OMB.report

Federal forms, ICRs, and supporting documents

OMB control number

Regulation Z (Truth In Lending)

OMB 3084-0088 · FTC.

OMB 3084-0088

The Federal Trade Commission (FTC) seeks renewed clearance for the information collection requirements associated with the enforcement of the Consumer Financial Protection Bureau's (CFPB) Regulation Z. The Regulation requires accurate disclosure of the costs and terms of credit to consumers, including both open-end and closed-end credit. It also imposes advertising disclosure requirements and establishes billing error resolution procedures. It requires creditors to keep records sufficient to show compliance. Given their generally shared enforcement jurisdiction for Regulation Z under the Dodd-Frank Act, the CFPB and the FTC have divided the FTC’s previously cleared PRA burden between them, except that the FTC has wholly assumed all of the burden estimates associated with motor vehicle dealers and is also doing so, when appropriate, regarding estimated burden for state-chartered credit unions.

The latest form for Regulation Z (Truth In Lending) expires 2028-01-31 and is listed under ICR 202411-3084-005.

Latest Forms, Documents, and Supporting Material

Latest forms, documents, and information collections
DocumentType
Benjamin Turner - Public Comment for Regulations BEMZ.docxPublic Comments
Regulation Z - SS - 2024 - FINAL.pdfSupporting Statement A
Regulation Z - SS - 2024 - FINAL.pdfSupporting Statement A
Recordkeeping Information collection
Transactions for posting and reporting of prepaid account agreements Information collection
Credit & charge card accts (transaction-related) - prepaid accounts Information collection
Error resolution transactions -- prepaid accounts followup Information collection
Periodic statements transaction-related -- prepaid accounts Information collection
Subsequent disclosures transactions -- prepaid accounts Information collection
Initial terms (open-end) transactions - prepaid accounts Information collection
Advertising (open-end credit) -- prepaid accounts updates Information collection
Advertising (open-end credit) - prepaid accounts Information collection
Setup for posting and reporting of prepaid account agreements Information collection
Credit and charge card accounts -- prepaid accounts Information collection
Setup for error resolution - prepaid accounts followup Information collection
Setup for periodic statements - prepaid accounts Information collection
Setup for subsequent disclosures - prepaid accounts Information collection
Setup for initial terms - prepaid accounts Information collection
Loan originator transactions (closed-end credit) Information collection
Mortgage servicing transactions (closed-end credit) Information collection
Setup for loan originator compensation requirements (closed-end) Information collection
Setup for mortgage servicing regarding prompt crediting & payoff responses (closed-end credit) Information collection
Setup for credit card issuers re consumer ability to pay Information collection
Transactions for closed-end credit higher priced mortgages Information collection
Transactions for for closed-end credit high cost mortgages Information collection
Integrated mortgage disclosures transactions Information collection
Loan originator transactions (open-end credit) Information collection
Mortgage servicing transactions (open-end credit) Information collection
Transactions for home equity LOCs high cost mtgs (open-end credit) Information collection
Setup for closed-end credit higher priced mortgages Information collection
Setup for closed-end credit high cost mortgages Information collection
Setup for integrated mortgage disclosures Information collection
Setup for loan originator compensation requirements (open-end credit) Information collection
Setup for mortgage servicing regarding prompt crediting & payoff responses (open-end credit) Information collection
Setup for home equity lines of credit -- high-cost mortgages (open-end credit) Information collection
Incremental recordkeeping for loan originators Information collection
Incremental recordkeeping for credit card issuers re consumer ability to pay Information collection
Appraiser misconduct reporting: transaction-related (closed-end credit) Information collection
Closed-end credit: Sale, trsfr, or assignment of mtgs (transaction-related) Information collection
Private education loans: transaction-related Information collection
Redisclosures: transaction-related Information collection
Appraiser misconduct rptg: transaction-related (open-end credit) Information collection
Open-end credit: Sale, trsfr, or assignment of mtgs (transaction-related) Information collection
Posting & rptg of credit card agreements: transaction-related Information collection
College student credit card mktg -- card issuer rpts: transaction-related Information collection
College student credit card mktg -- ed. institutions_transaction-related Information collection
Special credit card requirements transaction-related Information collection
Settlement of estate debts transaction-related Information collection
Setup for appraiser misconduct reporting (closed-end credit) Information collection
Closed-end credit: Setup for sale, transfer, or assignment of mtgs Information collection
Setup for private education loans Information collection
Setup for redisclosures Information collection
Setup for appraiser misconduct reporting (open-end credit) Information collection
Open-end credit: Setup for sale, transfer, or assignment of mtgs Information collection
Setup for posting and reporting of credit card agreements Information collection
Setup for college student credit card mktg -- card issuer reports Information collection
Setup for college student credit card mktg -- ed. institutions Information collection
Setup for special credit card requirements Information collection
Setup for settlement of estate debts Information collection
Advertising transaction-related (closed-end credit) Information collection
Reverse mortgages transactions Information collection
Variable rate mortgages transactions Information collection
Rescission notices transactions (closed-end credit) Information collection
Credit disclosures transactions Information collection
Advertising transaction-related (open-end credit) Information collection
Home equity lines of credit transactions (open-end credit) Information collection
Credit & charge card accts transaction-related Information collection
Error resolution transactions Information collection
Periodic statements transaction-related Information collection
Subsequent disclosures transactions Information collection
Rescission notices transactions (open-end credit) Information collection
Initial terms transactions Information collection
Setup for advertising disclosures (closed-end credit) Information collection
Setup for reverse mortgages disclosures Information collection
Setup for variable rate mortgages disclosures Information collection
Setup for rescission notices (closed-end credit) Information collection
Setup for credit disclosures Information collection
Setup for advertising disclosures (open-end credit) Information collection
Setup for open-end credit home equity lines of credit disclosures Information collection
Setup for credit and charge card accounts disclosures Information collection
Setup for error resolution disclosures Information collection
Setup for periodic statements disclosures Information collection
Setup for subsequent disclosures Information collection
Setup for rescission notices disclosures (open-end credit) Information collection
Setup for initial terms disclosures Information collection

All Historical Document Collections

Historical document collections
ReferenceFilingReceivedConcludedAction
202411-3084-005 Extension without change of a currently approved collection 2024-11-22
202106-3084-004 Extension without change of a currently approved collection 2021-09-15 Approved without change
201803-3084-004 Extension without change of a currently approved collection 2018-07-26 Approved without change
201504-3084-005 Extension without change of a currently approved collection 2015-06-16 Approved without change
201201-3084-002 Revision of a currently approved collection 2012-04-27 Approved without change
200903-3084-005 Revision of a currently approved collection 2009-03-11 Approved without change
200601-3084-001 Extension without change of a currently approved collection 2006-01-13 Approved without change
200211-3084-006 Extension without change of a currently approved collection 2002-11-22 Approved without change
199912-3084-010 Extension without change of a currently approved collection 1999-12-17 Approved without change
199611-3084-010 Extension without change of a currently approved collection 1996-11-01 Approved without change
199508-3084-008 Revision of a currently approved collection 1995-08-25 Approved without change
199312-3084-006 Reinstatement with change of a previously approved collection 1993-12-10 Approved without change
198904-3084-007 No material or nonsubstantive change to a currently approved collection 1989-04-11 Approved with change
198904-3084-006 No material or nonsubstantive change to a currently approved collection 1989-04-10 Approved with change
198710-3084-001 New collection (Request for a new OMB Control Number) 1987-10-01 Approved without change

OMB Details

Recordkeeping

Federal Enterprise Architecture: Economic Development - Business and Industry Development