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Meeting date: July 23, 2009
  1. Regulation Z - HELOC
    Draft Federal Register notice (5.4 MB PDF)

    Key Questions to Ask About Home Equity Lines of Credit (Attachment A) (71 KB PDF)

    Summary of Findings: Design and Testing of Truth in Lending Disclosures for Home Equity Lines of Credit (1.29 MB PDF)

    Model forms and samples

    1. G-14(A) (144 KB PDF) Early Disclosure Model Form (Home-equity Plans)
    2. G-14(B) (169 KB PDF) Early Disclosure Model Form (Home-equity Plans)
    3. G-14(C) (233 KB PDF) Early Disclosure Sample (Home-equity Plans)
    4. G-14(D) (226 KB PDF) Early Disclosure Sample (Home-equity Plans)
    5. G-14(E) (209 KB PDF) Early Disclosure Sample (Home-equity Plans)
    6. G-15(A) (140 KB PDF) Account-Opening Disclosure Model Form (Home-equity Plans)
    7. G-15(B) (234 KB PDF) Account-Opening Disclosure Sample (Home-equity Plans)
    8. G-15(C) (232 KB PDF) Account-Opening Disclosure Sample (Home-equity Plans)
    9. G-15(D) (233 KB PDF) Account-Opening Disclosure Sample (Home-equity Plans)
    10. G-24(A) (133 KB PDF) Periodic Statement Transactions; Interest Charges;
      Fees Sample (Home-equity Plans)
    11. G-24(B) (187 KB PDF) Periodic Statement Transactions; Interest Charges;
      Fees Sample (Home-equity Plans)
    12. G-24(C) (156 KB PDF) Periodic Statement Sample (Home-equity Plans)
    13. G-25 (12 KB PDF) Change-in-Terms Sample (Home-equity Plans)
    14. G-26 (11 KB PDF) Rate Increase Sample (Home-equity Plans)

  2. Regulation Z - Closed-end Mortgages
    Draft Federal Register notice (8.2 MB PDF)

    Key Questions to Ask About Your Mortgage (Attachment A) (69 KB PDF)
    Fixed vs. Adjustable Rate Mortgages Early Disclosure (Attachment B) (80 KB PDF)


    3. Summary of Findings: Design and Testing of Truth in Lending Disclosures for Closed-end Mortgages (2.55 MB PDF)

    Model forms and samples

    1. H-4(B) (96 KB PDF) Adjustable-Rate Loan Program Model Form
    2. H-4(D) (92 KB PDF) Adjustable-Rate Loan Program Sample (Hybrid ARM)
    3. H-4(E) (93 KB PDF) Adjustable-Rate Loan Program Sample (Interest Only ARM)
    4. H-4(F) (93 KB PDF) Adjustable-Rate Loan Program Sample (Payment Option ARM)
    5. H-4(G) (63 KB PDF) Adjustable-Rate Adjustment Notice Model Form
    6. H-4(I) (107 KB PDF) Adjustable-Rate Adjustment Notice Sample (Interest Only ARM)
    7. H-4(J) (106 KB PDF) Adjustable-Rate Adjustment Notice Sample (Hybrid ARM)
    8. H-4(K) (54 KB PDF) Adjustable-Rate Annual Notice Model Form
    9. H-4(L) (116 KB PDF) Negative Amortization Monthly Disclosure Model Form
    10. H-19(A) (161 KB PDF) Fixed Rate Mortgage Model Form
    11. H-19(B) (150 KB PDF) Adjustable-Rate Mortgage Model Form
    12. H-19(C) (169 KB PDF) Mortgage with Negative Amortization Model Form
    13. H-19(D) (169 KB PDF) Fixed Rate Mortgage with Balloon Payment Sample
    14. H-19(E) (215 KB PDF) Fixed Rate Mortgage with Interest Only Sample
    15. H-19(F) (164 KB PDF) Step-Payment Mortgage Sample
    16. H-19(G) (218 KB PDF) Hybrid Adjustable-Rate Mortgage Sample
    17. H-19(H) (204 KB PDF) Adjustable-Rate Mortgage with Interest Only Sample
    18. H-19(I) (151 KB PDF) Adjustable-Rate Mortgage with Payment Option Sample
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Last update: September 16, 2010