 6-1176.9; 6-6176.9

Payments excluded from finance charges, 6-647; 6-5647

Estimates

Basis for, closed-end credit, 6-1174.4; 6-6174.4

Information, obtaining, open-end credit, 6-1165.8; 6-6165.8

Labeling, 6-1174.4; 6-6174.4

Legal obligation, open-end credit, 6-1165.8; 6-6165.8

Permissible if exact information unknown, 6-1071

Redisclosure, open-end credit, 6-1165.8; 6-6165.8

Use of, open-end credit, 6-663; 6-1165.8; 6-5663; 6-6165.8

Variable-rate transactions, 6-1174.31; 6-6174.31

Exemptions, state—See State law, this heading.

Exempt transactions, 6-633 et seq.; 6-1041; 6-1163.7 et seq.; 6-5633 et seq.; 6-6163.7 et seq.

Agricultural credit transactions, 6-633; 6-1163.7 et seq.; 6-5633; 6-6163.7 et seq.

Business credit, 6-633; 6-1163.7 et seq.; 6-5633; 6-6163.7 et seq.

Refinanced later, 6-1163.8; 6-6163.8

Commercial credit transactions, 6-633; 6-1163.7 et seq.; 6-5633; 6-6163.7 et seq.

Commodities accounts, 6-634; 6-1164; 6-5634; 6-6164

Credit over $25,000 not secured by real property or dwelling, 6-633; 6-1163.9; 6-5633; 6-6163.9

Federal Reserve Board authority, 6-1043.1; 6-1043.2

Home fuel budget plans, 6-634; 6-5634

Land trusts, 6-1163.8; 6-6163.8

Organizational credit transactions, 6-633; 6-1163.7 et seq.; 6-5633; 6-6163.7 et seq.

Public utility credit, 6-634; 6-1164; 6-5634; 6-6164

Rental property

Non-owner-occupied, 6-1163.7; 6-6163.7

Owner-occupied, 6-1163.8; 6-6163.8

Rescission, right of, 6-797; 6-1173.2; 6-5797; 6-6173.2

Securities accounts, 6-634; 6-1164; 6-5634; 6-6164

State, 6-1181.1; 6-1181.2; 6-6181.1; 6-6181.2

Student loan programs, 6-634; 6-1164.1; 6-5634; 6-6164.1

Fair credit billing provisions, rules for; inconsistent disclosure requirements, 6-1180.9; 6-6180.9

Fees

Credit and charge cards—See Credit and charge cards.

Definition, 6-971.4; 6-5971.4

Finance charges, as—See specific types of fees, at Finance charges, this heading.

Finder's—See Finder's fees, this heading.

Home-equity plans—See Home-equity plans.

Late-payment—See Late-payment fees, this heading.

Other, 6-675; 6-1166.77; 6-5675; 6-6166.77

Real estate settlement, fees for preparation of truth in lending and uniform settlement statements prohibited, 6-1362; 6-1398

Tax refund-anticipation loans, 6-1174.36; 6-6174.36

Fictitious credit cards, use, 6-1098 et seq.

Finance charges, 6-645 et seq.; 6-1044 et seq.; 6-1164.2 et seq.; 6-5645 et seq.; 6-6164.2 et seq.

Accrual

Initial disclosure, 6-1166.71; 6-6166.71

Accuracy tolerances, 6-1048.1

Advertising rate of, closed-end credit, 6-911; 6-5911

Amount, for periodic statement, 6-687; 6-5687

Annual percentage rate, 6-1172.1; 6-6172.1

Application fees excluded, 6-1164.7; 6-6164.7

Appraisal fees, 6-646; 6-647; 6-1048; 6-5646; 6-5647

Assumption fees, 6-1164.4; 6-6164.4

Balance on which computed for periodic statement, 6-687; 6-1167.4; 6-1167.5; 6-5687; 6-6167.4; 6-6167.5

Cash discounts, exception, 6-1164.6; 6-6164.6

Cash transactions, comparable; charges in, 6-1164.2; 6-6164.2

Closing agent charges, 6-1164.36; 6-6164.36

Credit reports, inclusion, 6-1048

Debt-cancellation fees, 6-1164.61; 6-6164.61

Closed-end credit, 6-838; 6-5838

Open-end credit, 6-646; 6-649.1; 6-5646; 6-5649.1

Voluntary, 6-1165.25; 6-6165.25

Disclosure

Closed-end credit, 6-836; 6-1175.8; 6-5836; 6-6175.8

Open-end credit, 6-674; 6-687; 6-1166.71; 6-5674; 6-5687; 6-6166.71

Error, tolerances for not specified, 6-836; 6-1175.82; 6-5836; 6-6175.82

Escrows, inclusion, 6-1048

Excluded charges, 6-647; 6-1164.7 et seq.; 6-5647; 6-6164.7 et seq.

Finder's fees, 6-646; 6-5646

Free-ride periods, 6-1166.71; 6-6166.71

Guaranteed automobile protection (GAP) agreements, 6-1164.61; 6-1165.25; 6-6164.61; 6-6165.25

Imposed at time of transaction, subsequent billing requirements, 6-714; 6-1168.92; 6-5714; 6-6168.92

Insurance premiums as, 6-1045 et seq.; 6-1164.4; 6-1164.5; 6-1165.1 et seq.; 6-6164.4; 6-6164.5; 6-6165.1 et seq.

Mortgage, 6-1175.71

Interest

Lost, 6-647; 6-1164.23; 6-1165; 6-5647; 6-6164.23; 6-6165

Overdraft balance, on, 6-1164.8; 6-6164.8

Late-payment charges excluded, 6-1164.8; 6-6164.8

Lump-sum charges, 6-1165.01; 6-6165.01

Mortgage loans, 6-836; 6-5836

Broker fees, 6-1164.37; 6-6164.37

Multifeatured plans, 6-1167.4; 6-6167.4

Multiple balances disclosed, use of one balance-computation method, 6-1167.5; 6-6167.5

Notary fees for security-interest charges, excluded, 6-1165.3; 6-6165.3

Offsets prohibited, 6-1165.4; 6-6165.4

Overdraft balance, assessing interest on excluded, 6-1164.8; 6-6164.8

Participation fees excluded, 6-1164.9; 6-6164.9

Periodic rates, 6-687; 6-1167.2 et seq.; 6-5687; 6-6167.2 et seq.

Points, seller's; excluded, 6-1164.9; 6-6164.9

Prepaid

Definition, 6-620; 6-1163.1; 6-1163.25; 6-5620; 6-6163.1; 6-6163.25

Disclosures, 6-1175.5; 6-1175.71; 6-1176.5 et seq.; 6-6175.5; 6-6176.5 et seq.

Rate of, advertising as to closed-end credit, 6-911; 6-5911

Real estate transaction charges, excluded, 6-647; 6-1048; 6-1164.7; 6-1165; 6-1165.01; 6-1167.7; 6-5647; 6-6164.7; 6-6165; 6-6165.01; 6-6167.7

Security-interest charges, excluded, 6-1165.3; 6-6165.3

Taxes, 6-1164.2; 6-1164.3; 6-6164.2; 6-6164.3

Third-party charges, 6-645; 6-1164.35; 6-5645; 6-6164.35

Title fees, 6-647; 6-1048; 6-5647

Understated, 6-1160

Unearned, refinancing, 6-1175.5; 6-6175.5

Finder's fees

Finance charges, as, 6-646; 6-5646

Prepaid, 6-1163.25; 6-6163.25

Fixed charges as terms requiring additional disclosures, advertising, 6-1173.5; 6-6173.5

Florida law, preemption of disclosure provisions, 6-1180.91; 6-6180.91

Foreclosure on principal dwelling, rescission rights—See Dwelling, security interest in, this heading.

