source:
  type: regulation
  id: reg-z-1026.24
  authority: 12 CFR §1026.24 — Advertising (closed-end credit)
  description: 'Regulation Z §1026.24 governs advertising of closed-end consumer

    credit. Core operative duties on [LENDER]: (a) state only credit

    terms that are actually arranged or offered; (b) make required

    disclosures clearly and conspicuously; (c) state any advertised

    finance-charge rate as an "annual percentage rate" using that term

    (and disclose any post-consummation rate-increase fact); (d) where

    any "triggering term" (downpayment amount/percent, number of

    payments/period of repayment, payment amount, or finance-charge

    amount) appears, also disclose the (d)(2) "additional terms"

    (downpayment, terms of repayment over full term including balloon,

    APR, and rate-increase fact). For credit secured by a dwelling, (f)

    layers a richer rate-and-payment disclosure regime (each simple-

    annual-rate period, full payment schedule, balloon disclosure,

    PITI-not-included warning on first liens). Subsection (g) supplies

    a TV/radio alternative. Subsection (h) governs tax-implication

    statements when credit may exceed the dwelling''s FMV. Subsection

    (i) sets seven prohibited acts/practices in dwelling-secured-credit

    advertising: (1) misleading "fixed" rate/payment claims, (2)

    misleading rate or payment comparisons, (3) misrepresentations

    about government endorsement, (4) misleading use of consumer''s

    current lender''s name, (5) misleading debt-elimination claims,

    (6) misleading use of "counselor", and (7) misleading foreign-

    language advertisements that mix English and non-English trigger

    terms / disclosures. This is the MAP-rule companion at the

    regulatory layer — the CFPB Advertising rule is a load-bearing

    UDAAP exposure for any lender doing direct-to-consumer marketing.

