Requirements ยท Financial services
Regulation Z (12 CFR Part 1026)
Truth in Lending. 2 Moraph products list it under “Requirements it supports”. The products support this requirement; meeting it remains your organization’s responsibility.
About the rule
What it is
Regulation Z (12 CFR Part 1026) implements the Truth in Lending Act. Issued by the Consumer Financial Protection Bureau, it requires creditors to disclose the terms and costs of consumer credit, such as the annual percentage rate, and sets rules for credit cards, mortgages and other consumer loans.
Source: CFPB: Regulation Z. This summary is for orientation only; read the rule itself or ask your counsel for what it requires of you.
Citations
How the products cite it
The exact wording on the product pages, with how many products use each.
- Regulation Z (12 CFR Part 1026), including TILA-RESPA integrated disclosure timing 1 product
- Truth in Lending Act and Regulation Z (12 CFR Part 1026), for consumer construction loans 1 product
For what it requires of your organization, read the rule itself or ask your counsel.
Products
The 2 products that support it
Construction Loan Draw Management
Mobile tool for inspectors to upload geo-tagged photos of sites, so lender staff approve each draw against milestones verified on site. Disbursement stays with your institution.
Lists:
- Truth in Lending Act and Regulation Z (12 CFR Part 1026), for consumer construction loans
Digital Transaction Management
Loan document signature workflows configured to support ESIGN and UETA consent and signing requirements, with audit trails. Enforceability remains a question for your counsel.
Lists:
- Regulation Z (12 CFR Part 1026), including TILA-RESPA integrated disclosure timing
Not sure which requirements apply to you? Request a gap analysis. All requirements: Requirements our products support.