Forms, model—See Forms, at Truth in lending.

Fourteen-day rule, periodic statements, 6-662; 6-1165.75; 6-5662; 6-6165.75

Free-ride period, 6-688; 6-1166.71; 6-1167.8; 6-5688; 6-6166.71; 6-6167.8

Governmental agencies, effect of Truth in Lending Act on, 6-1067

Graduated-payment transactions, disclosure; adjustable-rate mortgages, 6-1174.33; 6-6174.33

Guaranteed automobile protection (GAP) agreements, finance charges, 6-1164.61; 6-1165.25; 6-6164.61; 6-6165.25

Health insurance premiums as finance charges, 6-646; 6-1164.5; 6-5646; 6-6164.5

Exclusions, conditions for, 6-648; 6-5648

Home-equity plans—See Home-equity plans.

Home fuel budget plans, exemptions, 6-634; 6-1164.1; 6-5634; 6-6164.1

Identification of transactions, 6-699; 6-1167.9; 6-5699; 6-6167.9

Actual copy, 6-1168; 6-6168

Copy of credit document, 6-699; 6-5699

Actual copy, 6-1168; 6-6168

Corporate connections, creditors and sellers with, 6-1168.02; 6-6168.02

Credit insurance offered through creditors, 6-1168.01; 6-6168.01

Creditors, credit insurance offered through, 6-1168.01; 6-6168.01

Facsimile documents not considered actual copies, 6-1168; 6-6168

Promotional material, transactions resulting from, 6-1168; 6-6168

Rules, application, 6-1167.9; 6-6167.9

Sale credit, 6-699; 6-1167.9; 6-5699; 6-6167.9

Same or related persons as to, 6-1168; 6-6168

Inaccuracies, events causing; open-end credit disclosures, 6-1165.95; 6-6165.95

Inconsistent disclosure requirements, 6-1180.7 et seq.; 6-6180.7 et seq.

Inserts, use of; open-end credit disclosures, 6-1165.95; 6-6165.95

Installment

Credit advertising of, 6-1104

Sale sample form, closed-end credit, 6-1011; 6-6011

Insurance, 6-648; 6-838; 6-5648; 6-5838

Closed-end credit disclosure, 6-838; 6-1175; 6-1176.8; 6-5838; 6-6175; 6-6176.8

Credit and charge card accounts, change in provider, 6-717; 6-718; 6-1081.5; 6-1168.95; 6-1168.96; 6-5717; 6-5718; 6-6168.95; 6-6168.96

Credit insurance

Identification of transactions, 6-1168.01; 6-6168.01

Premium increases; home-equity plans, 6-1166.51; 6-6184.8

Credit life insurance—See Credit life insurance, this heading.

Credit loss insurance as finance charge, 6-1164.4; 6-6164.4

Finance charge, premiums as, 6-646; 6-1164.4; 6-1164.5; 6-5646; 6-6164.4; 6-6164.5

Exclusion, conditions for, 6-1165.1 et seq.; 6-6165.1 et seq.

Initial term, 6-1165.21; 6-6165.21

Loan-guarantee, as prepaid finance charge, 6-1163.25; 6-6163.25

Mail or telephone orders, 6-1175

Mortgage

Automatic-termination date, 6-1176.1; 6-6176.1

Prepaid premiums, 6-1175.71

Premiums—See Finance charges, this heading.

Property insurance, home-equity plans

Failure to maintain, 6-1166.5; 6-6184.79

Premium increases, 6-1166.51; 6-6184.8

Renewal, refinancing, 6-1177.6; 6-6177.6

Residual-value insurance, 6-1164.4; 6-6164.4

Signature, authorizing, 6-1165.2; 6-6165.2

Timing of disclosure, 6-1165.1; 6-6165.1

Unit-cost disclosures, 6-1165.1; 6-6165.1

``Written in connection with'' transaction, 6-1164.5; 6-6164.5

Interest

Lost; as finance charge, 6-647; 6-1164.23; 6-1165; 6-5647; 6-6164.23; 6-6165

Delayed mortgage loan closing, 6-1174.9; 6-6174.9

Per diem, disclosures affected by, 6-821; 6-1174.42; 6-5821; 6-6174.42

Home-equity loans, high-cost, 6-971.2; 6-1182.2; 6-5971.2; 6-6182.2

Interest rate—See also Annual percentage rate; Periodic rates, this heading.

Change, early disclosure, 6-1174.9; 6-6174.9

Effective, advertising, 6-1179.8; 6-6179.8

Total-annual-loan-cost rate, 6-1020 et seq.; 6-1192 et seq.; 6-6020 et seq.; 6-6192 et seq.

Assumed loan periods, 6-1024; 6-1192.3; 6-6024; 6-6192.3

Variable—See Variable rates, this heading.

Intermediary agent or broker, variable-rate loans involving, 6-1177.15; 6-6177.15

Investigation fees as finance charges, 6-646; 6-5646

Investment earnings, prohibited offsets, 6-1165.3; 6-6165.3

Joint venture as person, 6-1163.2; 6-6163.2

Land trusts

Credit extended to, consumers, 6-1162; 6-6162

Exempt transactions, 6-1163.8; 6-6163.8

Language of disclosures, 6-946; 6-1180.6; 6-6180.6

Late payment, increase in annual percentage rate, 6-1166.74; 6-6166.74

Credit and charge cards, 6-1166.06; 6-6189.916

Late-payment fees

Disclosures, 6-838; 6-1081.04; 6-1082; 6-1176.6; 6-5838; 6-6176.6

Single-payment loan, 6-1173.8; 6-6173.8

Finance charges, exclusion from, 6-647; 6-1164.8; 6-5647; 6-6164.8

Leasing, consumer—See Consumer leasing.

Legal obligation, basis of disclosures and use of estimates

Closed-end credit, 6-821; 6-1174.1; 6-5821; 6-6174.1

Modification of, 6-1174.1; 6-6174.1

Open-end credit, 6-1165.8; 6-6165.8

Liability

Adverse credit reports prohibited, 6-1170.5; 6-6170.5

Assignees, of, 6-1093 et seq.

Civil—See Civil liability, this heading.

Class action, moratorium on, 6-1092.1

Credit cardholder, for unauthorized use, 6-1170 et seq.; 6-6170 et seq.

See also Credit and charge cards, at Unauthorized use.

Criminal, for violation of Truth in Lending Act, 6-1066

Limitations on, 6-1102.4; 6-1102.41

Media, nonliability for advertising, 6-1107

Regulation Z, under, 6-603; 6-5603

State exemptions from disclosure requirements, civil liability, 6-970; 6-5970

Life insurance, credit—See Credit life insurance, this heading.

