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pdfBur. of Consumer Financial Protection
Pt. 1026, App. H
kpayne on VMOFRWIN702 with $$_JOB
APPENDIX H TO PART 1026—CLOSED-END
MODEL FORMS AND CLAUSES
H–1 Credit Sale Model Form (§ 1026.18)
H–2 Loan Model Form (§ 1026.18)
H–3 Amount Financed Itemization Model
Form (§ 1026.18(c))
H–4(A) Variable-Rate
Model
Clauses
(§ 1026.18(f)(1))
H–4(B) Variable-Rate
Model
Clauses
(§ 1026.18(f)(2))
H–4(C) Variable-Rate
Model
Clauses
(§ 1026.19(b))
H–4(D)(1) Adjustable-Rate Mortgage Model
Form (§ 1026.20(c))
H–4(D)(2) Adjustable-Rate Mortgage Sample
Form (§ 1026.20(c))
H–4(D)(3) Adjustable-Rate Mortgage Model
Form (§ 1026.20(d))
H–4(D)(4) Adjustable-Rate Mortgage Sample
Form (§ 1026.20(d))
H–4(E) Fixed-Rate Mortgage Interest Rate
and Payment Summary Model Clause
(§ 1026.18(s))
H–4(F) Adjustable-Rate Mortgage or StepRate Mortgage Interest Rate and Payment
Summary Model Clause (§ 1026.18(s))
H–4(G) Mortgage with Negative Amortization Interest Rate and Payment Summary
Model Clause (§ 1026.18(s))
H–4(H) Fixed-Rate Mortgage with InterestOnly Interest Rate and Payment Summary
Model Clause (§ 1026.18(s))
H–4(I) Adjustable-Rate Mortgage Introductory
Rate
Disclosure
Model
Clause
(§ 1026.18(s)(2)(iii))
H–4(J) Balloon Payment Disclosure Model
Clause (§ 1026.18(s)(5))
H–4(K) No Guarantee to Refinance Statement Model Clause (§ 1026.18(t))
H–5 Demand
Feature
Model
Clauses
(§ 1026.18(i))
H–6 Assumption
Policy
Model
Clause
(§ 1026.18(q))
H–7 Required
Deposit
Model
Clause
(§ 1026.18(r))
H–8 Rescission
Model
Form
(General)
(§ 1026.23)
H–9 Rescission Model Form (Refinancing
(with Original Creditor)) (§ 1026.23)
H–10 Credit Sale Sample
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Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–11 Installment Loan Sample
H–12 Refinancing Sample
H–13 Closed-End Transaction With Demand
Feature Sample
H–14 Variable-Rate
Mortgage
Sample
(§ 1026.19(b))
H–15 Closed-End
Graduated-Payment
Transaction Sample
H–16 Mortgage Sample
H–17(A) Debt Suspension Model Clause
H–17(B) Debt Suspension Sample
H–18 Private Education Loan Application
and Solicitation Model Form
H–19 Private Education Loan Approval
Model Form
H–20 Private Education Loan Final Model
Form
H–21 Private Education Loan Application
and Solicitation Sample
H–22 Private Education Loan Approval
Sample
H–23 Private Education Loan Final Sample
H–24(A) Mortgage Loan Transaction Loan
Estimate—Model Form
H–24(B) Mortgage Loan Transaction Loan
Estimate—Fixed Rate Loan Sample
H–24(C) Mortgage Loan Transaction Loan
Estimate—Interest Only Adjustable Rate
Loan Sample
H–24(D) Mortgage Loan Transaction Loan
Estimate—Refinance Sample
H–24(E) Mortgage Loan Transaction Loan
Estimate—Balloon Payment Sample
H–24(F) Mortgage Loan Transaction Loan
Estimate—Negative Amortization Sample
H–24(G) Mortgage Loan Transaction Loan
Estimate—Modification to Loan Estimate
for Transaction Not Involving Seller—
Model Form
H–25(A) Mortgage Loan Transaction Closing
Disclosure—Model Form
H–25(B) Mortgage Loan Transaction Closing
Disclosure—Fixed Rate Loan Sample
H–25(C) Mortgage Loan Transaction Closing
Disclosure—Borrower Funds From SecondLien Loan in Summaries of Transactions
Sample
H–25(D) Mortgage Loan Transaction Closing
Disclosure—Borrower Satisfaction of Seller’s Second-Lien Loan Outside of Closing
in Summaries of Transactions Sample
H–25(E) Mortgage Loan Transaction Closing
Disclosure—Refinance Transaction Sample
H–25(F) Mortgage Loan Transaction Closing
Disclosure—Refinance Transaction Sample
(amount in excess of § 1026.19(e)(3))
H–25(G) Mortgage Loan Transaction Closing
Disclosure—Refinance Transaction With
Cash From Consumer at Consummation
Sample
H–25(H) Mortgage Loan Transaction Closing
Disclosure—Modification to Closing Cost
Details—Model Form
H–25(I) Mortgage Loan Transaction Closing
Disclosure—Modification to Closing Dis-
closure for Disclosure Provided to Seller—
Model Form
H–25(J) Mortgage Loan Transaction Closing
Disclosure—Modification to Closing Disclosure for Transaction Not Involving Seller—Model Form
H–26 Mortgage
Loan
Transaction—PreLoan Estimate Statement—Model Form
H–27(A) Mortgage
Loan
Transaction
—Written List of Providers—Model Form
H–27(B) Mortgage Loan Transaction—Sample of Written List of Providers
H–27(C) Mortgage Loan Transaction—Sample of Written List of Providers with Services You Cannot Shop For
H–28(A) Mortgage Loan Transaction Loan
Estimate—Spanish Language Model Form
H–28(B) Mortgage Loan Transaction Loan
Estimate—Spanish Language Purchase
Sample
H–28(C) Mortgage Loan Transaction Loan
Estimate—Spanish Language Refinance
Sample
H–28(D) Mortgage Loan Transaction Loan
Estimate—Spanish Language Balloon Payment Sample
H–28(E) Mortgage Loan Transaction Loan
Estimate—Spanish
Language
Negative
Amortization Sample
H–28(F) Mortgage Loan Transaction Closing
Disclosure—Spanish Language Model Form
H–28(G) Mortgage Loan Transaction Closing
Disclosure—Spanish Language Purchase
Sample
H–28(H) Mortgage Loan Transaction Closing
Disclosure—Spanish Language Refinance
Sample
H–28(I) Mortgage Loan Transaction Loan
Estimate—Modification to Loan Estimate
for Transaction Not Involving Seller—
