source:
  type: regulation
  id: reg-z-1026.25
  authority: 12 CFR §1026.25 — Record retention
  description: 'Regulation Z §1026.25 sets the load-bearing record-retention duties

    for [LENDER]: (a) general 2-year rule — retain evidence of compliance

    with Part 1026 (other than advertising under §§1026.16 / 1026.24 and

    the §1026.19(e) / (f) integrated-disclosure compliance, which have

    their own retention rules) for two years after the date disclosures

    are required to be made or action is required to be taken; (b)

    inspection right — permit the enforcing agency to inspect relevant

    records for compliance; (c)(1)(i) 3-year rule for §1026.19(e) and

    (f) records on loans secured by real property or a cooperative unit;

    (c)(1)(ii)(A) special 5-year rule for completed Closing Disclosures

    (§1026.19(f)(1)(i) or (f)(4)(i)) and all related documents

    notwithstanding (c)(1)(ii)(B); (c)(1)(ii)(B) transfer-of-Closing-

    Disclosure rule on sale or transfer where [LENDER] does not retain

    servicing; (c)(2) special 3-year rule for §1026.36 loan-originator-

    compensation records (compensation paid AND compensation agreements);

    and (c)(3) special 3-year rule for §1026.43 ATR records after

    consummation. The administrative agencies may require [LENDER] to

    retain records for a longer period if necessary to carry out their

    TILA-section-108 enforcement responsibilities.

    '
obligations:
- id: reg-z-1026.25-a
  canonical_id: reg-z-1026.25-a
  section: 12 CFR §1026.25 — Record retention
  description: '(a): (a) General rule. A creditor shall retain evidence of compliance with this part (other
    than advertising requirements under §§ 1026.16 and 1026.24, and other than the requirements under
    § 1026.19(e) and (f) ) for two years after the date disclosures are required to be made or action
    is required to be…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.25(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.25
    snapshot_id: de95f88a70a9054e
    fetched_at: '2026-05-24T19:34:09Z'
    content_hash: sha256:647dc5eb01754446376ad833fb1735f5a96e4664d14d9184eaa517f0a02d7124
    paragraph_quote: (a) General rule. A creditor shall retain evidence of compliance with this part (other
      than advertising requirements under §§ 1026.16 and 1026.24, and other than the requirements under
      § 1026.19(e) and (f) ) for two years after the date disclosures are required to be made or action
      is required to be taken. The administrative agencies responsible for enforcing the regulation may
      require creditors under their jurisdictions to retain records for a longer period if necessary to
      carry out their enforcement responsibilities under section 108 of the Act.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot de95f88a70a9054e; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.25-b
  canonical_id: reg-z-1026.25-b
  section: 12 CFR §1026.25 — Record retention
  description: '(b): (b) Inspection of records. A creditor shall permit the agency responsible for enforcing
    this part with respect to that creditor to inspect its relevant records for compliance.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.25(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.25
    snapshot_id: de95f88a70a9054e
    fetched_at: '2026-05-24T19:34:09Z'
    content_hash: sha256:647dc5eb01754446376ad833fb1735f5a96e4664d14d9184eaa517f0a02d7124
    paragraph_quote: (b) Inspection of records. A creditor shall permit the agency responsible for enforcing
      this part with respect to that creditor to inspect its relevant records for compliance.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot de95f88a70a9054e; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.25-c
  canonical_id: reg-z-1026.25-c
  section: 12 CFR §1026.25 — Record retention
  description: '(c): (c) Records related to certain requirements for mortgage loans —(1) Records related
    to requirements for loans secured by real property or a cooperative unit —(i) General rule. Except
    as provided under paragraph (c)(1)(ii) of this section, a creditor shall retain evidence of compliance
    with the requi…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.25(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.25
    snapshot_id: de95f88a70a9054e
    fetched_at: '2026-05-24T19:34:09Z'
    content_hash: sha256:647dc5eb01754446376ad833fb1735f5a96e4664d14d9184eaa517f0a02d7124
    paragraph_quote: '(c) Records related to certain requirements for mortgage loans —(1) Records related
      to requirements for loans secured by real property or a cooperative unit —(i) General rule. Except
      as provided under paragraph (c)(1)(ii) of this section, a creditor shall retain evidence of compliance
      with the requirements of § 1026.19(e) and (f) for three years after the later of the date of consummation,
      the date disclosures are required to be made, or the date the action is required to be taken. (ii)
      Closing disclosures. (A) A creditor shall retain each completed disclosure required under § 1026.19(f)(1)(i)
      or (f)(4)(i), and all documents related to such disclosures, for five years after consummation,
      notwithstanding paragraph (c)(1)(ii)(B) of this section. (B) If a creditor sells, transfers, or
      otherwise disposes of its interest in a mortgage loan subject to § 1026.19(f) and does not service
      the mortgage loan, the creditor shall provide a copy of the disclosures required under § 1026.19(f)(1)(i)
      or (f)(4)(i) to the owner or servicer of the mortgage as a part of the transfer of the loan file.
      Such owner or servicer shall retain such disclosures for the remainder of the five-year period described
      under paragraph (c)(1)(ii)(A) of this section. (C) The Bureau shall have the right to require provision
      of copies of records related to the disclosures required under § 1026.19(f)(1)(i) and (f) (4)(i).
      (2) Records related to requirements for loan originator compensation. Notwithstanding paragraph
      (a) of this section, for transactions subject to § 1026.36:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot de95f88a70a9054e; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.25-i
  canonical_id: reg-z-1026.25-i
  section: 12 CFR §1026.25 — Record retention
  description: '(i): (i) A creditor shall maintain records sufficient to evidence all compensation it
    pays to a loan originator, as defined in § 1026.36(a)(1) , and the compensation agreement that governs
    those payments for three years after the date of payment. (ii) A loan originator organization, as
    defined in § 1026.…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.25(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.25
    snapshot_id: de95f88a70a9054e
    fetched_at: '2026-05-24T19:34:09Z'
    content_hash: sha256:647dc5eb01754446376ad833fb1735f5a96e4664d14d9184eaa517f0a02d7124
    paragraph_quote: (i) A creditor shall maintain records sufficient to evidence all compensation it
      pays to a loan originator, as defined in § 1026.36(a)(1) , and the compensation agreement that governs
      those payments for three years after the date of payment. (ii) A loan originator organization, as
      defined in § 1026.36(a)(1)(iii) , shall maintain records sufficient to evidence all compensation
      it receives from a creditor, a consumer , or another person; all compensation it pays to any individual
      loan originator, as defined in § 1026.36(a)(1)(ii) ; and the compensation agreement that governs
      each such receipt or payment, for three years after the date of each such receipt or payment. (3)
      Records related to minimum standards for transactions secured by a dwelling. Notwithstanding paragraph
      (a) of this section, a creditor shall retain evidence of compliance with § 1026.43 of this regulation
      for three years after consummation of a transaction covered by that section. [ 76 FR 79772 , Dec.
      22, 2011, as amended at 78 FR 6583 , Jan. 30, 2013; 78 FR 11410 , Feb. 15, 2013; 78 FR 60382 , Oct.
      1, 2013; 78 FR 80112 , Dec. 31, 2013; 82 FR 37769 , Aug. 11, 2017] CFR Toolbox Law about... Articles
      from Wex Table of Popular Names Parallel Table of Authorities Accessibility About LII Contact us
      Advertise here Help Terms of use Privacy
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot de95f88a70a9054e; body
      isolated between nav and notes; substring-verified.
  judgment: false