Loan-guarantee insurance as prepaid finance charge, 6-1163.25; 6-6163.25

Loss-of-income insurance premiums as finance charges, 6-646; 6-1164.5; 6-5646; 6-6164.5

Exclusions, conditions for, 6-648; 6-5648

Lump-sum payments, allocation, 6-1163.25; 6-6163.25

Mail orders, delay in disclosure, 6-823; 6-1175; 6-5823

Maine law, exemption, 6-1181.1; 6-6181.1

Massachusetts law, exemption, 6-1181.1; 6-6181.1

Media, nonliability for advertising, 6-1107

Minimum charges as terms requiring additional disclosures, advertising, 6-1173.5; 6-6173.5

Mississippi law, preemption of disclosure provisions, 6-1180.92; 6-6180.92

Missouri law, preemption of disclosure provisions, 6-1180.92; 6-6180.92

Model forms and clauses, 6-992 et seq.; 6-1001 et seq.; 6-5992 et seq.; 6-6001 et seq.

More-conspicuous rule, exception to; disclosure of figures, 6-1165.6; 6-6165.6

Morris plan transactions, closed-end credit disclosures, 6-1174.36; 6-6174.36

Required deposit, 6-1176.9; 6-6176.9

Mortgages

Adjustable-rate—See Variable rates, this heading.

Annual percentage rate, accuracy, 6-1178.31; 6-6178.31

Balloon, 6-1174.6; 6-6174.6

Reverse mortgages—See Home-equity plans.

Broker fees, as finance charges, 6-1164.37; 6-6164.37

Closed–end, requirements, 6-1182.3 et seq.; 6-6182.3 et seq.

Construction loans, multiple-advance—See Construction loans, this heading.

Demand feature, with; sample form, 6-1013; 6-1191.5; 6-6013; 6-6191.5

Finance charge, 6-836; 6-5836

Graduated-payment adjustable-rate, disclosures, 6-1174.33; 6-6174.33

Growth-equity mortgages, 6-1174.34; 6-6174.34

Insurance, mortgage

Automatic-termination date, 6-1176.1; 6-6176.1

Prepaid premiums, 6-1175.71

Periodic statements, 6-5972.676; 6-6184.95

Pledged-account, 6-1176.9; 6-6176.9

Preparation fees excluded from finance charges, 6-647; 6-5647

Price-level-adjusted mortgages, truth in lending disclosures, 6-1174.33; 6-1177.15; 6-1181.21; 6-6174.33; 6-6177.15; 6-6181.21

Renegotiable-rate—See Variable rates, this heading.

Residential mortgage transactions, 6-1163.3; 6-1163.31; 6-6163.3; 6-6163.31

See also this subheading generally.

Ability to repay standard, 6-5972.69; 6-6185.5

Acquisition, 6-1163.3; 6-6163.3

Amount financed, itemization, 6-1177.1; 6-6177.1

Application, written, 6-1177.1; 6-6177.1

Charges, exclusion as finance charges, 6-647; 6-1164.7; 6-1165; 6-1165.01; 6-5647; 6-6164.7; 6-6165; 6-6165.01

Definition, 6-620; 6-1040; 6-1163.3; 6-1163.31; 6-5620; 6-6163.3; 6-6163.31

Electronic disclosures, 6-852; 6-1177.15; 6-1177.35; 6-5852; 6-6177.15; 6-6177.35

Exceptions, 6-1177.1; 6-6177.1

Lien status, 6-1163.3; 6-1179.5; 6-6163.3; 6-6179.5

Minimum standards, 6-5972.69; 6-6185.5

Qualified mortgage standard, 6-5972.69; 6-6185.5

Redisclosures, 6-850; 6-1177.11; 6-5850; 6-6177.11

Rescission, right of; exempt from, 6-797; 6-1173.2; 6-1179.5; 6-5797; 6-6173.2; 6-6179.5

Time of disclosure, 6-850; 6-1177; 6-1177.11; 6-1177.15; 6-5850; 6-6177; 6-6177.11; 6-6177.15

Variable-rate—See Variable rates, this heading.

Reverse mortgages, 6-971.9 et seq.; 6-1183.5 et seq.; 6-5971.9 et seq.; 6-6183.5 et seq.

See also Home-equity plans.

Second—See Home-equity plans.

Shared-equity and -appreciation mortgages, 6-1175.9; 6-6175.9

Spreader clauses—See Spreader clauses, this heading.

Variable-rate—See Variable rates, this heading.

Multifeatured plans, 6-1167.4; 6-6167.4

Multiple-advance construction loans—See Construction loans, multiple-advance, this heading.

Multiple balances disclosed, use of one balance-computation method explanation, 6-1167.5; 6-6167.5

Multiple creditors or consumers, 6-1070

Closed-end credit, 6-822; 6-1174.8; 6-5822; 6-6174.8

Home-equity plans and reverse mortgages, 6-971.2; 6-5971.2

Open-end credit, 6-663; 6-5663

Multiple-page advertisements

Closed-end credit, 6-913; 6-5913

Credit advertising, 6-1103

Open-end credit, 6-809; 6-5809

Multiple-purpose forms, closed-end credit, 6-1173.81; 6-6173.81

Multiple-purpose transactions, as residential mortgage transactions, 6-1163.31; 6-6163.31

Multiple transactions, 6-1174.35; 6-1174.7; 6-6174.35; 6-6174.7

Negative amortization, 6-1177.85; 6-6177.85

Home-equity plans, 6-668.6; 6-971.6; 6-1081.67; 6-1166.37; 6-5971.6; 6-5972.667; 6-6184.67

Mortgages, 6-971.6; 6-1177.24; 6-5971.6; 6-6177.24

Nonfiling insurance, exclusion as finance charge, 6-1165.3; 6-6165.3

Nonsale credit, identification of transactions, 6-700; 6-1167.9; 6-5700; 6-6167.9

Notary fees excluded from finance charges, 6-647; 6-5647

Security-interest charges, 6-1165.3; 6-6165.3

Notice

Adequate, defined as to, 6-1035

Change in terms, 6-713; 6-5713

Home-equity plans—See Home-equity plans.

Closed-end credit, right of rescission, 6-898; 6-5898

Disclosure, public notice of determination; effect on state law, 6-982; 6-5982

Notification of returns, prompt, 6-1117

Open-end credit, right of rescission, 6-795; 6-5795

Offsets, prohibited, 6-751; 6-1120; 6-5751

Finance charges, excluded from, 6-650; 6-1165.4; 6-5650; 6-6165.4

Oklahoma law, exemption, 6-1181.1; 6-6181.1

Open-end credit, 6-661 et seq.; 6-1165.5 et seq.; 6-5661 et seq.; 6-6165.5 et seq.

Converting from closed-end, 6-1165.71; 6-6165.71

Converting to closed-end, 6-1179.6; 6-6179.6

Credit cards—See Credit and charge cards.

Dwelling, secured by—See Dwelling, security interest in, this heading.

Plan, 6-1080; 6-1081

Definition, 6-1035

Termination by creditor

Charges for, 6-1166.77; 6-6166.77

Finance charges, termination for not incurring prohibited, 6-1081.53

Notice not required, 6-713; 6-5713

Periodic statements, disclosures, 6-1165.73; 6-6165.73

Oral disclosures

Advertising, 6-1108

Annual percentage rate, use in

Closed-end credit, 6-1180.5; 6-6180.5

Open-end credit, 6-935; 6-1180.4; 6-5935; 6-6180.4

Organizational credit transactions, exemptions, 6-633; 6-1163.7 et seq.; 6-5633; 6-6163.7 et seq.

