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appendix h form

See interpretation of this section in Supplement I, H-3 Amount Financed Itemization Model Form (§ 1026.18(c)), H-4(A) Variable-Rate Model Clauses (§ 1026.18(f)(1)), H-4(B) Variable-Rate Model Clauses (§ 1026.18(f)(2)), H-4(C) Variable-Rate Model Clauses (§ 1026.19(b)), H-4(D)(1) Adjustable-Rate Mortgage Model Form (§ 1026.20(c)), H-4(D)(2) Adjustable-Rate Mortgage Sample Form (§ 1026.20(c)), H-4(D)(3) Adjustable-Rate Mortgage Model Form (§ 1026.20(d)), H-4(D)(4) Adjustable-Rate Mortgage Sample Form (§ 1026.20(d)), H-4(E) Fixed-Rate Mortgage Interest Rate and Payment Summary Model Clause (§ 1026.18(s)), H-4(F) Adjustable-Rate Mortgage or Step-Rate Mortgage Interest Rate and Payment Summary Model Clause (§ 1026.18(s)), H-4(G) Mortgage with Negative Amortization Interest Rate and Payment Summary Model Clause (§ 1026.18(s)), H-4(H) Fixed-Rate Mortgage with Interest-Only Interest Rate and Payment Summary Model Clause (§ 1026.18(s)), H-4(I) Adjustable-Rate Mortgage Introductory Rate Disclosure Model Clause (§ 1026.18(s)(2)(iii)), H-4(J) Balloon Payment Disclosure Model Clause (§ 1026.18(s)(5)), H-5 Demand Feature Model Clauses (§ 1026.18(i)), H-6 Assumption Policy Model Clause (§ 1026.18(q)), H-7 Required Deposit Model Clause (§ 1026.18(r)), H-8 Rescission Model Form (General) (§ 1026.23), H-9 Rescission Model Form (Refinancing (with Original Creditor)) (§ 1026.23), H-13 Closed-End Transaction With Demand Feature Sample, H-14 Variable-Rate Mortgage Sample (§ 1026.19(b)), H-15 Closed-End Graduated-Payment Transaction Sample, H-18 Private Education Loan Application and Solicitation Model Form, H-19 Private Education Loan Approval Model Form, H-20 Private Education Loan Final Model Form, H-21 Private Education Loan Application and Solicitation Sample, H-22 Private Education Loan Approval Sample, H-24(A) Mortgage Loan Transaction Loan Estimate - Model Form, H-24(B) Mortgage Loan Transaction Loan Estimate - Fixed Rate Loan Sample, H-24(C) Mortgage Loan Transaction Loan Estimate - Interest Only Adjustable Rate Loan Sample, H-24(D) Mortgage Loan Transaction Loan Estimate - Refinance Sample, H-24(E) Mortgage Loan Transaction Loan Estimate - Balloon Payment Sample, H-24(F) Mortgage Loan Transaction Loan Estimate - Negative Amortization Sample, H-24(G) Mortgage Loan Transaction Loan Estimate - Modification to Loan Estimate for Transaction Not Involving Seller - Model Form, H-25(A) Mortgage Loan Transaction Closing Disclosure - Model Form, H-25(B) Mortgage Loan Transaction Closing Disclosure - Fixed Rate Loan Sample, H-25(C) Mortgage Loan Transaction Closing Disclosure - Borrower Funds From Second-Lien Loan in Summaries of Transactions Sample, H-25(D) Mortgage Loan Transaction Closing Disclosure - Borrower Satisfaction of Seller's Second-Lien Loan Outside of Closing in Summaries of Transactions Sample, H-25(E) Mortgage Loan Transaction Closing Disclosure - Refinance Transaction Sample, H-25(F) Mortgage Loan Transaction Closing Disclosure - Refinance Transaction Sample (amount in excess of § 1026.19(e)(3)), H-25(G) Mortgage Loan Transaction Closing Disclosure - Refinance Transaction With Cash From Consumer at Consummation Sample, H-25(H) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Cost Details - Model Form, H-25(I) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Disclosure for Disclosure Provided to Seller - Model Form, H-25(J) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Disclosure for Transaction Not Involving Seller - Model Form, H-26 Mortgage Loan Transaction - Pre-Loan Estimate Statement - Model Form, H-27(A) Mortgage Loan Transaction - Written List of Providers - Model Form, H-27(B) Mortgage Loan Transaction - Sample of Written List of Providers, H-27(C) Mortgage Loan Transaction - Sample of Written List of Providers with Services You Cannot Shop For, H-28(A) Mortgage Loan Transaction Loan Estimate - Spanish Language Model Form, H-28(B) Mortgage Loan Transaction Loan Estimate - Spanish Language Purchase Sample, H-28(C) Mortgage Loan Transaction Loan Estimate - Spanish Language Refinance Sample, H-28(D) Mortgage Loan Transaction Loan Estimate - Spanish Language Balloon Payment Sample, H-28(E) Mortgage Loan Transaction Loan Estimate - Spanish Language Negative Amortization Sample, H-28(F) Mortgage Loan Transaction Closing Disclosure - Spanish Language Model Form, H-28(G) Mortgage Loan Transaction Closing Disclosure - Spanish Language Purchase Sample, H-28(H) Mortgage Loan Transaction Closing Disclosure - Spanish Language Refinance Sample, H-28(I) Mortgage Loan Transaction Loan Estimate - Modification to Loan Estimate for Transaction Not Involving Seller - Spanish Language Model Form, H-28(J) Mortgage Loan Transaction Closing Disclosure - Modification to Closing Disclosure for Transaction Not Involving Seller - Spanish Language Model Form, H-29 Escrow Cancellation Notice Model Form (§ 1026.20(e)), H-30(A) Sample Form of Periodic Statement (§ 1026.41), H-30(B) Sample Form of Periodic Statement with Delinquency Box (§ 1026.41), H-30(C) Sample Form of Periodic Statement for a Payment-Option Loan (§ 1026.41), H-30(D) Sample Clause for Homeownership Counselor Contact Information (§ 1026.41), H-30(E) Sample Form of Periodic Statement for Consumer in Chapter 7 or Chapter 11 Bankruptcy, H-30(F) Sample Form of Periodic Statement for Consumer in Chapter 12 or Chapter 13 Bankruptcy, $__________ to [public officials] [credit bureau] [appraiser] [insurance company], $__________ to (name of another creditor).

