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Federal forms, ICRs, and supporting documents

Information Collection Request

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

ICR 202102-3064-008 · OMB 3064-0082 · Received in OIRA

Forms and Documents
DocumentTypeStatusAvailability
SPST 0082 Regulation Z 2021 Renewal.docx Supporting Statement A Uploaded 2021-05-24 Missing upstream
FR2-0082 Regulation Z 86 FR 27596 May 21 2021.pdf Supplementary Document Uploaded 2021-05-24 Repair queued
FR1 0082 Reg Z 86 FR 11771 February 25 2021.pdf Supplementary Document Uploaded 2021-05-24 Repair queued
IC Document Collections
IC IDCollectionTypeStatusForm
229367 Evidence of Compliance - Record Retention Modified
229366 Advertising Rules Closed-End Credit Modified
229365 Advertising Rules Open-End Credit Modified
229364 Final Disclosures (Private Education Loans) Modified
229363 Approval Disclosures (Private Education Loans) Modified
229362 Application and Solicitation Disclosures (Private Education Loans) Modified
229361 HOEPA Disclosures and Notice Modified
229360 Reverse Mortgage Disclosures Modified
229353 Reporting Appraiser Noncompliance (All Mortgage Products) Modified
229352 Notice of Sale or Transfer (All Mortgage Products) Modified
229351 Payoff Statements (All Mortgage Products) Modified
229350 Prepayment Penalties (Closed-End Mortgages) Modified
229348 Ability to Pay Requirements (Closed-End Mortgages) Modified
229347 Periodic Statements (Closed-End Mortgages) Modified
229346 Escrow Cancellation Notice (Closed-End Mortgages) Modified
229345 Initial Rate Adjustment Disclosure for ARM's (Closed-End Mortgages) Modified
229344 ARM's Rate Adjustments with Payment Change Disclosures (Closed-End Mortgages) Modified
229343 No Guaranty to Refinance Statement (Closed-End Mortgages) Modified
229342 Post-Consummation Interest Rate and Payment Summary (Closed-End Mortgages) Modified
229341 Record Retention of Disclosures (Closed-End Mortgages) Modified
229340 Application and Consummation Closing Disclosure (Closed-End Mortgages) Modified
229339 Application and Consummation Loan Estimate (Closed-End Mortgages) Modified
229338 General Disclosures (Closed-End Credit) Modified
229337 Error Resolution (Open-End Credit) Modified
229336 Notice to Restrict Credit (HELOC's) Modified
229335 Change in Terms Disclosures (HELOC's) Modified
229334 Alternative Summary Statement of Billing Rights (HELOC's) Modified
229333 Annual Statement of Billing Rights (HELOC's) Modified
229332 Periodic Statements (HELOC's) Modified
229331 Account Opening Disclosures (HELOC's) Modified
229329 Application Disclosures (HELOC's) Modified
229328 Individual Credit Card Agreements (Credit and Charge Cards) Modified
229327 Internet Posting of Credit Card Agreements (Credit and Charge Cards) Modified
229326 Submission of Credit Card Agreements (Credit and Charge Cards) Modified
229325 College Student Credit Annual Report (Credit and Charge Cards) Modified
229324 Ability to Pay Determination (Credit and Charge Cards) Modified
229323 Timely Settlement of Estate Debts (Credit and Charge Cards) Modified
229322 Change in Terms Disclosures (Open-End Credit Not Home-Secured) Modified
229321 Alternative Summary Statement of Billing Rights (Open-End Credit Not Home-Secured) Modified
229320 Annual Statement of Billing Rights (Open-End Credit Not Home-Secured) Modified
229319 Periodic Statements (Open-End Credit Not Home-Secured) Modified
229318 Account Opening Disclosures Modified
229317 Credit and Charge Card Applications and Solicitations Modified
229316 Valuation Independence - Implement Written Policies and Procedures (One Time) Modified
229315 Ability to Pay - Implement Written Policies and Procedures (One Time) Modified
229314 Timely Settlement of Estate Debts - Implement Written Policies and Procedures (One Time) Modified
ICR Details
3064-0082 202102-3064-008
Received in OIRA 201709-3064-008
FDIC
Recordkeeping, Disclosure and Reporting Requirements in Connection with Regulation Z (Truth in Lending)
Extension without change of a currently approved collection   No
Regular 05/24/2021
  Requested Previously Approved
36 Months From Approved 05/31/2021
5,022,995 14,642,857
2,031,604 2,395,630
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
  86 FR 11771 02/25/2021
86 FR 27596 05/21/2021
No
46
IC Title Form No. Form Name
ARM's Rate Adjustments with Payment Change Disclosures (Closed-End Mortgages)
Ability to Pay - Implement Written Policies and Procedures (One Time)
Ability to Pay Determination (Credit and Charge Cards)
Ability to Pay Requirements (Closed-End Mortgages)
Account Opening Disclosures
Account Opening Disclosures (HELOC's)
Advertising Rules Closed-End Credit
Advertising Rules Open-End Credit
Alternative Summary Statement of Billing Rights (HELOC's)
Alternative Summary Statement of Billing Rights (Open-End Credit Not Home-Secured)
Annual Statement of Billing Rights (HELOC's)
Annual Statement of Billing Rights (Open-End Credit Not Home-Secured)
Application Disclosures (HELOC's)
Application and Consummation Closing Disclosure (Closed-End Mortgages)
Application and Consummation Loan Estimate (Closed-End Mortgages)
Application and Solicitation Disclosures (Private Education Loans)
Approval Disclosures (Private Education Loans)
Change in Terms Disclosures (HELOC's)
Change in Terms Disclosures (Open-End Credit Not Home-Secured)
College Student Credit Annual Report (Credit and Charge Cards)
Credit and Charge Card Applications and Solicitations
Error Resolution (Open-End Credit)
Escrow Cancellation Notice (Closed-End Mortgages)
Evidence of Compliance - Record Retention
Final Disclosures (Private Education Loans)
General Disclosures (Closed-End Credit)
HOEPA Disclosures and Notice
Individual Credit Card Agreements (Credit and Charge Cards)
Initial Rate Adjustment Disclosure for ARM's (Closed-End Mortgages)
Internet Posting of Credit Card Agreements (Credit and Charge Cards)
No Guaranty to Refinance Statement (Closed-End Mortgages)
Notice of Sale or Transfer (All Mortgage Products)
Notice to Restrict Credit (HELOC's)
Payoff Statements (All Mortgage Products)
Periodic Statements (Closed-End Mortgages)
Periodic Statements (HELOC's)
Periodic Statements (Open-End Credit Not Home-Secured)
Post-Consummation Interest Rate and Payment Summary (Closed-End Mortgages)
Prepayment Penalties (Closed-End Mortgages)
Record Retention of Disclosures (Closed-End Mortgages)
Reporting Appraiser Noncompliance (All Mortgage Products)
Reverse Mortgage Disclosures
Submission of Credit Card Agreements (Credit and Charge Cards)
Timely Settlement of Estate Debts (Credit and Charge Cards)
Timely Settlement of Estate Debts - Implement Written Policies and Procedures (One Time)
Valuation Independence - Implement Written Policies and Procedures (One Time)
  Total Request 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 5,022,995 14,642,857 0 0 -9,619,862 0
Annual Time Burden (Hours) 2,031,604 2,395,630 0 0 -364,026 0
Annual Cost Burden (Dollars) 0 0 0 0 0 0
No
No
$0
No
    No
    No
No
Yes
No
No
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.
05/24/2021