Other charges, 6-675; 6-1166.77; 6-5675; 6-6166.77

Overdrafts—See Overdrafts.

Participation fees excluded from finance charges, 6-647; 6-1164.8; 6-5647; 6-6164.8

Pawn transactions, 6-1174.37; 6-6174.37

Payday loans, 6-1162.11; 6-6162.11

Payments

Allocation

Initial disclosure statements, 6-1166.75; 6-6166.75

Lump-sum payments, 6-1163.25; 6-6163.25

Late

Closed-end credit disclosure, 6-838; 6-5838

Fees, excluded from finance charges, 6-1164.8; 6-6164.8

Lump-sum, allocation, 6-1163.25; 6-6163.25

Minimum required, warnings about making, 6-1081.01 et seq.

Prompt crediting, 6-725; 6-1115; 6-1169.1 et seq.; 6-5725; 6-6169.1 et seq.

Schedule, closed-end credit disclosure, 6-837; 6-1176.1; 6-5837; 6-6176.1

Abbreviated, 6-1176.1; 6-6176.1

Irregularities, 6-1174.5; 6-6174.5

Timing, 6-1176.1; 6-6176.1

Total

Calculation, 6-1176.2; 6-6176.2

Closed-end credit disclosure, 6-838; 6-1176.2; 6-5838; 6-6176.2

Percentage rate, annual—See Annual percentage rate, this heading.

Period billing, length, 6-1114

Periodic rates, 6-687; 6-1167.2 et seq.; 6-5687; 6-6167.2 et seq.

Annual percentage rate, 6-1172.1; 6-6172.1

Average daily balance, monthly rate on, 6-1167.4; 6-6167.4

Balance ranges, split rates applied to, 6-1167.4; 6-6167.4

Corresponding annual percentage rate, periodic statements, 6-1167.3; 6-6167.3

Credits, nondeduction of, 6-1167.5; 6-6167.5

Daily

Calculation of annual percentage rate where applicable, 6-783; 6-1172.3; 6-5783; 6-6172.3

Daily balance, on; finance charge computed on, 6-1167.4; 6-6167.4

Definition, 6-620; 6-1163.1; 6-5620; 6-6163.1

Finance charge

Accrued, allocated from payments, 6-1167.5; 6-6167.5

Amount of, 6-1167.5; 6-6167.5

Balance on which computed, 6-1167.4; 6-1167.5; 6-6167.4; 6-6167.5

Itemization of types of finance charges and different periodic rates, 6-1167.5; 6-6167.5

Limitation, balance on which finance charge computed, 6-1167.4; 6-6167.4

Monthly rate on average daily balance, 6-1167.4; 6-6167.4

Multifeatured plans, 6-1167.4; 6-6167.4

Multiple rates, same transaction, periodic statement, 6-1167.3; 6-6167.3

Finance charge, amount, 6-1167.5; 6-6167.5

Split rates applied to balance ranges, 6-1167.4; 6-6167.4

Transaction charges, 6-1163.1; 6-6163.1

Periodic statements, 6-662; 6-1167 et seq.; 6-5662; 6-6167 et seq.

Address for notice of billing errors, 6-688; 6-1167.8; 6-5688; 6-6167.8

Annual percentage rate, 6-688; 6-782; 6-1167.7; 6-1172.11 et seq.; 6-5688; 6-5782; 6-6167.7; 6-6172.11 et seq.

Corresponding, 6-1167.3; 6-6167.3

Transaction charges, 6-1172.2; 6-6172.2

Balance

Finance charge computed on, 6-687; 6-1167.4; 6-1167.5; 6-5687; 6-6167.4; 6-6167.5

Minimal, statement not required, 6-1165.73; 6-6165.73

Previous, 6-686; 6-1167; 6-5686; 6-6167

Billing cycle, closing date, 6-688; 6-1167.7; 6-5688; 6-6167.7

Computer malfunction, disclosure requirements, 6-1165.75; 6-6165.75

Credits, 6-686; 6-1167.1; 6-5686; 6-6167.1

Customer pickup of, 6-1165.75; 6-6165.75

Daily rate with specific transaction charge, 6-1172.2; 6-6172.2

Date, credits, 6-1167.1; 6-6167.1

Delinquent account, 6-662; 6-5662

Electronic receipt of—See Electronic communication, this heading.

Finance charges, 6-687; 6-1167.5; 6-5687; 6-6167.5

Accrued, allocated from payments; previous balance, 6-1167; 6-6167

Fourteen-day rule, 6-662; 6-1165.75; 6-5662; 6-6165.75

Free-ride period, 6-688; 6-1167.8; 6-5688; 6-6167.8

Multifeatured plans

Identification of transactions, 6-1167.1; 6-6167.1

Previous balance, 6-1167; 6-6167

Multiple rates, periodic rates, 6-1167.3; 6-6167.3

Other charges, 6-688; 6-1167.7; 6-5688; 6-6167.7

Returned as undeliverable, 6-1165.73; 6-6165.73

Separate, permissible, 6-1167; 6-6167

Termination of credit privileges, 6-662; 6-1165.73; 6-5662; 6-6165.73

Totals, credits, 6-1167.1; 6-6167.1

Transactions

Charges, annual and daily rate, 6-1172.2; 6-6172.2

Identification, 6-686; 6-1167.1; 6-5686; 6-6167.1

Person defined, 6-620; 6-1032; 6-1163.2; 6-5620; 6-6163.2

Pledged-account mortgages, 6-1176.9; 6-6176.9

Points as finance charges, 6-646; 6-1163.25; 6-5646; 6-6163.25

Allocation, 6-1174.7; 6-6174.7

Definition, 6-971.4; 6-5971.4

Seller's points excluded, 6-647; 6-1164.9; 6-5647; 6-6164.9

Predatory lending—See Home-equity plans, at High-cost plans and at Reverse mortgages.

Preemption determinations, state statutes, 6-1180.91; 6-1180.92; 6-6180.91; 6-6180.92

Preferred-rate loans—See Variable rates, this heading.

Premium rates—See Discount and premium rates, this heading.

Premiums

Insurance—See Finance charges, this heading.

Loan, 6-1175.4; 6-6175.4

Prepayment

Closed-end credit, 6-838; 6-5838

Disclosure, 6-838; 6-1176.5 et seq.; 6-5838; 6-6176.5 et seq.