Spanish Language Model Form
H–28(J) Mortgage Loan Transaction Closing
Disclosure—Modification to Closing Disclosure for Transaction Not Involving Seller—Spanish Language Model Form
H–29 Escrow Cancellation Notice Model
Form (§ 1026.20(e))
H–30(A) Sample Form of Periodic Statement
(§ 1026.41)
H–30(B) Sample Form of Periodic Statement
with Delinquency Box (§ 1026.41)
H–30(C) Sample Form of Periodic Statement
for a Payment-Option Loan (§ 1026.41)
H–30(D) Sample Clause for Homeownership
Counselor Contact Information (§ 1026.41)
H–30(E) Sample Form of Periodic Statement
for Consumer in Chapter 7 or Chapter 11
Bankruptcy
H–30(F) Sample Form of Periodic Statement
for Consumer in Chapter 12 or Chapter 13
Bankruptcy
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
other ARM programs is available upon request.
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H–4(C)—VARIABLE RATE MODEL CLAUSES
This disclosure describes the features of
the adjustable-rate mortgage (ARM) program you are considering. Information on
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
How Your Interest Rate and Payment Are
Determined
• Your interest rate will be based on [an
index plus a margin] [a formula].
• Your payment will be based on the interest rate, loan balance, and loan term.
—[The interest rate will be based on (identification of index) plus our margin. Ask for
our current interest rate and margin.]
—[The interest rate will be based on (identification of formula). Ask us for our current
interest rate.]
—Information about the index [formula for
rate adjustments] is published [can be
found] lll.
—[The initial interest rate is not based on
the (index) (formula) used to make later
adjustments. Ask us for the amount of current interest rate discounts.]
How Your Interest Rate Can Change
• Your interest rate can change (frequency).
• [Your interest rate cannot increase or decrease more than ll percentage points at
each adjustment.]
• Your interest rate cannot increase [or decrease] more than ll percentage points
over the term of the loan.
How Your Payment Can Change
• Your payment can change (frequency)
based on changes in the interest rate.
• [Your payment cannot increase more
than (amount or percentage) at each adjustment.]
• [You will be notified at least 210, but no
more than 240, days before first payment at
the adjusted level is due after the initial interest rate adjustment of the loan. This notice will contain information about the adjustment, including the interest rate, payment amount, and loan balance.]
• [You will be notified at least 60, but no
more than 120, days before first payment at
the adjusted level is due after any interest
rate adjustment resulting in a corresponding
payment change. This notice will contain in-
kpayne on VMOFRWIN702 with $$_JOB
Year
1982
1983
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
............................
............................
............................
............................
............................
............................
............................
............................
............................
............................
............................
............................
............................
............................
formation about the adjustment, including
the interest rate, payment amount, and loan
balance.]
• [For example, on a $10,000 [term] loan
with an initial interest rate of ll [(the rate
shown in the interest rate column below for
the year 19 ll)] [(in effect (month) (year)],
the maximum amount that the interest rate
can rise under this program is ll percentage points, to ll%, and the monthly payment can rise from a first-year payment of
$ll to a maximum of $ll in the ll year.
To see what your payments would be, divide
your mortgage amount by $10,000; then multiply the monthly payment by that amount.
(For example, the monthly payment for a
mortgage amount of $60,000 would be: $60,000
÷ $10,000 = 6; 6 × ll = $ll per month.)]
[Example
The example below shows how your payments would have changed under this ARM
program based on actual changes in the
index from 1982 to 1996. This does not necessarily indicate how your index will change
in the future.
The example is based on the following assumptions:
Amount ....................................
Term ........................................
Change date ...........................
Payment adjustment ...............
Interest adjustment .................
[Margin] * .................................
Caps ll [periodic interest rate cap].
ll [lifetime interest rate cap.
ll [payment cap].
[Interest rate carryover].
[Negative amortization].
[Interest rate discount].**
Index(identification of index or formula).
* This is a margin we have used recently, your margin
may be different.
** This is the amount of a discount we have provided recently; your loan may be discounted by a different amount.]
Index
(%)
Margin
(percentage
points)
Interest
rate
(%)
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
..............................
Monthly
payment
($)
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$10,000.
——.
——.
(frequency).
(frequency).
——.