I. (For example, in 1996 the monthly payment for a mortgage amount of $60,000 taken out in 1982 would be: $60,000 ÷ $10,000 = 6; 6 × $106.73 = $640.38.)]. E. Combining required terms where several numerical disclosures are the same.

§ 1026.54 Limitations on the imposition of finance charges.

The information about circumstances, limitations, and effects of an increase may be given in terms of the contract interest rate or the annual percentage rate. Description: This is a blank model Loan Estimate that illustrates the application of the content requirements in § 1026.37, and is translated into the Spanish language as permitted by § 1026.37(o)(5)(ii). The sample form shows a creditor how to adapt the model clauses in appendix H-4(C) to the creditor's own particular variable-rate program.

Description: This is a sample of a completed Closing Disclosure for the fixed rate loan illustrated by form [H-24(B).

), C. The property insurance disclosures. Information about the index rate is published weekly in the Wall Street Journal. • Your interest rate will be based on an index rate plus a margin.

endstream endobj 55 0 obj<>/Metadata 52 0 R/AcroForm 57 0 R/Pages 51 0 R/PageLayout/SinglePage/OpenAction 56 0 R/Type/Catalog>> endobj 56 0 obj<> endobj 57 0 obj<>/Encoding<>>>>> endobj 58 0 obj<>/ProcSet[/PDF/Text]/ExtGState<>>>/Type/Page>> endobj 59 0 obj<> endobj 60 0 obj<> endobj 61 0 obj<> endobj 62 0 obj<> endobj 63 0 obj<> endobj 64 0 obj<>stream Description: This is a blank model Loan Estimate that illustrates the application of the content requirements in § 1026.37, with the optional alternative tables permitted by § 1026.37(d)(2) and (h)(2) for transactions without a seller. Model H-4(G) illustrates the interest rate and payment summary table required under § 1026.18(s) for a mortgage transaction with negative amortization.

iv.

6. Model H-4(C). (See Samples H-11 through H-15. 15. This sample illustrates a graduated payment transaction subject to § 1026.17(a) with a 5-year graduation period and a 71/2 percent yearly increase in payments. These models contain the rescission notices for a typical closed-end transaction and a refinancing, respectively. 29. Creditors making revisions with that effect will lose their protection from civil liability. Sample H-11.