    '
obligations:
- id: reg-z-1026.24-a
  canonical_id: reg-z-1026.24-a
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(a): (a) Actually available terms. If an advertisement for credit states specific credit
    terms, it shall state only those terms that actually are or will be arranged or offered by the creditor.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: (a) Actually available terms. If an advertisement for credit states specific credit
      terms, it shall state only those terms that actually are or will be arranged or offered by the creditor.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-b
  canonical_id: reg-z-1026.24-b
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(b): (b) Clear and conspicuous standard. Disclosures required by this section shall be
    made clearly and conspicuously.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: (b) Clear and conspicuous standard. Disclosures required by this section shall be
      made clearly and conspicuously.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-c
  canonical_id: reg-z-1026.24-c
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(c): (c) Advertisement of rate of finance charge. If an advertisement states a rate of
    finance charge, it shall state the rate as an “annual percentage rate,” using that term. If the annual
    percentage rate may be increased after consummation, the advertisement shall state that fact. If an
    advertisement i…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: (c) Advertisement of rate of finance charge. If an advertisement states a rate of
      finance charge, it shall state the rate as an “annual percentage rate,” using that term. If the
      annual percentage rate may be increased after consummation, the advertisement shall state that fact.
      If an advertisement is for credit not secured by a dwelling , the advertisement shall not state
      any other rate, except that a simple annual rate or periodic rate that is applied to an unpaid balance
      may be stated in conjunction with, but not more conspicuously than, the annual percentage rate.
      If an advertisement is for credit secured by a dwelling , the advertisement shall not state any
      other rate, except that a simple annual rate that is applied to an unpaid balance may be stated
      in conjunction with, but not more conspicuously than, the annual percentage rate.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-d
  canonical_id: reg-z-1026.24-d
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(d): (d) Advertisement of terms that require additional disclosures —(1) Triggering terms.
    If any of the following terms is set forth in an advertisement, the advertisement shall meet the requirements
    of paragraph (d)(2) of this section:'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: '(d) Advertisement of terms that require additional disclosures —(1) Triggering terms.
      If any of the following terms is set forth in an advertisement, the advertisement shall meet the
      requirements of paragraph (d)(2) of this section:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-i
  canonical_id: reg-z-1026.24-i
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(i): (i) The amount or percentage of any downpayment . (ii) The number of payments or
    period of repayment. (iii) The amount of any payment. (iv) The amount of any finance charge. (2) Additional
    terms. An advertisement stating any of the terms in paragraph (d)(1) of this section shall state the
    following …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: '(i) The amount or percentage of any downpayment . (ii) The number of payments or
      period of repayment. (iii) The amount of any payment. (iv) The amount of any finance charge. (2)
      Additional terms. An advertisement stating any of the terms in paragraph (d)(1) of this section
      shall state the following terms, as applicable (an example of one or more typical extensions of
      credit with a statement of all the terms applicable to each may be used):'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-i
  canonical_id: reg-z-1026.24-i
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(i): (i) The amount or percentage of the downpayment . (ii) The terms of repayment, which
    reflect the repayment obligations over the full term of the loan, including any balloon payment. (iii)
    The “annual percentage rate,” using that term, and, if the rate may be increased after consummation,
    that fact.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: (i) The amount or percentage of the downpayment . (ii) The terms of repayment, which
      reflect the repayment obligations over the full term of the loan, including any balloon payment.
      (iii) The “annual percentage rate,” using that term, and, if the rate may be increased after consummation,
      that fact.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-e
  canonical_id: reg-z-1026.24-e
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(e): (e) Catalogs or other multiple-page advertisements; electronic advertisements. (1)
    If a catalog or other multiple-page advertisement, or an electronic advertisement (such as an advertisement
    appearing on an Internet Web site), gives information in a table or schedule in sufficient detail
    to permit d…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: '(e) Catalogs or other multiple-page advertisements; electronic advertisements. (1)
      If a catalog or other multiple-page advertisement, or an electronic advertisement (such as an advertisement
      appearing on an Internet Web site), gives information in a table or schedule in sufficient detail
      to permit determination of the disclosures required by paragraph (d)(2) of this section, it shall
      be considered a single advertisement if:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-i
  canonical_id: reg-z-1026.24-i
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(i): (i) The table or schedule is clearly and conspicuously set forth; and (ii) Any statement
    of the credit terms in paragraph (d)(1) of this section appearing anywhere else in the catalog or
    advertisement clearly refers to the page or location where the table or schedule begins. (2) A catalog
    or other m…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: (i) The table or schedule is clearly and conspicuously set forth; and (ii) Any statement
      of the credit terms in paragraph (d)(1) of this section appearing anywhere else in the catalog or
      advertisement clearly refers to the page or location where the table or schedule begins. (2) A catalog
      or other multiple-page advertisement or an electronic advertisement (such as an advertisement appearing
      on an Internet Web site) complies with paragraph (d)(2) of this section if the table or schedule
      of terms includes all appropriate disclosures for a representative scale of amounts up to the level
      of the more commonly sold higher-priced property or services offered.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-f
