OMB.report

Federal forms, ICRs, and supporting documents

Information Collection Request

Recordkeeping and Disclosure Requirements Associated with CFPB’s Regulation Z

ICR 202410-7100-002 · OMB 7100-0199 · Active

Forms and Documents
DocumentTypeStatusAvailability
FRZ_20241031_omb.pdf Supporting Statement A Uploaded 2024-10-31 Available
IC Document Collections
IC IDCollectionTypeStatusForm
36212 Disclosure Section 1026.60 Open-end credit (Not home-secured) Applications and solicitations Unchanged
249478 Disclosure Sections 1026.16 and 1026.24 Advertising rules (All credit types) Advertising rules Unchanged
249477 Disclosure Section 1026.47 Private education loans Private student loan disclosures Unchanged
249476 Disclosure Sections 1026.43(c), (d), and (f) Certain home mortgage types Appraisals for higher-priced mortgage loans Review and provide copy of additional appraisal Unchanged
249475 Disclosure Sections 1026.43(c), (d), and (f) Certain home mortgage types Appraisals for higher-priced mortgage loans Investigate and verify requirement for additional appraisal Unchanged
249474 Disclosure Sections 1026.43(c), (d), and (f) Certain home mortgage types Appraisals for higher-priced mortgage loans Review and provide copy of initial appraisal Unchanged
249473 Disclosures Section 1026.34(a)(5)(i) Certain home mortgage types HOEPA receipt of certification of couseling for high-cost mortgages Unchanged
249471 Disclosure Sections 1026.31, 1026.32, and 1026.36 Certain home mortgage types HOEPA disclosures Unchanged
221346 Disclosure Sections 1026.31(c)(2) and 1026.33 Certain home mortgage types Reverse mortgage disclosures Unchanged
221345 Disclosure Section 1026.39 Open and closed end mortgage Mortgage transfer disclosure Unchanged
221344 Disclosure Section 1026.36(c)(3) Open and closed end mortgage Payoff statements Unchanged
221343 Disclosure Sections 1026.20(c)-(e), 1026.36, 1026.39, and 1026.41 Closed-end credit (Mortgage) Post-consummation disclosures for successors in interest Unchanged
221341 Disclosure Sections 1026.41(e) and (f) Closed-end credit (Mortgage) Periodic statements in bankruptcy Unchanged
221336 Disclosure Section 1026.41 Closed-end credit (Mortgage) Periodic statements Unchanged
221335 Disclosure Section 1026.20(d) Closed-end credit (Mortgage) Initial rate adjustment notice Unchanged
221331 Disclosure Section 1026.20(c) Closed-end credit (Mortgage) ARM disclosures Unchanged
206185 Disclosure Sections 1026.19(f) and 1026.38 Closed-end credit (Mortgage) Closing disclosure Unchanged
206183 Disclosure Sections 1026.19(e) and 1026.37 Closed-end credit (Mortgage) Loan estimate Unchanged
200253 Disclosure Sections 1026.18(s) and 1026.18(t)(1) Closed-end credit (Mortgage) Interest rate and payment summary and "No-guarantee-to-refinance" statement Unchanged
199372 Disclosure Sections 1026.17 and 1026.18 Closed-end credit (Non-mortgage) Closed-end credit disclosures Unchanged
197094 Disclosure Sections 1026.9(a) and 1026.13 All open-end credit Error resolution Credit cards Unchanged
193825 Disclosure Sections 1026.9(c)(1)(iii) and 1026.40(f)(3)(i)) and (f)(3)(vi) Open-end credit (Home-equity) Notices to restrict credit Unchanged
191438 Disclosure Sections 1026.9(c)(1)(i) and (ii) Open-end credit (Home-equity) Change-in-terms disclosures Unchanged
189274 Disclosure Section 1026.7(a) Open-end credit (Home-equity) Periodic statements Unchanged
179781 Disclosure Section 1026.6(a) Open-end credit (Home-equity) Account opening disclosures Unchanged
179780 Disclosure Section 1026.40 Open-end credit (Home-equity) Application disclosures Unchanged
179778 Recordkeeping Section 1026.51 Open-end credit (Not home-secured) Ability to pay policies Unchanged
179777 Disclosure Section 1026.11(c)(2) Open-end credit (Not home-secured) Timely settlement of estate debts account information to estate administrator Unchanged
179775 Recordkeeping Section 1026.11(c) Open-end credit (Not home-secured) Timely settlement of estate debts policies Unchanged
179773 Disclosure Section 1026.9 Open-end credit (Not home-secured) Change-in-terms disclosures Unchanged
179772 Disclosure Section 1026.7(b) Open-end credit (Not home-secured) Periodic statements Unchanged
179769 Disclosure Section 1026.6(b) Open-end credit (Not home-secured) Account opening disclosures Unchanged
ICR Details
7100-0199 202410-7100-002
Active 202401-7100-003
FRS FR Z
Recordkeeping and Disclosure Requirements Associated with CFPB’s Regulation Z
Extension without change of a currently approved collection   No
Delegated
Approved without change 10/31/2024
Retrieve Notice of Action (NOA) 10/31/2024
  Inventory as of this Action Requested Previously Approved
10/31/2027 36 Months From Approved 10/31/2024
23,153,134 0 23,153,134
387,079 0 387,079
0 0 0
The Truth in Lending Act (TILA) and Regulation Z promote the informed use of credit by consumers for personal, family, or household purposes by requiring disclosures about its terms and costs, as well as ensuring that consumers are provided with timely information on the nature and costs of the residential real estate settlement process.
US Code: 15 USC 1604 Name of Law: Truth in Lending Act
  