Penalty, 6-1373

Price

Cash, defined, 6-616; 6-1161.9; 6-5616; 6-6161.9

Regular

Defined, 6-1040

Determination as to, 6-1164.6; 6-6164.6

Prohibited offsets excluded from finance charges, 6-650; 6-1165.4; 6-5650; 6-6165.4

Property exchange, effects of rescission, 6-1173.1; 6-6173.1

Public utility credit, exemptions, 6-634; 6-1164; 6-5634; 6-6164

Real estate

Fees for preparation of truth in lending and uniform settlement statements for settlement prohibited, 6-1362; 6-1398

Security, as; accuracy of finance-charge disclosures, 6-1048.1

Title fees excluded from finance charges, 6-647; 6-5647

Transaction charges excluded from finance charges, 6-1165.01; 6-1167.7; 6-6165.01; 6-6167.7

Real Estate Settlement Procedures Act transactions, 6-1175.6; 6-6175.6

Rebates, 6-1175.4; 6-6175.4

Records, retention and inspection, 6-924; 6-1180.3; 6-5924; 6-6180.3

Redisclosures, basis of disclosures and use of estimates for open-end credit, 6-1165.8; 6-6165.8

Refinancings

Business credit, later; exemption, 6-1163.8; 6-6163.8

Disclosure requirements, 6-861; 6-1177.5; 6-1177.6; 6-5861; 6-6177.5; 6-6177.6

Class action, moratorium on, 6-1092.1

Forms, sample, 6-1012; 6-1191.5; 6-6012; 6-6191.5

Rescission rights, 6-1009; 6-1191.4; 6-6009; 6-6191.4

Refunds

Credit balance, 6-736; 6-873; 6-1116; 6-1169.4; 6-1178; 6-1178.1; 6-5736; 6-5873; 6-6169.4; 6-6178; 6-6178.1

Amount of, 6-1169.4; 6-6169.4

Good faith effort, 6-1169.4; 6-1178.1; 6-6169.4; 6-6178.1

Standing orders, written request, 6-1169.4; 6-1178.1; 6-6169.4; 6-6178.1

Timing of, 6-1169.4; 6-1178; 6-6169.4; 6-6178

Total balance due, 6-1178; 6-6178

Rescission, effects of, 6-1173; 6-6173

Regular price

Definition, 6-1040

Determination as to, 6-1164.6; 6-6164.6

Regulation E, relation to, 6-1171.8; 6-6171.8

Regulation Z, 6-600 et seq.; 6-5600 et seq.

See also Regulation Z.

Rental property

Non-owner-occupied, exemption, 6-1163.7; 6-6163.7

Owner-occupied, exemption, 6-1163.8; 6-6163.8

Reports by Federal Reserve Board and attorney general, 6-1069

Required actions, evidence of, 6-1180.3; 6-6180.3

Required deposits—See Deposits, this heading.

Rescission, right of

Closed-end credit, 6-897; 6-1178.6 et seq.; 6-5897; 6-6178.6 et seq.

Accuracy tolerances, 6-902; 6-5902

Advances, exemption, 6-1179.5; 6-1179.6; 6-6179.5; 6-6179.6

Combined-purpose transaction, exemption, 6-1179.5; 6-6179.5

Delay of creditor's performance, 6-898; 6-1179.1; 6-5898; 6-6179.1

Disclosures, material, 6-1178.8; 6-6178.8

Dwelling, principal—See Dwelling, security interest in, this heading.

Effects of rescission, 6-899; 6-1179.2; 6-1179.3; 6-5899; 6-6179.2; 6-6179.3

Escrow, delay of creditor's performance, 6-898; 6-1179.1; 6-5898; 6-6179.1

Exempt transactions, 6-901; 6-1179.5; 6-1179.6; 6-5901; 6-6179.5; 6-6179.6

Exercise of, 6-897; 6-900; 6-1178.8; 6-5897; 6-5900; 6-6178.8

Joint owners, 6-1178.9; 6-6178.9

Lien status, exemption, 6-1179.5; 6-6179.5

Model forms, 6-1008; 6-1191.1 et seq.; 6-6008; 6-6191.1 et seq.

Modifications, 6-1179.3; 6-6179.3

Notice of, 6-898; 6-1179; 6-5898; 6-6179

Property exchange, 6-1179.3; 6-6179.3

Refinancing, model form, 6-1009; 6-1191.4; 6-6009; 6-6191.4

Refunds to consumer, 6-1173; 6-1179.2; 6-6173; 6-6179.2

Residential mortgage transactions, exemption, 6-1179.5; 6-6179.5

Security interest arising from transaction, 6-1178.6; 6-1179.2; 6-6178.6; 6-6179.2

Spreader clauses, exemption, 6-1179.6; 6-6179.6

State creditors, exemption, 6-1179.6; 6-6179.6

Transactions not covered, 6-1178.6; 6-6178.6

Unexpired right, 6-1178.9; 6-6178.9

Waiver by consumer, 6-900; 6-1179.4; 6-5900; 6-6179.4

Open-end credit, 6-794; 6-797; 6-1172.4 et seq.; 6-5794; 6-5797; 6-6172.4 et seq.

Delay, creditor's performance, 6-796; 6-5796

Effects of rescission, 6-796; 6-1172.9 et seq.; 6-5796; 6-6172.9 et seq.

Escrow, delay of creditor's performance, 6-1172.8; 6-6172.8

Exceptions, consumer's right to rescind, 6-1172.4; 6-6172.4

Exempt transactions, 6-797; 6-1173.2; 6-5797; 6-6173.2

Joint owners, 6-1172.62; 6-6172.62

Material disclosures, consumer's right to rescind, 6-1172.61; 6-6172.61

Modifications, effects of rescission, 6-1173.1; 6-6173.1

Notice of, 6-795; 6-1172.7; 6-5795; 6-6172.7

Property exchange, 6-1173.1; 6-6173.1

Refunds to consumer, 6-1173; 6-6173

Residential mortgage transactions, exemption, 6-1173.2; 6-6173.2

Security interest, 6-1163.4; 6-1172.4 et seq.; 6-1172.9; 6-1173; 6-6163.4; 6-6172.4 et seq.; 6-6172.9; 6-6173

Spreader clause, exemption, 6-1173.2; 6-6173.2

State creditors, exemption, 6-1173.2; 6-6173.2

Third party, performance by; delay in creditor's performance, 6-1172.8; 6-6172.8

Time of providing notice of consumer's right to rescind, 6-1172.7; 6-6172.7

Transactions not covered, 6-1172.4; 6-6172.4

Unexpired right, 6-1172.61; 6-6172.61

Waiver by consumer, 6-797; 6-1173.2; 6-5797; 6-6173.2

Residential mortgage transactions—See Mortgages, this heading.

Residual-value insurance, 6-1164.4; 6-6164.4

Restitution

Administrative enforcement, policy statement, 6-1160

Orders, exemption from, 6-1160

Returns, prompt notification of, 6-1117

Safety of creditor, adjustments, 6-1066

Sale credit, identification of transactions, 6-699; 6-1167.9; 6-5699; 6-6167.9

Sale price, total, 6-838; 6-5838

Calculation, 6-1176.4; 6-6176.4

Securities accounts, exemptions, 6-634; 6-1164; 6-5634; 6-6164

Security interests, 6-838; 6-839; 6-1176.7; 6-5838; 6-5839; 6-6176.7

Charges

Finance charges, excluded from, 6-650; 6-839; 6-1165.3; 6-5650; 6-5839; 6-6165.3

Format of disclosures, 6-1176.8; 6-6176.8

Collateral

Additional, 6-1166.8; 6-6166.8

Mixed, 6-1176.7; 6-6176.7

Third-party, 6-1166.8; 6-1176.7; 6-6166.8; 6-6176.7

Credit card issuer, limitations, 6-1170.7; 6-6170.7

Definition, 6-621; 6-1163.4; 6-5621; 6-6163.4

Dwelling, in—See Dwelling, security interest in, this heading.

Identification of property, 6-1166.8; 6-6166.8

Multiple, 6-1163.41; 6-6163.41

Open-end credit, 6-675; 6-1166.8; 6-5675; 6-6166.8

Spreader clauses—See Spreader clauses, this heading.