  canonical_id: reg-z-1026.24-f
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(f): (f) Disclosure of rates and payments in advertisements for credit secured by a dwelling
    —(1) Scope. The requirements of this paragraph apply to any advertisement for credit secured by a
    dwelling , other than television or radio advertisements, including promotional materials accompanying
    application…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: '(f) Disclosure of rates and payments in advertisements for credit secured by a dwelling
      —(1) Scope. The requirements of this paragraph apply to any advertisement for credit secured by
      a dwelling , other than television or radio advertisements, including promotional materials accompanying
      applications. (2) Disclosure of rates —(i) In general. If an advertisement for credit secured by
      a dwelling states a simple annual rate of interest and more than one simple annual rate of interest
      will apply over the term of the advertised loan, the advertisement shall disclose in a clear and
      conspicuous manner: (A) Each simple annual rate of interest that will apply. In variable-rate transactions,
      a rate determined by adding an index and margin shall be disclosed based on a reasonably current
      index and margin; (B) The period of time during which each simple annual rate of interest will apply;
      and (C) The annual percentage rate for the loan. If such rate is variable, the annual percentage
      rate shall comply with the accuracy standards in §§ 1026.17(c) and 1026.22. (ii) Clear and conspicuous
      requirement. For purposes of paragraph (f)(2)(i) of this section, clearly and conspicuously disclosed
      means that the required information in paragraphs (f)(2)(i)(A) through (C) shall be disclosed with
      equal prominence and in close proximity to any advertised rate that triggered the required disclosures.
      The required information in paragraph (f)(2)(i)(C) may be disclosed with greater prominence than
      the other information. (3) Disclosure of payments —(i) In general. In addition to the requirements
      of paragraph (c) of this section, if an advertisement for credit secured by a dwelling states the
      amount of any payment, the advertisement shall disclose in a clear and conspicuous manner: (A) The
      amount of each payment that will apply over the term of the loan, including any balloon payment.
      In variable-rate transactions, payments that will be determined based on the application of the
      sum of an index and margin shall be disclosed based on a reasonably current index and margin; (B)
      The period of time during which each payment will apply; and (C) In an advertisement for credit
      secured by a first lien on a dwelling , the fact that the payments do not include amounts for taxes
      and insurance premiums, if applicable, and that the actual payment obligation will be greater. (ii)
      Clear and conspicuous requirement. For purposes of paragraph (f)(3)(i) of this section, a clear
      and conspicuous disclosure means that the required information in paragraphs (f)(3)(i)(A) and (B)
      shall be disclosed with equal prominence and in close proximity to any advertised payment that triggered
      the required disclosures, and that the required information in paragraph (f)(3)(i)(C) shall be disclosed
      with prominence and in close proximity to the advertised payments. (4) Envelope excluded. The requirements
      in paragraphs (f)(2) and (f)(3) of this section do not apply to an envelope in which an application
      or solicitation is mailed, or to a banner advertisement or pop-up advertisement linked to an application
      or solicitation provided electronically.'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-g
  canonical_id: reg-z-1026.24-g
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(g): (g) Alternative disclosures—television or radio advertisements. An advertisement
    made through television or radio stating any of the terms requiring additional disclosures under paragraph
    (d)(2) of this section may comply with paragraph (d)(2) of this section either by: (1) Stating clearly
    and consp…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: '(g) Alternative disclosures—television or radio advertisements. An advertisement
      made through television or radio stating any of the terms requiring additional disclosures under
      paragraph (d)(2) of this section may comply with paragraph (d)(2) of this section either by: (1)
      Stating clearly and conspicuously each of the additional disclosures required under paragraph (d)(2)
      of this section; or (2) Stating clearly and conspicuously the information required by paragraph
      (d)(2)(iii) of this section and listing a toll-free telephone number, or any telephone number that
      allows a consumer to reverse the phone charges when calling for information, along with a reference
      that such number may be used by consumers to obtain additional cost information.'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-h
  canonical_id: reg-z-1026.24-h
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(h): (h) Tax implications. If an advertisement distributed in paper form or through the
    Internet (rather than by radio or television) is for a loan secured by the consumer ''s principal
    dwelling , and the advertisement states that the advertised extension of credit may exceed the fair
    market value of the …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: '(h) Tax implications. If an advertisement distributed in paper form or through the
      Internet (rather than by radio or television) is for a loan secured by the consumer ''s principal
      dwelling , and the advertisement states that the advertised extension of credit may exceed the fair
      market value of the dwelling , the advertisement shall clearly and conspicuously state that: (1)
      The interest on the portion of the credit extension that is greater than the fair market value of
      the dwelling is not tax deductible for Federal income tax purposes; and (2) The consumer should
      consult a tax adviser for further information regarding the deductibility of interest and charges.'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-i
  canonical_id: reg-z-1026.24-i
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(i): (i) Prohibited acts or practices in advertisements for credit secured by a dwelling.
    The following acts or practices are prohibited in advertisements for credit secured by a dwelling:
    (1) Misleading advertising of “fixed” rates and payments. Using the word “fixed” to refer to rates,
    payments, or the…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: '(i) Prohibited acts or practices in advertisements for credit secured by a dwelling.
      The following acts or practices are prohibited in advertisements for credit secured by a dwelling:
      (1) Misleading advertising of “fixed” rates and payments. Using the word “fixed” to refer to rates,
