source:
  type: regulation
  id: reg-x-1024.6
  authority: 12 CFR §1024.6 — Special information booklet at time of loan application
  description: 'Regulation X §1024.6 implements RESPA §2604(d). It requires [LENDER]

    (or, if a mortgage broker is involved, the mortgage broker) to deliver

    or mail the CFPB-prescribed Special Information Booklet ("Your Home

    Loan Toolkit") to every applicant for a federally related mortgage loan

    not later than three business days after the application is received

    or prepared, unless the lender denies the application before the end

    of that 3-business-day period. For HELOC applications, delivery of the

    Bureau''s "When Your Home is On the Line" brochure (or its successor)

    is deemed compliant. Refinancings, closed-end subordinate-lien loans,

    reverse mortgages, and federally related mortgage loans whose purpose

    is not the purchase of a 1-to-4-family residential property are

    exempt. The section also prohibits unauthorized changes to, deletions

    from, or additions to the booklet and constrains how the booklet may

    be reproduced.

    '
obligations:
- id: reg-x-1024.6-a
  canonical_id: reg-x-1024.6-a
  section: 12 CFR §1024.6 — Special information boo
  description: '(a): (a) Lender to provide special information booklet. Subject to the exceptions set
    forth in this paragraph, the lender shall provide a copy of the special information booklet to a person
    from whom the lender receives, or for whom the lender prepares, a written application for a federally
    related mortg…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.6(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.6
    snapshot_id: 8195f456af4b5dbe
    fetched_at: '2026-05-24T19:33:54Z'
    content_hash: sha256:cbe8aef7d1d60f7adb480599d2ec9bc19348f9d1c8fa1e3913dd954cd710ade0
    paragraph_quote: '(a) Lender to provide special information booklet. Subject to the exceptions set
      forth in this paragraph, the lender shall provide a copy of the special information booklet to a
      person from whom the lender receives, or for whom the lender prepares, a written application for
      a federally related mortgage loan . When two or more persons apply together for a loan, the lender
      is in compliance if the lender provides a copy of the booklet to one of the persons applying. (1)
      The lender shall provide the special information booklet by delivering it or placing it in the mail
      to the applicant not later than three business days (as that term is defined in § 1024.2 ) after
      the application is received or prepared. However, if the lender denies the borrower''s application
      for credit before the end of the three-business-day period, then the lender need not provide the
      booklet to the borrower. If a borrower uses a mortgage broker , the mortgage broker shall distribute
      the special information booklet and the lender need not do so. The intent of this provision is that
      the applicant receive the special information booklet at the earliest possible date. (2) In the
      case of a federally related mortgage loan involving an open-ended credit plan, as defined in Regulation
      Z , 12 CFR 1026.2 (a)(20), a lender or mortgage broker that provides the borrower with a copy of
      the brochure entitled “When Your Home is On the Line: What You Should Know About Home Equity Lines
      of Credit”, or any successor brochure issued by the Bureau , is deemed to be in compliance with
      this section. (3) In the categories of transactions set forth at the end of this paragraph, the
      lender or mortgage broker does not have to provide the booklet to the borrower. Under the authority
      of section 19(a) of RESPA ( 12 U.S.C. 2617(a) ), the Bureau may issue a revised or separate special
      information booklet that deals with these transactions, or the Bureau may choose to endorse the
      forms or booklets of other Federal agencies. In such an event, the requirements for delivery by
      lenders and the availability of the booklet or alternate materials for these transactions will be
      set forth in a Notice in the Federal Register. This paragraph shall apply to the following transactions:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 8195f456af4b5dbe; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.6-i
  canonical_id: reg-x-1024.6-i
  section: 12 CFR §1024.6 — Special information boo
  description: '(i): (i) Refinancing transactions; (ii) Closed-end loans, as defined in 12 CFR 1026.2
    (a)(10) of Regulation Z , when the lender takes a subordinate lien; (iii) Reverse mortgages; and (iv)
    Any other federally related mortgage loan whose purpose is not the purchase of a 1- to 4-family residential
    property.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.6(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.6
    snapshot_id: 8195f456af4b5dbe