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Remaining
balance
($)
Bur. of Consumer Financial Protection
Pt. 1026, App. H
Year
Index
(%)
Margin
(percentage
points)
Interest
rate
(%)
Monthly
payment
($)
1996 ............................
..............................
..............................
..............................
..............................
Remaining
balance
($)
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Note: To see what your payments would have been during that period, divide your mortgage amount by $10,000; then multiply
the monthly payment by that amount. (For example, in 1996 the monthly payment for a mortgage amount of $60,000 taken out in
1982 would be: $60,000 ÷ $10,000 = 6; 6 × ll = $ll per month.)
12 CFR Ch. X (1–1–20 Edition)
242
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Pt. 1026, App. H
Pt. 1026, App. H
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12 CFR Ch. X (1–1–20 Edition)
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Pt. 1026, App. H
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–4(I)—INTRODUCTORY RATE MODEL CLAUSE
H–4(J)—BALLOON PAYMENT MODEL CLAUSE
[Final Balloon
$llll]
Payment
due
(date):
H–4(K)—‘‘NO-GUARANTEE-TO-REFINANCE’’
STATEMENT MODEL CLAUSE
There is no guarantee that you will be able
to refinance to lower your rate and payments.
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[Introductory Rate Notice
You have a discounted introductory rate of
ll % that ends after (period).
In the (period in sequence), even if market
rates do not change, this rate will increase
to ll %.]
Pt. 1026, App. H
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12 CFR Ch. X (1–1–20 Edition)
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–9—RESCISSION MODEL FORM (REFINANCING
WITH ORIGINAL CREDITOR)
If we do not take possession of the money
within 20 calendar days of your offer, you
may keep it without further obligation.
NOTICE OF RIGHT TO CANCEL
How To Cancel
Your Right To Cancel
kpayne on VMOFRWIN702 with $$_JOB
You are entering into a new transaction to
increase the amount of credit previously provided to you. Your home is the security for
this new transaction. You have a legal right
under Federal law to cancel this new transaction, without cost, within three business
days from whichever of the following events
occurs last:
(1) the date of this new transaction, which
is llllll; or
(2) the date you received your new Truth in
Lending disclosures; or
(3) the date you received this notice of
your right to cancel.
If you cancel this new transaction, it will
not affect any amount that you presently
owe. Your home is the security for that
amount. Within 20 calendar days after we receive your notice of cancellation of this new
transaction, we must take the steps necessary to reflect the fact that your home
does not secure the increase of credit. We
must also return any money you have given
to us or anyone else in connection with this
new transaction.
You may keep any money we have given
you in this new transaction until we have
done the things mentioned above, but you
must then offer to return the money at the
address below.
If you decide to cancel this new transaction, you may do so by notifying us in
writing, at
llllllllllllllllllllllll
(Creditor’s name and business address).
You may use any written statement that is
signed and dated by you and states your intention to cancel, or you may use this notice
by dating and signing below. Keep one copy
of this notice because it contains important
information about your rights.
If you cancel by mail or telegram, you
must send the notice no later than midnight
of
llllllllllllllllllllllll
(Date) llllllllllllllllllll
(or midnight of the third business day following the latest of the three events listed
above).
If you send or deliver your written notice
to cancel some other way, it must be delivered to the above address no later than that
time.
I WISH TO CANCEL
Consumer’s Signature llllllllllll
Date lllllllllllllllllllll
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12 CFR Ch. X (1–1–20 Edition)
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Pt. 1026, App. H
Pt. 1026, App. H
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12 CFR Ch. X (1–1–20 Edition)
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–13—CLOSED-END TRANSACTION WITH DEMAND FEATURE SAMPLE
H–14—Variable Rate Mortgage Sample
This disclosure describes the features of
the adjustable-rate mortgage (ARM) program you are considering. Information on
other ARM programs is available upon request.
How Your Interest Rate and Payment Are
Determined
How Your Monthly Payment Can Change
• Your interest rate will be based on an
index rate plus a margin.
• Your payment will be based on the interest rate, loan balance, and loan term.
—The interest rate will be based on the
weekly average yield on United States
Treasury securities adjusted to a constant
maturity of 1 year (your index), plus our
margin. Ask us for our current interest rate
and margin.
—Information about the index rate is published weekly in the Wall Street Journal.
• Your interest rate will equal the index
rate plus our margin unless your interest
rate ‘‘caps’’ limit the amount of change in
the interest rate.
How Your Interest Rate Can Change
• Your monthly payment can increase or
decrease substantially based on annual
changes in the interest rate.
• [For example, on a $10,000, 30-year loan
with an initial interest rate of 12.41 percent
in effect in July 1996, the maximum amount
that the interest rate can rise under this program is 5 percentage points, to 17.41 percent,
and the monthly payment can rise from a
first-year payment of $106.03 to a maximum
of $145.34 in the fourth year. To see what
your payment is, divide your mortgage
amount by $10,000; then multiply the monthly payment by that amount. (For example,
the monthly payment for a mortgage
amount of $60,000 would be: $60,000 ÷ $10,000 =
6; 6 × 106.03 = $636.18 per month.)]
• [You will be notified at least 210, but no
more than 240, days before first payment at
• Your interest rate can change yearly.
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• Your interest rate cannot increase or decrease more than 2 percentage points per
year.
• Your interest rate cannot increase or decrease more than 5 percentage points over
the term of the loan.
