OMB.report

Federal forms, ICRs, and supporting documents

Information Collection Request

Recordkeeping, Disclosure and Reporting Requirements in Connection with Regulation Z (Truth in Lending)

ICR 201709-3064-008 · OMB 3064-0082 · Active

Forms and Documents
DocumentTypeStatusAvailability
FDIC SPST-0082 Reg Z 2018 Renewal FINAL.doc Supporting Statement A Uploaded 2018-02-21 Available
FR2-0082 Regulation Z 83 FR 7179 February 20 2018.pdf Supplementary Document Uploaded 2018-02-20 Available
FR1-0082 Regulation Z 82 FR 57751 Dec 7 2017.pdf Supplementary Document Uploaded 2018-02-13 Repair queued
IC Document Collections
IC IDCollectionTypeStatusForm
31827 Recordkeeping and Disclosure Requirements in Connection with Regulation Z (Truth in Lending) Removed
229367 Evidence of Compliance - Record Retention New
229366 Advertising Rules Closed-End Credit New
229365 Advertising Rules Open-End Credit New
229364 Final Disclosures (Private Education Loans) New
229363 Approval Disclosures (Private Education Loans) New
229362 Application and Solicitation Disclosures (Private Education Loans) New
229361 HOEPA Disclosures and Notice New
229360 Reverse Mortgage Disclosures New
229353 Reporting Appraiser Noncompliance (All Mortgage Products) New
229352 Notice of Sale or Transfer (All Mortgage Products) New
229351 Payoff Statements (All Mortgage Products) New
229350 Prepayment Penalties (Closed-End Mortgages) New
229348 Ability to Pay Requirements (Closed-End Mortgages) New
229347 Periodic Statements (Closed-End Mortgages) New
229346 Escrow Cancellation Notice (Closed-End Mortgages) New
229345 Initial Rate Adjustment Disclosure for ARM's (Closed-End Mortgages) New
229344 ARM's Rate Adjustments with Payment Change Disclosures (Closed-End Mortgages) New
229343 No Guaranty to Refinance Statement (Closed-End Mortgages) New
229342 Post-Consummation Interest Rate and Payment Summary (Closed-End Mortgages) New
229341 Record Retention of Disclosures (Closed-End Mortgages) New
229340 Application and Consummation Closing Disclosure (Closed-End Mortgages) New
229339 Application and Consummation Loan Estimate (Closed-End Mortgages) New
229338 General Disclosures (Closed-End Credit) New
229337 Error Resolution (Open-End Credit) New
229336 Notice to Restrict Credit (HELOC's) New
229335 Change in Terms Disclosures (HELOC's) New
229334 Alternative Summary Statement of Billing Rights (HELOC's) New
229333 Annual Statement of Billing Rights (HELOC's) New
229332 Periodic Statements (HELOC's) New
229331 Account Opening Disclosures (HELOC's) New
229329 Application Disclosures (HELOC's) New
229328 Individual Credit Card Agreements (Credit and Charge Cards) New
229327 Internet Posting of Credit Card Agreements (Credit and Charge Cards) New
229326 Submission of Credit Card Agreements (Credit and Charge Cards) New
229325 College Student Credit Annual Report (Credit and Charge Cards) New
229324 Ability to Pay Determination (Credit and Charge Cards) New
229323 Timely Settlement of Estate Debts (Credit and Charge Cards) New
229322 Change in Terms Disclosures (Open-End Credit Not Home-Secured) New
229321 Alternative Summary Statement of Billing Rights (Open-End Credit Not Home-Secured) New
229320 Annual Statement of Billing Rights (Open-End Credit Not Home-Secured) New
229319 Periodic Statements (Open-End Credit Not Home-Secured) New
229318 Account Opening Disclosures New
229317 Credit and Charge Card Applications and Solicitations New
229316 Valuation Independence - Implement Written Policies and Procedures (One Time) New
229315 Ability to Pay - Implement Written Policies and Procedures (One Time) New
229314 Timely Settlement of Estate Debts - Implement Written Policies and Procedures (One Time) New
198816 Initial disclosures Section 226.6 One-time change (R-1399) Removed
ICR Details
3064-0082 201709-3064-008
Active 201405-3064-003
FDIC
Recordkeeping, Disclosure and Reporting Requirements in Connection with Regulation Z (Truth in Lending)
Revision of a currently approved collection   No
Regular
Approved without change 05/17/2018
Retrieve Notice of Action (NOA) 02/21/2018
  Inventory as of this Action Requested Previously Approved
05/31/2021 36 Months From Approved 05/31/2018
14,642,857 0 8,796
2,395,630 0 2,371,008
0 0 0
Consumer Financial Protection Bureau (CFPB) Regulation Z - 12 CFR 1026 implements the Truth in Lending Act (15 U.S.C. 1601, et seq.) and certain provisions of the Real Estate Settlement Procedures Act (12 U.S.C. 2601 et seq.). This regulation prescribes uniform methods for computing the cost of credit, the disclosure of credit terms and costs, the resolution of errors and imposes various other recordkeeping, reporting and disclosure requirements. The FDIC has enforcement authority on the requirements of the CFPB’s Regulation over the financial institutions it supervises. This information collection captures the recordkeeping, reporting and disclosure burdens of Regulation Z on FDIC-supervised institutions.
US Code: 15 USC 1607 Name of Law: Truth-in-Lending Act
  