Termination, 6-1172.9; 6-1173; 6-6172.9; 6-6173

Transaction, arising from; right of rescission

Closed-end credit, 6-1178.6; 6-6178.6

Consumer's right, 6-1172.4 et seq.; 6-6172.4 et seq.

Segregation of disclosures, closed-end credit, 6-820; 6-1173.7; 6-1173.8; 6-5820; 6-6173.7; 6-6173.8

Series of sales, delay in disclosure, 6-824; 6-5824

Service charges as finance charges, 6-646; 6-5646

Signatures, insurance authorization; finance charge exclusions, 6-1165.2; 6-6165.2

Single add-on rate transactions, closed-end credit annual percentage rate, 6-886; 6-5886

Single-interest insurance, finance charge exclusion, 6-1165.2; 6-6165.2

Soundness of creditor, adjustments, 6-1066

South Carolina law, preemption of disclosure provisions, 6-1180.92; 6-6180.92

Spreader clauses

Closed-end credit, right of rescission; exemption, 6-1179.6; 6-6179.6

Open-end credit, 6-1166.8; 6-6166.8

Home-equity plans, 6-1166.22; 6-6184.52

Rescission, right of; exemption, 6-1173.2; 6-6173.2

Staff commentary on Regulation Z, 6-1161 et seq.; 6-6161 et seq.

Staff interpretations, issuance, 6-986; 6-1190.2; 6-5986; 6-6190.2

State, definition, 6-621; 6-1037; 6-5621

State creditors, not exempt from rescission provisions, 6-1173.2; 6-6173.2

State law

Consistency determination

Authority to make, 8-109.1

Disclosure requirements—See Disclosure requirements, this subheading.

Documents, supporting, 6-981; 6-5981

Notice of, 6-982; 6-5982

Request for, 6-981; 6-1190; 6-5981; 6-6190

Reversal, 6-982; 6-5982

Similarity, substantial; exemptions, 6-1181.1; 6-6181.1

Credit and charge card applications and solicitations, 6-960; 6-5960

Credit billing, 6-1123; 6-1124

Disclosure requirements, 6-957 et seq.; 6-1063; 6-1064; 6-1181; 6-5957 et seq.; 6-6181

Arizona law, preemption of, 6-1180.91; 6-1180.93; 6-6180.91; 6-6180.93

Credit and charge card solicitation, 6-1065.1

Determination, request for, 6-959; 6-5959

Equivalent, 6-959; 6-5959

Florida law, preemption of, 6-1180.91; 6-6180.91

Inconsistent, 6-957; 6-958; 6-5957; 6-5958

Indiana law, preemption of, 6-1180.93; 6-6180.93

Mississippi law, preemption of, 6-1180.92; 6-6180.92

Missouri law, preemption of, 6-1180.92; 6-6180.92

South Carolina law, preemption of, 6-1180.92; 6-6180.92

Wisconsin law, preemption of, 6-1180.94; 6-6180.94

Enforcement, adequate; exemptions, 6-1181.1; 6-6181.1

Exemptions for classes of transactions, 6-970; 6-983 et seq.; 6-1181.1; 6-1181.2; 6-1190.1; 6-5970; 6-5983 et seq.; 6-6181.1; 6-6181.2; 6-6190.1

Application, 6-983; 6-5983

Civil liability, 6-1181.2; 6-6181.2

Classes eligible, 6-1181.1; 6-6181.1

Connecticut, 6-1181.1; 6-6181.1

Credit billing, 6-1124; 6-1180.9; 6-6180.9

Disclosure requirements—See Disclosure requirements, this subheading.

Documents, supporting, 6-983; 6-5983

Enforcement, adequate, 6-1181.1; 6-6181.1

Maine, 6-1181.1; 6-6181.1

Massachusetts, 6-1181.1; 6-6181.1

Notice of application, 6-984; 6-5984

Oklahoma, 6-1181.1; 6-6181.1

Revocation of exemption, 6-985; 6-5985

Wyoming, 6-1181.1; 6-6181.1

Truth in Lending Act, effect of on, 6-1063 et seq.; 6-1123; 6-1124

Statements, periodic—See Periodic statements, this heading.

State-regulated transactions, exemption from disclosure requirements, 6-1073

Student loans

Forms, 6-1191.6; 6-1191.7; 6-6191.6; 6-6191.7

Interim, disclosures, 6-824; 6-1175.1; 6-5824; 6-6175.1

Programs, exemptions, 6-634; 6-1164.1; 6-5634; 6-6164.1

Subsequent occurrences, effect of disclosures, 6-1174; 6-6174

Surcharges defined, 6-1037

Suspended account, reactivation; initial disclosure, 6-1165.71; 6-6165.71

Taxes

Creditor and consumer, on; as finance charge, 6-1164.2; 6-1164.3; 6-6164.2; 6-6164.3

Security interest, on

Failure to pay, termination of home-equity plan, 6-1166.5; 6-6184.79

Finance charges, excluded from, 6-650; 6-1165.3; 6-5650; 6-6165.3

Tax refund-anticipation loans, 6-1174.36; 6-6174.36

Telephone orders, delay in disclosures, 6-823; 6-1175; 6-5823

Third-party charges, as finance charges, 6-645; 6-1164.35; 6-1164.4; 6-5645; 6-6164.35; 6-6164.4

Threshold test, security interest, 6-1163.4; 6-6163.4

Tie-ins, credit card use, 6-753; 6-5753

Services prohibited, 6-1119

Time deposit interest forfeited excluded from finance charges, 6-647; 6-5647

Title fees, real estate; excluded from finance charges, 6-647; 6-1048; 6-5647

Total-annual-loan-cost rate, reverse mortgages, 6-1020 et seq.; 6-1192 et seq.; 6-6020 et seq.; 6-6192 et seq.

Assumed loan periods, 6-1024; 6-1192.3; 6-6024; 6-6192.3

Transaction charges

Annual percentage rate, periodic statements, 6-1172.2; 6-6172.2

Finance charges, as, 6-646; 6-5646

Periodic rate, 6-1163.1; 6-6163.1

Specific, daily rate with; periodic statements, 6-1172.2; 6-6172.2

Terms requiring additional disclosures, advertising, 6-1173.5; 6-6173.5

Trustee-account payments excluded from finance charges, 6-647; 6-5647

Trusts

Creditors, 6-1162.5; 6-6162.5

Truth in lending statement, no fee for preparation for real estate settlement, 6-1362; 6-1398

Uniform statement, no fee for preparation for real estate settlement, 6-1362; 6-1398

Variable rates, 6-837; 6-1175.9 et seq.; 6-5837; 6-6175.9 et seq.

Adjustments, 6-863; 6-1177.8 et seq.; 6-5863; 6-6177.8 et seq.

Amortization, full, 6-1177.85; 6-6177.85

Amortization, negative—See Negative amortization, this heading.