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
essarily indicate how your index will change
in the future. The example is based on the
following assumptions:
the adjusted level is due after the initial interest rate adjustment of the loan. This notice will contain information about the adjustment, including the interest rate, payment amount, and loan balance.]
• [You will be notified at least 60, but no
more than 120, days before first payment at
the adjusted level is due after any interest
rate adjustment resulting in a corresponding
payment change. This notice will contain information about the adjustment, including
the interest rate, payment amount, and loan
balance.]
Amount ....................................
Term ........................................
Payment adjustment ...............
Interest adjustment .................
Margin .....................................
Caps 2 percentage points annual interest
rate.
5 percentage points lifetime interest rate.
Index Weekly average yield on U.S. Treasury
securities adjusted to a constant maturity
of one year.
[Example
The example below shows how your payments would have changed under this ARM
program based on actual changes in the
index from 1982 to 1996. This does not necYear
(as of 1st week ending in July)
1982
1983
1984
1985
1986
1987
1988
1989
1990
1991
1992
1993
1994
1995
1996
Margin *
(percentage
points)
Index
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
..........................................................
$10,000.
30 years.
1 year.
1 year.
3 percentage
points.
14.41
9.78
12.17
7.66
6.36
6.71
7.52
7.97
8.06
6.40
3.96
3.42
5.47
5.53
5.82
Interest
rate
(%)
3
3
3
3
3
3
3
3
3
3
3
3
3
3
3
17.41
* * 15.41
15.17
** 13.17
*** 12.41
*** 12.41
*** 12.41
*** 12.41
*** 12.41
*** 12.41
*** 12.41
*** 12.41
*** 12.41
*** 12.41
*** 12.41
Monthly
payment
($)
145.90
129.81
127.91
112.43
106.73
106.73
106.73
106.73
106.73
106.73
106.73
106.73
106.73
106.73
106.73
Remaining
balance
($)
9,989.37
9,969.66
9,945.51
9,903.70
9,848.94
9,786.98
9,716.88
9,637.56
9,547.83
9,446.29
9,331.56
9,201.61
9,054.72
8,888.52
8,700.37
* This is a margin we have used recently; your margin may be different.
** This interest rate reflects a 2 percentage point annual interest rate cap.
*** This interest rate reflects a 5 percentage point lifetime interest rate cap.
Note: To see what your payments would have been during that period, divide your mortgage amount by $10,000; then multiply
the monthly payment by that amount. (For example, in 1996 the monthly payment for a mortgage amount of $60,000 taken out in
1982 would be: $60,000 ÷ $10,000 = 6; 6 × $106.73 = $640.38.)]
kpayne on VMOFRWIN702 with $$_JOB
• [You will be notified at least 210, but no
more than 240, days before first payment at
the adjusted level is due after the initial interest rate adjustment of the loan. This notice will contain information about the adjustment, including the interest rate, payment amount, and loan balance.]
• [You will be notified at least 60, but no
more than 120, days before first payment at
the adjusted level is due after any interest
rate adjustment resulting in a corresponding
payment change. This notice will contain information about the adjustment, including
the interest rate, payment amount, and loan
balance.]
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CLOSED-END GRADUATED PAYMENT TRANSACTION SAMPLE
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H–15
Pt. 1026, App. H
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
X
H–17(A) DEBT SUSPENSION MODEL CLAUSE
llllllllllllllllllllll
H–17(B) DEBT SUSPENSION SAMPLE
Please enroll me in the optional [name of
program], and bill my account the fee of
$200.00. I understand that enrollment is not
required to obtain credit. I also understand
that depending on the event, the protection
may only temporarily suspend my duty to
make minimum payments, not reduce the
balance I owe. I understand that my balance
will actually grow during the suspension period as interest continues to accumulate.
To Enroll, Initial Here.
X
llllllllllllllllllllll
256
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Please enroll me in the optional [insert
name of program], and bill my account the
fee of [insert charge for the initial term of
coverage]. I understand that enrollment is
not required to obtain credit. I also understand that depending on the event, the protection may only temporarily suspend my
duty to make minimum payments, not reduce the balance I owe. I understand that my
balance will actually grow during the suspension period as interest continues to accumulate.
[To Enroll, Sign Here]/[To Enroll, Initial
Here].
Pt. 1026, App. H
257
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
258
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Pt. 1026, App. H
Pt. 1026, App. H
259
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
260
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Pt. 1026, App. H
Pt. 1026, App. H
261
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
262
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Pt. 1026, App. H
Pt. 1026, App. H
263
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
264
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Pt. 1026, App. H
Pt. 1026, App. H
265
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
266
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Pt. 1026, App. H
Pt. 1026, App. H
267
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–24(A) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—MODEL FORM
268
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ER22DE11.061
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Description: This is a blank model Loan Estimate that illustrates the application of the
content requirements in § 1026.37. This form
provides two variations of page one, four
variations of page two, and four variations of
page three, reflecting the variable content
requirements in § 1026.37.
Pt. 1026, App. H
269
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
270
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Pt. 1026, App. H
Pt. 1026, App. H
271
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
272
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Pt. 1026, App. H
Pt. 1026, App. H
273
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
274
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Pt. 1026, App. H
Pt. 1026, App. H
275
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
276
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Pt. 1026, App. H
Pt. 1026, App. H
277
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ER31DE13.014
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
Description: This is a sample of a completed
Loan Estimate for a fixed rate loan. This
loan is for the purchase of property at a sale
price of $180,000 and has a loan amount of
$162,000, a 30-year loan term, a fixed interest
rate of 3.875 percent, and a prepayment penalty equal to 2.00 percent of the outstanding
principal balance of the loan for the first two
years after consummation of the transaction. The consumer has elected to lock the
interest rate. The creditor requires an escrow account and that the consumer pay for
private mortgage insurance.