US Code: 12 USC 5301 et seq. Name of Law: Dodd-Frank Wall Street Reform And Consumer Protection Act
Not associated with rulemaking
  82 FR 57751 12/07/2017
83 FR 7179 02/20/2018
No
46
IC Title Form No. Form Name
Valuation Independence - Implement Written Policies and Procedures (One Time)
Recordkeeping and Disclosure Requirements in Connection with Regulation Z (Truth in Lending)
Initial disclosures Section 226.6 One-time change (R-1399)
Credit and Charge Card Applications and Solicitations
Account Opening Disclosures
Annual Statement of Billing Rights (Open-End Credit Not Home-Secured)
Alternative Summary Statement of Billing Rights (Open-End Credit Not Home-Secured)
Change in Terms Disclosures (Open-End Credit Not Home-Secured)
Timely Settlement of Estate Debts (Credit and Charge Cards)
Ability to Pay Determination (Credit and Charge Cards)
College Student Credit Annual Report (Credit and Charge Cards)
Submission of Credit Card Agreements (Credit and Charge Cards)
Internet Posting of Credit Card Agreements (Credit and Charge Cards)
Periodic Statements (Open-End Credit Not Home-Secured)
Change in Terms Disclosures (HELOC's)
Individual Credit Card Agreements (Credit and Charge Cards)
Application Disclosures (HELOC's)
Account Opening Disclosures (HELOC's)
Reporting Appraiser Noncompliance (All Mortgage Products)
Application and Solicitation Disclosures (Private Education Loans)
Evidence of Compliance - Record Retention
Escrow Cancellation Notice (Closed-End Mortgages)
Ability to Pay Requirements (Closed-End Mortgages)
Prepayment Penalties (Closed-End Mortgages)
Payoff Statements (All Mortgage Products)
Notice of Sale or Transfer (All Mortgage Products)
Periodic Statements (Closed-End Mortgages)
HOEPA Disclosures and Notice
Reverse Mortgage Disclosures
Approval Disclosures (Private Education Loans)
Final Disclosures (Private Education Loans)
Advertising Rules Open-End Credit
Advertising Rules Closed-End Credit
Timely Settlement of Estate Debts - Implement Written Policies and Procedures (One Time)
Ability to Pay - Implement Written Policies and Procedures (One Time)
Periodic Statements (HELOC's)
Annual Statement of Billing Rights (HELOC's)
Alternative Summary Statement of Billing Rights (HELOC's)
Notice to Restrict Credit (HELOC's)
Error Resolution (Open-End Credit)
General Disclosures (Closed-End Credit)
Application and Consummation Loan Estimate (Closed-End Mortgages)
Application and Consummation Closing Disclosure (Closed-End Mortgages)
Record Retention of Disclosures (Closed-End Mortgages)
Post-Consummation Interest Rate and Payment Summary (Closed-End Mortgages)
No Guaranty to Refinance Statement (Closed-End Mortgages)
ARM's Rate Adjustments with Payment Change Disclosures (Closed-End Mortgages)
Initial Rate Adjustment Disclosure for ARM's (Closed-End Mortgages)
  Total Approved Previously Approved Change Due to New Statute Change Due to Agency Discretion Change Due to Adjustment in Estimate Change Due to Potential Violation of the PRA
Annual Number of Responses 14,642,857 8,796 0 0 14,634,061 0
Annual Time Burden (Hours) 2,395,630 2,371,008 0 0 24,622 0
Annual Cost Burden (Dollars) 0 0 0 0 0 0
No
No
$0
No
    No
    No
No
Yes
No
Uncollected
Manuel Cabeza 202 898-3781 [email protected]
  No
On behalf of this Federal agency, I certify that the collection of information encompassed by this request complies with 5 CFR 1320.9 and the related provisions of 5 CFR 1320.8(b)(3).
The following is a summary of the topics, regarding the proposed collection of information, that the certification covers:
 
 
 
 
 
 
 
    (i) Why the information is being collected;
    (ii) Use of information;
    (iii) Burden estimate;
    (iv) Nature of response (voluntary, required for a benefit, or mandatory);
    (v) Nature and extent of confidentiality; and
    (vi) Need to display currently valid OMB control number;
 
 
 
If you are unable to certify compliance with any of these provisions, identify the item by leaving the box unchecked and explain the reason in the Supporting Statement.
02/21/2018