    fetched_at: '2026-05-24T19:33:54Z'
    content_hash: sha256:cbe8aef7d1d60f7adb480599d2ec9bc19348f9d1c8fa1e3913dd954cd710ade0
    paragraph_quote: (i) Refinancing transactions; (ii) Closed-end loans, as defined in 12 CFR 1026.2
      (a)(10) of Regulation Z , when the lender takes a subordinate lien; (iii) Reverse mortgages; and
      (iv) Any other federally related mortgage loan whose purpose is not the purchase of a 1- to 4-family
      residential property.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 8195f456af4b5dbe; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.6-b
  canonical_id: reg-x-1024.6-b
  section: 12 CFR §1024.6 — Special information boo
  description: '(b): (b) Revision. The Bureau may from time to time revise the special information booklet
    , publishing a notice in the Federal Register.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.6(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.6
    snapshot_id: 8195f456af4b5dbe
    fetched_at: '2026-05-24T19:33:54Z'
    content_hash: sha256:cbe8aef7d1d60f7adb480599d2ec9bc19348f9d1c8fa1e3913dd954cd710ade0
    paragraph_quote: (b) Revision. The Bureau may from time to time revise the special information booklet
      , publishing a notice in the Federal Register.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 8195f456af4b5dbe; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.6-c
  canonical_id: reg-x-1024.6-c
  section: 12 CFR §1024.6 — Special information boo
  description: '(c): (c) Reproduction. The special information booklet may be reproduced in any form,
    provided that no change is made other than as provided under paragraph (d) of this section. The special
    information booklet may not be made a part of a larger document for purposes of distribution under
    RESPA and this s…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.6(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.6
    snapshot_id: 8195f456af4b5dbe
    fetched_at: '2026-05-24T19:33:54Z'
    content_hash: sha256:cbe8aef7d1d60f7adb480599d2ec9bc19348f9d1c8fa1e3913dd954cd710ade0
    paragraph_quote: (c) Reproduction. The special information booklet may be reproduced in any form,
      provided that no change is made other than as provided under paragraph (d) of this section. The
      special information booklet may not be made a part of a larger document for purposes of distribution
      under RESPA and this section. Any color, size and quality of paper, type of print, and method of
      reproduction may be used so long as the booklet is clearly legible.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 8195f456af4b5dbe; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-x-1024.6-d
  canonical_id: reg-x-1024.6-d
  section: 12 CFR §1024.6 — Special information boo
  description: '(d): (d) Permissible changes. (1) No changes to, deletions from, or additions to the special
    information booklet currently prescribed by the Bureau shall be made other than the permissible changes
    specified in paragraphs (d)(2) and (3) of this section or changes as otherwise approved in writing
    by the Bu…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1024.6(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1024/section-1024.6
    snapshot_id: 8195f456af4b5dbe
    fetched_at: '2026-05-24T19:33:54Z'
    content_hash: sha256:cbe8aef7d1d60f7adb480599d2ec9bc19348f9d1c8fa1e3913dd954cd710ade0
    paragraph_quote: (d) Permissible changes. (1) No changes to, deletions from, or additions to the special
      information booklet currently prescribed by the Bureau shall be made other than the permissible
      changes specified in paragraphs (d)(2) and (3) of this section or changes as otherwise approved
      in writing by the Bureau in accordance with the procedures described in this paragraph (d). A request
      to the Bureau for approval of any changes other than the permissible changes specified in paragraphs
      (d)(2) and (3) of this section shall be submitted in writing to the address indicated in the definition
      of Public Guidance Documents in § 1024.2 , stating the reasons why the applicant believes such changes,
      deletions, or additions are necessary. (2) The cover of the booklet may be in any form and may contain
      any drawings, pictures, or artwork, provided that the words “settlement costs” are used in the title.
      Names, addresses and telephone numbers of the lender or others and similar information may appear
      on the cover, but no discussion of the matters covered in the booklet shall appear on the cover.
      (3) The special information booklet may be translated into languages other than English. [ 76 FR
      78981 , Dec. 20, 2011, as amended at 81 FR 72370 , Oct. 19, 2016] 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 8195f456af4b5dbe; body
      isolated between nav and notes; substring-verified.
  judgment: false