278
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ER31DE13.015
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H–24(B) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—FIXED RATE LOAN SAMPLE
Pt. 1026, App. H
279
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ER31DE13.016
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
280
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PC31
ER31DE13.017
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
Description: This is a sample of a completed
Loan Estimate for an adjustable rate loan
with interest only payments. This loan is for
the purchase of property at a sale price of
$240,000 and has a loan amount of $211,000 and
a 30-year loan term. For the first five years
of the loan term, the scheduled payments
cover only interest and the loan has an introductory interest rate that is fixed at 4.00
percent. After five years, the payments include principal and the interest rate adjusts
every three years based on the value of the
Monthly Treasury Average index plus a margin of 4.00 percent. The consumer has elected
to lock the interest rate. The creditor does
not require an escrow account with the loan.
281
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H–24(C) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—INTEREST ONLY ADJUSTABLE
RATE LOAN SAMPLE
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
282
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The creditor requires that the consumer pay
for private mortgage insurance.
Pt. 1026, App. H
283
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
Description: This is a sample of a completed
Loan Estimate for a transaction that is for a
refinance of an existing mortgage loan that
secures the property, for which the consumer
is estimated to receive funds from the transaction. The estimated property value is
$180,000, the loan amount is $150,000, the esti-
mated outstanding balance of the existing
mortgage loan is $120,000, and the interest
rate is 4.25 percent. The consumer has elected to lock the interest rate. The creditor requires an escrow account and that the consumer pay for private mortgage insurance.
284
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H–24(D) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—REFINANCE SAMPLE
Pt. 1026, App. H
285
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
286
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–24(E) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—BALLOON PAYMENT SAMPLE
a transaction with a loan term of seven
years that includes a final balloon payment.
287
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Description: This is a sample of the information required by § 1026.37(a) through (c) for
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–24(F) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—NEGATIVE AMORTIZATION SAMPLE
288
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ER31DE13.025
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Description: This is a sample of the information required by § 1026.37(a) and (b) for a
transaction with negative amortization.
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–24(G) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—MODIFICATION TO LOAN ESTIMATE FOR TRANSACTION NOT INVOLVING
SELLER—MODEL FORM
289
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ER31DE13.026
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Description: This is a blank model Loan Estimate that illustrates the application of the
content requirements in § 1026.37, with the
optional alternative tables permitted by
§ 1026.37(d)(2) and (h)(2) for transactions without a seller. This form provides one variation
of page one, four variations of page two, and
four variations of page three, reflecting the
variable content requirements in § 1026.37.
12 CFR Ch. X (1–1–20 Edition)
290
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Pt. 1026, App. H
Pt. 1026, App. H
291
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
292
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Pt. 1026, App. H
Pt. 1026, App. H
293
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
294
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Pt. 1026, App. H
Pt. 1026, App. H
295
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
296
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Pt. 1026, App. H
Pt. 1026, App. H
297
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–25(A) MORTGAGE LOAN TRANSACTION
CLOSING DISCLOSURE—MODEL FORM
298
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ER31DE13.035
kpayne on VMOFRWIN702 with $$_JOB
Description: This is a blank model Closing
Disclosure that illustrates the content requirements in § 1026.38. This form provides
three variations of page one, one page two,
one page three, four variations of page four,
and four variations of page five, reflecting
the variable content requirements in
§ 1026.38. This form does not reflect modifications permitted under § 1026.38(t).
Pt. 1026, App. H
299
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
300
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Pt. 1026, App. H
Pt. 1026, App. H
301
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
302
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Pt. 1026, App. H
Pt. 1026, App. H
303
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
304
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Pt. 1026, App. H
Pt. 1026, App. H
305
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PC31
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
306
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Pt. 1026, App. H
Pt. 1026, App. H
307
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PC31
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
308
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PC31
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Pt. 1026, App. H
Pt. 1026, App. H
309
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PC31
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
310
VerDate Sep<11>2014
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PC31
ER31DE13.048
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–25(B) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—FIXED RATE LOAN SAMPLE
311
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PC31
ER31DE13.049
kpayne on VMOFRWIN702 with $$_JOB
Description: This is a sample of a completed
Closing Disclosure for the fixed rate loan illustrated by form H–24(B). The purpose,
product, sale price, loan amount, loan term,
and interest rate have not changed from the
estimates provided on the Loan Estimate.
The creditor requires an escrow account and
that the consumer pay for private mortgage
insurance for the transaction.
12 CFR Ch. X (1–1–20 Edition)
312
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Pt. 1026, App. H
Pt. 1026, App. H
313
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PC31
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
314
VerDate Sep<11>2014
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PC31
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Pt. 1026, App. H
Pt. 1026, App. H
315
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PC31
ER31DE13.053
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–25(C) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—BORROWER FUNDS FROM
SECOND-LIEN LOAN IN SUMMARIES OF
TRANSACTIONS SAMPLE
316
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ER31DE13.054
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Description: This is a sample of the information required on the Closing Disclosure by
§ 1026.38(j) for disclosure of consumer funds
from a simultaneous second-lien credit
transaction not otherwise disclosed pursuant
to § 1026.38(j)(2)(iii) or (iv) that is used to finance part of the purchase price of the property subject to the transaction.
