Regulation Z Policy Template

Table of Contents

Purpose and Contents - Topic 1

Policy Statement - Topic 2

Definitions - Topic 3

Exempt Transactions - Topic 4

Finance Charge - Topic 5

Open End Credit - General Disclosure Requirements - Topic 6

Open End Credit - Credit and Charge Card Applications and Solicitations - Topic 7

Open End Credit - Requirements for Home Equity Plans - Topic 8

Open End Credit - Account Opening Disclosures - Topic 9

Open End Credit - Periodic Statement Requirements - Topic 10

Open End Credit - Identifying Transactions on Periodic Statements - Topic 11

Open End Credit - Subsequent Disclosure Requirements - Topic 12

Open End Credit - Prompt Crediting of Payments - Topic 13

Open End Credit - Treatment of Credit Balances and Account Termination - Topic 14

Open End Credit - Special Credit Card Provisions - Topic 15

Open End Credit - Billing Error Resolution Procedures - Topic 16

Open End Credit - Determination of Annual Percentage Rate - Topic 17

Open End Credit - Right of Rescission - Topic 18

Open End Credit - Advertising - Topic 19

Closed End Credit - General Disclosure Requirements - Topic 20

Closed End Credit - Content of Disclosures - Topic 21

Closed End Credit - Certain Residential Mortgage and Variable Rate Transactions - Topic 22

Closed End Credit - Subsequent Disclosure Requirements - Topic 23

Closed End Credit - Treatment of Credit Balances - Topic 24

Closed End Credit - Determination of Annual Percentage Rate - Topic 25

Closed End Credit - Right of Rescission - Topic 26

Closed End Credit - Advertising - Topic 27

Special Rules for Certain Home Mortgage Transactions - Topic 28

Special Rules for Private Education Loans - Topic 29

Special Rules of Credit Card Accounts and Open End Credit - College Students - Topic 30

Limitation on Rates - Topic 31

Use of Annual Percentage Rate in Verbal Disclosures - Topic 32

Effect on State Laws - Topic 33

Audit Policy - Topic 34

Staff Training - Topic 35

Retention of Documentation - Topic 36

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