      payments, or the credit transaction in an advertisement for variable-rate transactions or other
      transactions where the payment will increase, unless:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-i
  canonical_id: reg-z-1026.24-i
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(i): (i) In the case of an advertisement solely for one or more variable-rate transactions,
    (A) The phrase “Adjustable-Rate Mortgage ,” “Variable-Rate Mortgage ,” or “ARM” appears in the advertisement
    before the first use of the word “fixed” and is at least as conspicuous as any use of the word “fixed”
    i…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: '(i) In the case of an advertisement solely for one or more variable-rate transactions,
      (A) The phrase “Adjustable-Rate Mortgage ,” “Variable-Rate Mortgage ,” or “ARM” appears in the advertisement
      before the first use of the word “fixed” and is at least as conspicuous as any use of the word “fixed”
      in the advertisement; and (B) Each use of the word “fixed” to refer to a rate or payment is accompanied
      by an equally prominent and closely proximate statement of the time period for which the rate or
      payment is fixed, and the fact that the rate may vary or the payment may increase after that period;
      (ii) In the case of an advertisement solely for non-variable-rate transactions where the payment
      will increase (e.g., a stepped-rate mortgage transaction with an initial lower payment), each use
      of the word “fixed” to refer to the payment is accompanied by an equally prominent and closely proximate
      statement of the time period for which the payment is fixed, and the fact that the payment will
      increase after that period; or (iii) In the case of an advertisement for both variable-rate transactions
      and non-variable-rate transactions, (A) The phrase “Adjustable-Rate Mortgage ,” “Variable-Rate Mortgage
      ,” or “ARM” appears in the advertisement with equal prominence as any use of the term “fixed,” “Fixed-Rate
      Mortgage ,” or similar terms; and (B) Each use of the word “fixed” to refer to a rate, payment,
      or the credit transaction either refers solely to the transactions for which rates are fixed and
      complies with paragraph (i)(1)(ii) of this section, if applicable, or, if it refers to the variable-rate
      transactions, is accompanied by an equally prominent and closely proximate statement of the time
      period for which the rate or payment is fixed, and the fact that the rate may vary or the payment
      may increase after that period. (2) Misleading comparisons in advertisements. Making any comparison
      in an advertisement between actual or hypothetical credit payments or rates and any payment or simple
      annual rate that will be available under the advertised product for a period less than the full
      term of the loan, unless:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-i
  canonical_id: reg-z-1026.24-i
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(i): (i) In general. The advertisement includes a clear and conspicuous comparison to
    the information required to be disclosed under § 1026.24(f)(2) and (3) ; and (ii) Application to variable-rate
    transactions. If the advertisement is for a variable-rate transaction, and the advertised payment
    or simple …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: '(i) In general. The advertisement includes a clear and conspicuous comparison to
      the information required to be disclosed under § 1026.24(f)(2) and (3) ; and (ii) Application to
      variable-rate transactions. If the advertisement is for a variable-rate transaction, and the advertised
      payment or simple annual rate is based on the index and margin that will be used to make subsequent
      rate or payment adjustments over the term of the loan, the advertisement includes an equally prominent
      statement in close proximity to the payment or rate that the payment or rate is subject to adjustment
      and the time period when the first adjustment will occur. (3) Misrepresentations about government
      endorsement. Making any statement in an advertisement that the product offered is a “government
      loan program”, “government-supported loan”, or is otherwise endorsed or sponsored by any Federal,
      state, or local government entity, unless the advertisement is for an FHA loan, VA loan, or similar
      loan program that is, in fact, endorsed or sponsored by a Federal, state, or local government entity.
      (4) Misleading use of the current lender''s name. Using the name of the consumer ''s current lender
      in an advertisement that is not sent by or on behalf of the consumer ''s current lender, unless
      the advertisement:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-z-1026.24-i
  canonical_id: reg-z-1026.24-i
  section: 12 CFR §1026.24 — Advertising (closed-en
  description: '(i): (i) Discloses with equal prominence the name of the person or creditor making the
    advertisement; and (ii) Includes a clear and conspicuous statement that the person making the advertisement
    is not associated with, or acting on behalf of, the consumer ''s current lender. (5) Misleading claims
    of debt …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1026.24(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1026/section-1026.24
    snapshot_id: e0cbe770c7ff4cec
    fetched_at: '2026-05-24T19:34:08Z'
    content_hash: sha256:f5ef7bc86f218f224f2862543730aa53d7b2d58a6a49bd72105779fb6aad193f
    paragraph_quote: (i) Discloses with equal prominence the name of the person or creditor making the
      advertisement; and (ii) Includes a clear and conspicuous statement that the person making the advertisement
      is not associated with, or acting on behalf of, the consumer 's current lender. (5) Misleading claims
      of debt elimination. Making any misleading claim in an advertisement that the mortgage product offered
      will eliminate debt or result in a waiver or forgiveness of a consumer 's existing loan terms with,
      or obligations to, another creditor. (6) Misleading use of the term “counselor”. Using the term
      “counselor” in an advertisement to refer to a for-profit mortgage broker or mortgage creditor, its
      employees, or persons working for the broker or creditor that are involved in offering, originating
      or selling mortgages. (7) Misleading foreign-language advertisements. Providing information about
      some trigger terms or required disclosures, such as an initial rate or payment, only in a foreign
      language in an advertisement, but providing information about other trigger terms or required disclosures,
      such as information about the fully-indexed rate or fully amortizing payment, only in English in
      the same advertisement. 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 e0cbe770c7ff4cec; body
      isolated between nav and notes; substring-verified.
  judgment: false