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–25(D) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—BORROWER SATISFACTION
OF SELLER’S SECOND-LIEN LOAN OUTSIDE OF
CLOSING IN SUMMARIES OF TRANSACTIONS
SAMPLE
§ 1026.38(j) and (k) for the satisfaction of a
junior-lien transaction by the consumer,
which was not paid from closing funds.
317
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PC31
ER31DE13.055
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Description: This is a sample of the information required on the Closing Disclosure by
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–25(E) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—REFINANCE TRANSACTION
SAMPLE
318
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PC31
ER31DE13.056
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Description: This is a sample of a completed
Closing Disclosure for the refinance transaction illustrated by form H–24(D). The purpose, loan amount, loan term, and interest
rate have not changed from the estimates
provided on the Loan Estimate. The outstanding balance of the existing mortgage
loan securing the property was less than estimated on the Loan Estimate. The creditor
requires an escrow account and that the consumer pay for private mortgage insurance
for the transaction.
Pt. 1026, App. H
319
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ER31DE13.057
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
320
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PC31
ER31DE13.058
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Pt. 1026, App. H
Pt. 1026, App. H
321
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PC31
ER31DE13.059
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
322
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PC31
ER31DE13.060
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–25(F) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—REFINANCE TRANSACTION
SAMPLE
(AMOUNT
IN
EXCESS
OF
§ 1026.19(E)(3))
323
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PC31
ER31DE13.061
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Description: This is a sample of the completed disclosures required by § 1026.38(e) and
(h) for a completed Closing Disclosure for
the refinance transaction illustrated by form
H–24(D). The Closing Costs have increased in
excess of the good faith requirements of
§ 1026.19(e)(3) by $200, for which the creditor
has provided a refund under § 1026.19(f)(2)(v).
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–25(G) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—REFINANCE TRANSACTION
WITH CASH FROM CONSUMER AT CONSUMMATION
action in which the consumer must pay additional funds to satisfy the existing mortgage
loan securing the property and other existing debt to consummate the transaction.
324
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ER31DE13.062
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Description: This is a sample of a completed
Closing Disclosure for a refinance trans-
Pt. 1026, App. H
325
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PC31
ER31DE13.063
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
326
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PC31
ER31DE13.064
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Pt. 1026, App. H
Pt. 1026, App. H
327
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PC31
ER31DE13.065
kpayne on VMOFRWIN702 with $$_JOB
Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
328
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PC31
ER31DE13.066
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–25(H) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—MODIFICATION TO CLOSING
COST DETAILS—MODEL FORM
329
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PC31
ER31DE13.067
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Description: This is a blank model form of
the modification to Closing Cost Details permitted by § 1026.38(t)(5)(iv)(B).
12 CFR Ch. X (1–1–20 Edition)
330
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PC31
ER31DE13.068
kpayne on VMOFRWIN702 with $$_JOB
Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
Description: This is a blank model form of
the
modification
permitted
by
§ 1026.38(t)(5)(vi).
331
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PC31
ER31DE13.069
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H–25(I) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—MODIFICATION TO CLOSING
DISCLOSURE FOR DISCLOSURE PROVIDED TO
SELLER—MODEL FORM
12 CFR Ch. X (1–1–20 Edition)
332
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PC31
ER31DE13.070
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–25(J) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—MODIFICATION TO CLOSING
DISCLOSURE FOR TRANSACTION NOT INVOLVING SELLER—MODEL FORM
permitted by § 1026.38(d)(2), (e), and (t)(5)(vii)
for transactions without a seller.
333
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PC31
ER31DE13.071
kpayne on VMOFRWIN702 with $$_JOB
Description: This is a blank model form of
the alternative disclosures and modifications
12 CFR Ch. X (1–1–20 Edition)
334
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PC31
ER31DE13.072
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Pt. 1026, App. H
Pt. 1026, App. H
335
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PC31
ER31DE13.073
kpayne on VMOFRWIN702 with $$_JOB
Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
336
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PC31
ER31DE13.074
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Pt. 1026, App. H
Pt. 1026, App. H
337
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PC31
ER31DE13.075
kpayne on VMOFRWIN702 with $$_JOB
Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
338
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PC31
ER31DE13.076
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Pt. 1026, App. H
Pt. 1026, App. H
339
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PC31
ER31DE13.077
kpayne on VMOFRWIN702 with $$_JOB
Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
340
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PC31
ER31DE13.078
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Pt. 1026, App. H
Pt. 1026, App. H
341
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PC31
ER31DE13.079
kpayne on VMOFRWIN702 with $$_JOB
Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
342
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PC31
ER31DE13.080
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Pt. 1026, App. H
Pt. 1026, App. H
343
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PC31
ER31DE13.081
kpayne on VMOFRWIN702 with $$_JOB
Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
344
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PC31
ER31DE13.082
kpayne on VMOFRWIN702 with $$_JOB
Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–26 MORTGAGE LOAN TRANSACTION—PRELOAN ESTIMATE STATEMENT—MODEL FORM
345
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PC31
ER31DE13.083
kpayne on VMOFRWIN702 with $$_JOB
Description: This is a model of the statement required by § 1026.19(e)(2)(ii) to be stat-
ed at the top of the front of the first page of
a written estimate of terms or costs specific
to a consumer that is provided to a consumer
before the consumer receives the disclosures
required under § 1026.19(e)(1)(i).