None
Not associated with rulemaking
  89 FR 48645 06/07/2024
89 FR 85972 10/29/2024
No
32
IC Title Form No. Form Name
Disclosure Section 1026.11(c)(2) Open-end credit (Not home-secured) Timely settlement of estate debts account information to estate administrator
Disclosure Section 1026.20(c) Closed-end credit (Mortgage) ARM disclosures
Disclosure Section 1026.20(d) Closed-end credit (Mortgage) Initial rate adjustment notice
Disclosure Section 1026.36(c)(3) Open and closed end mortgage Payoff statements
Disclosure Section 1026.39 Open and closed end mortgage Mortgage transfer disclosure
Disclosure Section 1026.40 Open-end credit (Home-equity) Application disclosures
Disclosure Section 1026.41 Closed-end credit (Mortgage) Periodic statements
Disclosure Section 1026.47 Private education loans Private student loan disclosures
Disclosure Section 1026.6(a) Open-end credit (Home-equity) Account opening disclosures
Disclosure Section 1026.6(b) Open-end credit (Not home-secured) Account opening disclosures
Disclosure Section 1026.60 Open-end credit (Not home-secured) Applications and solicitations
Disclosure Section 1026.7(a) Open-end credit (Home-equity) Periodic statements
Disclosure Section 1026.7(b) Open-end credit (Not home-secured) Periodic statements
Disclosure Section 1026.9 Open-end credit (Not home-secured) Change-in-terms disclosures
Disclosure Sections 1026.16 and 1026.24 Advertising rules (All credit types) Advertising rules
Disclosure Sections 1026.17 and 1026.18 Closed-end credit (Non-mortgage) Closed-end credit disclosures
Disclosure Sections 1026.18(s) and 1026.18(t)(1) Closed-end credit (Mortgage) Interest rate and payment summary and "No-guarantee-to-refinance" statement
Disclosure Sections 1026.19(e) and 1026.37 Closed-end credit (Mortgage) Loan estimate
Disclosure Sections 1026.19(f) and 1026.38 Closed-end credit (Mortgage) Closing disclosure
Disclosure Sections 1026.20(c)-(e), 1026.36, 1026.39, and 1026.41 Closed-end credit (Mortgage) Post-consummation disclosures for successors in interest
Disclosure Sections 1026.31(c)(2) and 1026.33 Certain home mortgage types Reverse mortgage disclosures
Disclosure Sections 1026.31, 1026.32, and 1026.36 Certain home mortgage types HOEPA disclosures
Disclosure Sections 1026.41(e) and (f) Closed-end credit (Mortgage) Periodic statements in bankruptcy
Disclosure Sections 1026.43(c), (d), and (f) Certain home mortgage types Appraisals for higher-priced mortgage loans Investigate and verify requirement for additional appraisal
Disclosure Sections 1026.43(c), (d), and (f) Certain home mortgage types Appraisals for higher-priced mortgage loans Review and provide copy of additional appraisal
Disclosure Sections 1026.43(c), (d), and (f) Certain home mortgage types Appraisals for higher-priced mortgage loans Review and provide copy of initial appraisal
Disclosure Sections 1026.9(a) and 1026.13 All open-end credit Error resolution Credit cards
Disclosure Sections 1026.9(c)(1)(i) and (ii) Open-end credit (Home-equity) Change-in-terms disclosures
Disclosure Sections 1026.9(c)(1)(iii) and 1026.40(f)(3)(i)) and (f)(3)(vi) Open-end credit (Home-equity) Notices to restrict credit
Disclosures Section 1026.34(a)(5)(i) Certain home mortgage types HOEPA receipt of certification of couseling for high-cost mortgages
Recordkeeping Section 1026.11(c) Open-end credit (Not home-secured) Timely settlement of estate debts policies
Recordkeeping Section 1026.51 Open-end credit (Not home-secured) Ability to pay policies
  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 23,153,134 23,153,134 0 0 0 0
Annual Time Burden (Hours) 387,079 387,079 0 0 0 0
Annual Cost Burden (Dollars) 0 0 0 0 0 0
No
No
$0
No
    No
    No
No
No
No
No
Kareemat Ayodeji 757 921-4888 [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.
10/31/2024