Basis of disclosures, legal obligation, 6-1174.1; 6-6174.1

Frequency, 6-1177.23; 6-1177.25; 6-1177.27; 6-6177.23; 6-6177.25; 6-6177.27

Index values, 6-668.9; 6-1166.42; 6-1166.47; 6-1177.82; 6-5972.67; 6-6184.71; 6-6184.76

Notices, 6-1177.29; 6-1177.8; 6-6177.29; 6-6177.8

Rate caps, 6-1177.25; 6-1177.27; 6-6177.25; 6-6177.27

Balloon-payment instruments, renewable, 6-1174.33; 6-1177.15; 6-1177.5; 6-6174.33; 6-6177.15; 6-6177.5

Buydowns, 6-1174.31; 6-1177.22; 6-6174.31; 6-6177.22

Carryover, interest rate, 6-1177.24; 6-1177.83; 6-6177.24; 6-6177.83

Construction loans, 6-1177.15; 6-1190.3; 6-6177.15; 6-6190.3

Conversion to fixed rates, 6-1176; 6-6176

Credit and charge cards, 6-664.3; 6-1081.1; 6-1166.05; 6-1166.06; 6-5976.3; 6-6189.915; 6-6189.916

Discount and premium rates, 6-1174.32; 6-1177.22; 6-6174.32; 6-6177.22

Default, changes in rate after, 6-1181.25; 6-6181.25

Home-equity plans, 6-1166.43; 6-1166.5; 6-6184.72; 6-6184.79

Mortgages—See Mortgages, this subheading.

Estimates, 6-1174.31; 6-6174.31

Home-equity plans—See Home-equity plans.

Model clauses, 6-1191.5; 6-6191.5

Multiple ceilings, 6-1181.25; 6-6181.25

Intermediary agent or broker, transactions involving, 6-1177.15; 6-6177.15

Model clauses, 6-1004 et seq.; 6-1191.2; 6-1191.3; 6-1191.5; 6-6004 et seq.; 6-6191.2; 6-6191.3; 6-6191.5

Mortgages, 6-851; 6-1177.15 et seq.; 6-5851; 6-6177.15 et seq.

Adjustments, 6-1177.24; 6-1177.25; 6-6177.24; 6-6177.25

Buydowns, 6-1177.22; 6-6177.22

Conversion option, 6-1177.24; 6-6177.24

Demand feature, 6-1177.28; 6-6177.28

Discount and premium rate, 6-1177.22; 6-1177.25; 6-6177.22; 6-6177.25

Electronic applications, 6-1177.15; 6-6177.15

Graduated payments, disclosures, 6-1174.33; 6-6174.33

Index values, 6-1177.2; 6-1177.25; 6-6177.2; 6-6177.25

Information brochure, 6-1177.16; 6-6177.16

Initial rate, 6-1177.27; 6-6177.27

Margin selection, 6-1177.21; 6-6177.21

Maximum payment, 6-1082

Maximum rate, 6-1082; 6-1124.5; 6-1177.27; 6-6177.27

Multiple loan programs, 6-1177.17; 6-1177.3; 6-6177.17; 6-6177.3

Negative amortization, 6-1177.24; 6-6177.24

Payment calculation, 6-1177.26; 6-6177.26

Preferred-rate, 6-1177.15; 6-1177.24; 6-6177.15; 6-6177.24

Price-level-adjusted, 6-1177.15; 6-1181.21; 6-6177.15; 6-6181.21

Record retention, 6-1180.3; 6-6180.3

Reverse, 6-971.5; 6-5971.5

Sample rate form, closed-end credit, 6-1014; 6-1191.5; 6-6014; 6-6191.5

Shared-equity or shared-appreciation, 6-1174.33; 6-1175.7; 6-6174.33; 6-6175.7

Term of loan, 6-1177.25; 6-6177.25

Timing of disclosures, 6-1177.15; 6-6177.15

Negative amortization—See Negative amortization, this heading.

Plans, initial disclosure statements, 6-1166.72; 6-1166.73; 6-6166.72; 6-6166.73

Preferred-rate loans, 6-1174.33; 6-1177.24; 6-6174.33; 6-6177.24

Refinancing, subsequent disclosure requirements, 6-1177.5; 6-6177.5

Violations

Improper disclosure, involving, 6-1160

Liability for—See Liability, this heading.

Nondisclosure, involving, 6-1160

Voluntary insurance, finance charge disclosures, 6-1165.2; 6-6165.2

Waiver for borrower with high income or assets, 6-1043.2

Wisconsin law, preemption, 6-1180.94; 6-6180.94

Wraparound financing, 6-1174.3; 6-6174.3

Wyoming law, exemption, 6-1181.1; 6-6181.1

Truth in Lending Act, 6-1030 et seq.

Administration of, authority to issue forms and other print matter, 8-109

Consumer leasing, 6-550 et seq.

See also Consumer leasing.

Enforcement, 6-603; 6-1016; 6-1052 et seq.; 6-5603

Federal Reserve Board

Enforcement, 6-1052

Exemption authority, 6-1043.1; 6-1043.2

Model forms and clauses, publication by, 6-1042; 6-1043

Regulations, 6-1042 et seq.

Reports by, 6-1069

Government agencies

Effect on, 6-1067

Views of, 6-1062

Regulations

Federal agencies, issuance by, 6-1054

Federal Reserve Board, 6-1042 et seq.

State laws, effect on—See Truth in lending.

Summary, 6-1125 et seq.

Violation, criminal; liability for, 6-1066

Truth in savings, 6-6900 et seq.

See also Regulation DD (Consumer Financial Protection Bureau); Truth in Savings Act.

Account

Covered, 6-7021

Definition, 6-6902; 6-6992

Accrual of interest, time period, 6-6926; 6-6967; 6-6975; 6-7084; 6-7141

Advertisements, disclosure in, 6-6961

Noncash deposits, 6-6915; 6-6975

Model disclosure clause, 6-6940.4

Acquired accounts, delivery of disclosures, 6-7070

Advertisements, 6-6927 et seq.; 6-6961 et seq.; 6-7151 et seq.

Annual percentage rates and yields, 6-7155

Certificates of deposit, sample, 6-6947

Covered, 6-7022

Definition, 6-6902

Electronic, 6-7153; 6-7153.1; 6-7165

Indoor sign, 6-6931; 6-7166

Money market accounts, 6-6948

Advertisers, applicability of rules, 6-7011

Annual percentage yield

Accuracy, 6-6912; 6-7060

Advertisements, use of term in required, 6-6928; 6-7154; 6-7155

Calculation, 6-6934 et seq.; 6-7187 et seq.

Definition, 6-6902; 6-6992

Federal Reserve Board regulations, modifications relating to, 6-6969

Guarantees affecting, Federal Reserve Board regulatory authority, 6-6969

Interest rate same as, 6-7075

Rounding, 6-6912; 6-7059; 6-7199

Annual percentage yield earned

Accuracy, 6-6912; 6-7060

Periodic statement, disclosure on, 6-6923; 6-6976; 6-7121

Rounding, 6-6912

Annual rate of simple interest

Definition, 6-6992

Disclosure statement, inclusion on, 6-6967

Average-daily-balance method

Definition, 6-6903

Periodic statement, disclosures on, 6-6924; 6-7126

Balances

Computation method, 6-6915; 6-6925; 6-6967; 6-6975; 6-7083; 6-7136 et seq.

See also specific type of method, this heading.