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–27(A) MORTGAGE LOAN TRANSACTION—
WRITTEN LIST OF PROVIDERS—MODEL FORM
346
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PC31
ER31DE13.084
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Description: This is a blank model form for
the written list of settlement service pro-
viders required by § 1026.19(e)(1)(vi) and the
statement required by § 1026.19(e)(1)(vi)(C)
that the consumer may select a settlement
service provider that is not on the list.
Bur. of Consumer Financial Protection
Pt. 1026, App. H
sample Loan Estimate illustrated by form H–
24(B).
H–27(B) MORTGAGE LOAN TRANSACTION—
SAMPLE OF WRITTEN LIST OF PROVIDERS
347
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PC31
ER31DE13.085
kpayne on VMOFRWIN702 with $$_JOB
Description: This is a sample of the Written
List of Providers for the transaction in the
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–27(C) MORTGAGE LOAN TRANSACTION—SAMPLE OF WRITTEN LIST OF PROVIDERS WITH
SERVICES YOU CANNOT SHOP FOR
providers selected by the creditor for the
charges disclosed pursuant to § 1026.37(f)(2).
348
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PC31
ER31DE13.086
kpayne on VMOFRWIN702 with $$_JOB
Description: This is a sample of the Written
List of Providers with information about the
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–28(A) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—SPANISH LANGUAGE MODEL FORM
translated into the Spanish language as permitted by § 1026.37(o)(5)(ii). This form provides two variations of page one, four variations of page two, and four variations of
page three, reflecting the variable content
requirements in § 1026.37.
349
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PC31
ER31DE13.087
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Description: This is a blank model Loan Estimate that illustrates the application of the
content requirements in § 1026.37, and is
12 CFR Ch. X (1–1–20 Edition)
350
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PC31
ER31DE13.088
kpayne on VMOFRWIN702 with $$_JOB
Pt. 1026, App. H
Pt. 1026, App. H
351
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PC31
ER31DE13.089
kpayne on VMOFRWIN702 with $$_JOB
Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
352
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PC31
ER31DE13.090
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Pt. 1026, App. H
Pt. 1026, App. H
353
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PC31
ER31DE13.091
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
354
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PC31
ER31DE13.092
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Pt. 1026, App. H
Pt. 1026, App. H
355
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PC31
ER31DE13.093
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
356
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PC31
ER31DE13.094
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Pt. 1026, App. H
Pt. 1026, App. H
357
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PC31
ER31DE13.095
kpayne on VMOFRWIN702 with $$_JOB
Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
358
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PC31
ER31DE13.096
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–28(B) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—SPANISH LANGUAGE PURCHASE
SAMPLE
Year Interest Only, 5/3 Adjustable Rate loan,
translated into the Spanish language as permitted by § 1026.37(o)(5)(ii).
359
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PC31
ER31DE13.097
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Description: This is a sample of the Loan
Estimate illustrated by form H–24(C) for a 5
12 CFR Ch. X (1–1–20 Edition)
360
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PC31
ER31DE13.098
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Pt. 1026, App. H
Pt. 1026, App. H
361
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PC31
ER31DE13.099
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–28(C) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—SPANISH LANGUAGE REFINANCE
SAMPLE
362
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PC31
ER31DE13.100
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Description: This is a sample of the Loan
Estimate illustrated by form H–24(D) for a
refinance transaction in which the consumer
is estimated to receive funds from the transaction, translated into the Spanish language
as permitted by § 1026.37(o)(5)(ii).
Pt. 1026, App. H
363
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PC31
ER31DE13.101
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
364
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PC31
ER31DE13.102
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–28(D) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—SPANISH LANGUAGE BALLOON
PAYMENT SAMPLE
365
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PC31
ER31DE13.103
kpayne on VMOFRWIN702 with $$_JOB
Description: This is a sample of the information required by § 1026.37(a) through (c) for
a transaction with a loan term of seven
years that includes a final balloon payment
illustrated by form H–24(E), translated into
the Spanish language as permitted by
§ 1026.37(o)(5)(ii).
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–28(E) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—SPANISH LANGUAGE NEGATIVE
AMORTIZATION SAMPLE
366
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PC31
ER31DE13.104
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Description: This is a sample of the information required by § 1026.37(a) and (b) for a
transaction with negative amortization illustrated by form H–24(F), translated into
the Spanish language as permitted by
§ 1026.37(o)(5)(ii).
Bur. of Consumer Financial Protection
Pt. 1026, App. H
H–28(F) MORTGAGE LOAN TRANSACTION CLOSING
DISCLOSURE—SPANISH
LANGUAGE
MODEL FORM
367
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PC31
ER31DE13.105
kpayne on VMOFRWIN702 with $$_JOB
Description: This is a blank model Closing
Disclosure that illustrates the content requirements in § 1026.38, and is translated into
the Spanish language as permitted by
§ 1026.38(t)(5)(viii). This form provides three
variations of page one, one page two, one
page three, four variations of page four, four
variations of page five, and two variations of
page six reflecting the variable content requirements in § 1026.38. This form does not
reflect any other modifications permitted
under § 1026.38(t).