Section 1026.19(b)(2)(viii) permits creditors the option to provide either a historical example or an initial and maximum interest rates and payments disclosure; both are illustrated in the sample disclosure. Forms H-24(A) through (G), H-25(A) through (J), and H-28(A) through (J) are model forms for the disclosures required under §§ 1026.37 and 1026.38.

This model contains the variable rate model clauses applicable to transactions subject to § 1026.18(f)(1) and is intended to give creditors considerable flexibility in structuring variable rate disclosures to fit individual plans. The model clause also illustrates the disclosure of the initial and maximum interest rates and payments based on an initial interest rate (index value plus margin, adjusted by the amount of any discount or premium) in effect as of an identified month and year for the loan program disclosure and illustrates how to provide consumers with a method for calculating the monthly payment for the loan amount to be borrowed. 5 percentage points lifetime interest rate. Description: This is a sample of the Loan Estimate illustrated by form [H-24(D) for a refinance transaction in which the consumer is estimated to receive funds from the transaction, translated into the Spanish language as permitted by § 1026.37(o)(5)(ii). B. [If the interest rate increases by ___________% in (time period), [your regular payments will increase to $___________.

The sample disclosure also illustrates the alternative disclosure under § 1026.19(b)(2)(viii)(B) that the initial and the maximum interest rates and payments be shown for a $10,000 loan originated at an initial interest rate of 12.41 percent (which was in effect July 1996) and to have 2 percentage point annual (and 5 percentage point overall) interest rate limitations or caps. iii.

The sample forms (H-10 through H-15) serve a different purpose than the model forms.

The model clauses are not included in the model forms although they are mandatory for certain transactions. Sample H-21. ], [The maximum interest rate increase at one time will be ___________%.

These model forms illustrate disclosures required under § 1026.47 on or with an application or solicitation, at approval, and after acceptance of a private education loan. If the disclosures are provided on two sides of a single sheet of paper, the creditor must include a reference or references, such as “SEE BACK OF PAGE” at the bottom of each page indicating that the disclosures continue onto the back of the page. %PDF-1.6 %���� Your home is the security for this new transaction. § 1026.12 Special credit card provisions. This does not necessarily indicate how your index will change in the future.

As a result, the samples do not provide the general protection from civil liability provided by the model forms and clauses. Pursuant to section 113(a) of the Truth in Lending Act, Form HRSA-502-2 9-82 issued by the U.S. Department of Health and Human Services for certain student loans has been approved for use for loans made prior to the mandatory compliance date of the disclosures required under Subpart F. The form was approved for all HEAL loans with a fixed interest rate in which the borrower has reached repayment status and is making payments of both interest and principal.

The page numbers should be displayed on the top right of each page. 1022.72 if a credit score is used in setting the material terms of credit. For example, creditors may state that the rate will increase by 2%, with a corresponding $150 increase in the payment, or creditors may state that the rate will increase to 16%, with a corresponding payment of $850. ], [the balance in your deposit account falls below $___________. E. Sufficient contrast between the text and the background. The sample form shows a creditor how to adapt the model clauses in Appendix H–4(C) to the creditor's own particular variable-rate program. Written statement reciting the event or occurrence upon which the alleged grievance is based. 7.

This form provides one variation of page one, four variations of page two, and four variations of page three, reflecting the variable content requirements in § 1026.37.

24.

Description: This is a sample of a completed Closing Disclosure for a refinance transaction in which the consumer must pay additional funds to satisfy the existing mortgage loan securing the property and other existing debt to consummate the transaction. (For example, in 1996 the monthly payment for a mortgage amount of $60,000 taken out in 1982 would be: $60,000 ÷ $10,000 = 6; 6 × __ = $__ per month.). The sample assumes a variable interest rate that will never exceed 25% over the life of the loan. Creditors may make certain types of changes to private education loan model forms H-18 (application and solicitation), H-19 (approval), and H-20 (final) and still be deemed to be in compliance with the regulation, provided that the required disclosures are made clearly and conspicuously. This does not necessarily indicate how your index will change in the future. This sample illustrates a disclosure required under § 1026.47(a).

], [The interest rate will not increase above ___________%. Your loan contains a variable-rate feature. Adding loan identification information, such as a loan identification number.

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