Minimum, requirements, 6-6915; 6-6925; 6-6967; 6-7138; 6-7139

Advertisements, 6-6929; 6-6961

Fees, affecting, 6-6966

``Free'' or similar word, misleading use of, 6-6963

Model disclosure clauses, 6-6940.3

Negative, prohibited, 6-7139

Bonuses, 6-6918

Advertisements, 6-6930; 6-7164

Aggregation, 6-7028

Definition, 6-6903; 6-7027; 6-7028

Model disclosure clauses, 6-6940.8

Business day, definition, 6-6904

Certificates of deposit—See Time accounts, this heading.

Change in terms, advance notice, 6-6919; 6-6972; 6-7102 et seq.

Model clauses, 6-6941; 6-7214

Charges—See Fees for services, this heading.

Closing account, effect of, 6-6914; 6-7081

Periodic statement, 6-7122

Club accounts, 6-7106

Advertising, 6-7162

Minimum-balance requirements prohibited, 6-7139

Compounding, 6-6914; 6-6926; 6-6975; 6-7140

Consumer, definition, 6-6904; 6-7030

Crediting, 6-6914; 6-6926; 6-6975

Closing account, effect of, 6-6914; 6-7081; 6-7140

Withdrawal, effect of, 6-6967; 6-7140; 6-7141

Credit unions, 6-6990

Daily-balance method, 6-6904

Deposit broker, definition, 6-6905; 6-6993; 6-7033

Depository institution, definition, 6-6905; 6-7032

Disclosure format, 6-6910; 6-7054

Displays on premises, rates and terms, 6-6962

Dormant accounts, 6-7137

Electronic communication, 6-6910

Account information, requests for, 6-7071

Advertising, 6-7153; 6-7165

Opening account, 6-6913

Electronic funds transfer disclosures, substitution, 6-6911; 6-7056; 6-7200; 6-7211

English, disclosures in available, 6-6910

Existing account, notice to account holder, 6-6918; 6-6974

Fees for services

Check printing, changes in fees, 6-6919; 6-7104

Content of disclosures, 6-6916; 6-6965; 6-6966; 6-6968; 6-7085; 6-7086

Earnings, effect on; advertisements, 6-6929; 6-6961

Maintenance and activity fees, 6-7152

Model disclosure clause, 6-6940.5

NOW account, 6-6944

Periodic statement, itemization on, 6-6923; 6-6976; 6-7123; 6-7124

Reduction of, not bonus, 6-7028

Schedule, sample, 6-6943

Tied accounts, 6-7086

Timing of disclosures, 6-6913

Waiver of, not bonus, 6-7028

Fixed-rate account

Definition, 6-6905

Rate information, 6-6914; 6-7075

Foreign institutions, applicability to, 6-7032

Foreign locations, transactions and institutions in; applicability to, 6-7011

Forms, model, 6-6943 et seq.

``Free,'' use of word or similar word, 6-6963; 6-7153

Grace period, definition, 6-6905

Institution, definition, 6-6905; 6-7032

Interest

Accrual—See Accrual of interest, this heading.

Amount, on periodic statement, 6-6923; 6-6976; 6-7122

Definition, 6-6905; 6-6994; 6-7035

Payouts, required

Advertising, 6-6929

Disclosure, 6-6940.7

Interest rate, 6-6965; 6-6967; 6-6968

Accuracy, 6-6912

Advertising, 6-6928; 6-6961; 6-7154; 6-7155

Annual percentage yield same as, 6-7075

Definition, 6-6906

Model disclosure clauses, 6-6940

Oral response to inquiries about, 6-6911; 6-7058

Periodic rate corresponding to, 6-7075

Rounding, 6-6912

Sample disclosure form, 6-6943

Signs and displays on premises, 6-6962

IRAs as consumer accounts, 6-7030

Keogh accounts, not considered consumer accounts, 6-7030

Language requirements, 6-6910

Minimum-balance requirements—See Balances, this heading.

Minimum opening deposit, advertisements, 6-6929; 6-6961

Model forms and clauses, 6-6940 et seq.; 6-7210 et seq.

Federal Reserve Board authority to publish, 6-6978

Use of constituting compliance, 6-6978

Money market account, tiered-rate

Advertisement, sample, 6-6948

Disclosure form, sample, 6-6945; 6-7218

Month, reference to, 6-7055

Multiple account holders, 6-6911; 6-6973

Multiple accounts, sample disclosure form, 6-6943; 6-7216

Multiple-rate account—See also Stepped-rate account and Tiered-rate account, this heading.

Definition, 6-6994

Noncash deposits, accrual of interest, 6-6915

Model disclosure clause, 6-6940.4

Notice to consumers

Change in terms, 6-6919; 6-7102 et seq.

Existing account, 6-6918

Time deposits, maturity of, 6-6920 et seq.; 6-7105 et seq.

NOW account, sample disclosure form, 6-6944

Opening account

Disclosures, 6-6913 et seq.; 6-6970; 6-6971; 6-7070

Minimum opening deposit, advertising, 6-6929

Oral inquiries, 6-7071

Overdrafts—See Overdrafts.

Passbook savings account, definition, 6-6907; 6-7038

Periodic statements, 6-6923 et seq.; 6-6976; 6-7119 et seq.

Definition, 6-6907; 6-7039

Record retention, 6-7176; 6-7177

Requests for disclosures, 6-6913; 6-7071 et seq.

Signs displayed on premises, rates and terms, 6-6962

Statements—See Periodic statements, this heading.

Stepped-rate account

Definition, 6-6908

Rate information, 6-7076

Model disclosure clauses, 6-6940

Tiered-rate account

Definition, 6-6908; 6-7042

Federal Reserve Board regulatory authority, 6-6969

Money market, tiered-rate; sample disclosure form, 6-6945; 6-7218

Rate information, 6-7076

Advertising, 6-7154

Model disclosure clauses, 6-6940

Telephone solicitations, 6-7165

Time accounts, 6-6917; 6-7088 et seq.

Advertising, 6-6929; 6-7162; 6-7163

Certificates of deposit

Advertisement, sample, 6-6947

Disclosure form, sample, 6-6946

Club accounts—See Club accounts, this heading.

Definition, 6-6908; 6-7043

Disclosure clauses and form, model, 6-6940.7; 6-6946; 6-7213

Early withdrawal penalties, 6-6917; 6-7089; 6-7090

Advertising, 6-6929; 6-7163

Matured, interest payments on not required, 6-7137

Notices before maturity, 6-6920 et seq.; 6-6970; 6-7105 et seq.

Model clauses, 6-6942

Renewal policies, disclosure, 6-6917; 6-7092

Model clauses, 6-6940.7

Short-term, 6-6919

Transactions, limitations on, 6-6916; 6-7087

``Free'' or similar word, misleading use of, 6-6963

Model disclosure clauses, 6-6940.6

Variable-rate account

Advertisements, 6-6929

Definition, 6-6909; 6-7044

Federal Reserve Board regulatory authority, 6-6969

Notices not required, 6-6919

Rate information, 6-6914; 6-7077 et seq.

Model clause, 6-6940

Written disclosures required, 6-6910

Truth in Savings Act, 6-6960 et seq.

Enforcement, 6-6979 et seq.

Regulations implementing, 6-6977; 6-6981

Credit unions, applicable to, 6-6990

State law, effect on, 6-6901; 6-6991

Preemption determinations, 6-6949 et seq.

Board of Governors of the Federal Reserve System

Federal Reserve Regulatory Service

Subject Index