12 CFR Ch. X (1–1–20 Edition)
368
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PC31
ER31DE13.106
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Pt. 1026, App. H
Pt. 1026, App. H
369
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12 CFR Ch. X (1–1–20 Edition)
370
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12 CFR Ch. X (1–1–20 Edition)
372
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12 CFR Ch. X (1–1–20 Edition)
374
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12 CFR Ch. X (1–1–20 Edition)
376
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378
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12 CFR Ch. X (1–1–20 Edition)
380
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–28(G) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—SPANISH LANGUAGE PURCHASE SAMPLE
lated into the Spanish language as permitted
by § 1026.38(t)(5)(viii).
382
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Description: This is a sample of the Closing
Disclosure illustrated by form H–25(B) trans-
Pt. 1026, App. H
383
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12 CFR Ch. X (1–1–20 Edition)
384
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12 CFR Ch. X (1–1–20 Edition)
386
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ER31DE13.125
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–28(H) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—SPANISH LANGUAGE REFINANCE SAMPLE
lated into the Spanish language as permitted
by § 1026.38(t)(5)(viii).
388
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ER31DE13.126
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Description: This is a sample of the Closing
Disclosure illustrated by form H–25(E) trans-
Pt. 1026, App. H
389
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12 CFR Ch. X (1–1–20 Edition)
390
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391
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12 CFR Ch. X (1–1–20 Edition)
392
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Pt. 1026, App. H
Pt. 1026, App. H
393
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ER31DE13.131
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Bur. of Consumer Financial Protection
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–28(I) MORTGAGE LOAN TRANSACTION LOAN
ESTIMATE—MODIFICATION TO LOAN ESTIMATE FOR TRANSACTION NOT INVOLVING
SELLER—SPANISH LANGUAGE MODEL FORM
394
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Description: This is a blank model Loan Estimate that illustrates form H–24(G), with
the optional alternative disclosures permitted by § 1026.37(d)(2) and (h)(2) for transactions without a seller, translated into the
Spanish
language
as
permitted
by
§ 1026.37(o)(5)(ii).
Pt. 1026, App. H
395
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12 CFR Ch. X (1–1–20 Edition)
396
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397
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12 CFR Ch. X (1–1–20 Edition)
398
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12 CFR Ch. X (1–1–20 Edition)
400
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12 CFR Ch. X (1–1–20 Edition)
402
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
Pt. 1026, App. H
with the alternative disclosures under
§ 1026.38(d)(2), (e), and (t)(5)(vii) for transactions without a seller, translated into the
Spanish
language
as
permitted
by
§ 1026.38(t)(5)(viii).
Description: This is a blank model Closing
Disclosure that illustrates form H–25(J),
403
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H–28(J) MORTGAGE LOAN TRANSACTION CLOSING DISCLOSURE—MODIFICATION TO CLOSING
DISCLOSURE FOR TRANSACTION NOT INVOLVING SELLER—SPANISH LANGUAGE MODEL
FORM
12 CFR Ch. X (1–1–20 Edition)
404
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12 CFR Ch. X (1–1–20 Edition)
406
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12 CFR Ch. X (1–1–20 Edition)
408
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12 CFR Ch. X (1–1–20 Edition)
410
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411
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12 CFR Ch. X (1–1–20 Edition)
412
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12 CFR Ch. X (1–1–20 Edition)
414
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415
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12 CFR Ch. X (1–1–20 Edition)
416
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Pt. 1026, App. H
Bur. of Consumer Financial Protection
H–29
Pt. 1026, App. H
ESCROW CANCELLATION NOTICE MODEL
FORM (§ 1026.20(E))
417
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Description: This is a blank model form of
the disclosures required by § 1026.20(e).
12 CFR Ch. X (1–1–20 Edition)
418
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Pt. 1026, App. H
Pt. 1026, App. H
419
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Bur. of Consumer Financial Protection
12 CFR Ch. X (1–1–20 Edition)
420
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Pt. 1026, App. H
421
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H–30(C) SAMPLE FORM OF PERIODIC STATEMENT FOR A PAYMENT-OPTION LOAN
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
H–30(D) SAMPLE CLAUSE FOR HOMEOWNERSHIP
COUNSELOR CONTACT INFORMATION
kpayne on VMOFRWIN702 with $$_JOB
Housing Counselor Information: If you would
like counseling or assistance, you can contact the following:
• U.S. Department of Housing and Urban
Development (HUD): For a list of homeownership counselors or counseling organizations in your area, go to http://www.hud.gov/
offices /hsg/sfh/hcc/hcs.cfm or call 800–569–4287.
422
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Pt. 1026, App. H
423
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ER19OC16.001
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H–30(E) SAMPLE FORM OF PERIODIC STATEMENT FOR CONSUMER IN CHAPTER 7 OR CHAPTER 11
BANKRUPTCY
Pt. 1026, App. H
12 CFR Ch. X (1–1–20 Edition)
424
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H–30(F) SAMPLE FORM OF PERIODIC STATEMENT FOR CONSUMER IN CHAPTER 12 OR CHAPTER 13
BANKRUPTCY
Bur. of Consumer Financial Protection
Pt. 1026, App. J
kpayne on VMOFRWIN702 with $$_JOB
[76 FR 79772, Dec. 22, 2011, as amended at 78
FR 11008, Feb. 14, 2013; 78 FR 80130, Dec. 31,
2013; 80 FR 8776, Feb. 19, 2015; 81 FR 72390,
Oct. 19, 2016]
425
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| File Type | application/pdf |
| File Title | CFR-2020-title12-vol9-part1026-appH.pdf |
| Author | DWOLFGANG |
| File Modified | 2021-02-04 |
| File Created | 2021-02-04 |