source:
  type: regulation
  id: reg-n-1014.3
  authority: 12 CFR §1014.3 — Prohibited representations (Regulation N / Mortgage Acts and Practices —
    Advertising Rule, CFPB)
  description: 'Regulation N §1014.3 is the core prohibition of the MAP Rule: it is a violation to make
    any material misrepresentation, expressly or by implication, in any commercial communication regarding
    any term of any mortgage credit product, and enumerates nineteen categories (a)–(s) of such misrepresentations.

    '
obligations:
- id: reg-n-1014.3-full
  canonical_id: reg-n-1014.3-full
  section: 12 CFR §1014.3
  description: '&#xA7; 1014.3 Prohibited representations. It is a violation of this part for any person
    to make any material misrepresentation, expressly or by implication, in any commercial communication,
    regarding any term of any mortgage credit product, including but not limited to misrepresentations
    about:'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: '&#xA7; 1014.3 Prohibited representations. It is a violation of this part for any
      person to make any material misrepresentation, expressly or by implication, in any commercial communication,
      regarding any term of any mortgage credit product, including but not limited to misrepresentations
      about:'
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-a
  canonical_id: reg-n-1014.3-a
  section: 12 CFR §1014.3(a)
  description: '(a): (a) The interest charged for the mortgage credit product, including but not limited
    to misrepresentations concerning: (1) The amount of interest that the consumer owes each month that
    is included in the consumer''s payments, loan amount, or total amount due, or (2) Whether the difference
    between the …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: '(a) The interest charged for the mortgage credit product, including but not limited
      to misrepresentations concerning: (1) The amount of interest that the consumer owes each month that
      is included in the consumer''s payments, loan amount, or total amount due, or (2) Whether the difference
      between the interest owed and the interest paid is added to the total amount due from the consumer;'
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-b
  canonical_id: reg-n-1014.3-b
  section: 12 CFR §1014.3(b)
  description: '(b): (b) The annual percentage rate, simple annual rate, periodic rate, or any other rate;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (b) The annual percentage rate, simple annual rate, periodic rate, or any other rate;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-c
  canonical_id: reg-n-1014.3-c
  section: 12 CFR §1014.3(c)
  description: '(c): (c) The existence, nature, or amount of fees or costs to the consumer associated
    with the mortgage credit product, including but not limited to misrepresentations that no fees are
    charged;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (c) The existence, nature, or amount of fees or costs to the consumer associated
      with the mortgage credit product, including but not limited to misrepresentations that no fees are
      charged;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-d
  canonical_id: reg-n-1014.3-d
  section: 12 CFR §1014.3(d)
  description: '(d): (d) The existence, cost, payment terms, or other terms associated with any additional
    product or feature that is or may be sold in conjunction with the mortgage credit product, including
    but not limited to credit insurance or credit disability insurance;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (d) The existence, cost, payment terms, or other terms associated with any additional
      product or feature that is or may be sold in conjunction with the mortgage credit product, including
      but not limited to credit insurance or credit disability insurance;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-e
  canonical_id: reg-n-1014.3-e
  section: 12 CFR §1014.3(e)
  description: '(e): (e) The terms, amounts, payments, or other requirements relating to taxes or insurance
    associated with the mortgage credit product, including but not limited to misrepresentations about:
    (1) Whether separate payment of taxes or insurance is required; or (2) The extent to which payment
    for taxes or i…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: '(e) The terms, amounts, payments, or other requirements relating to taxes or insurance
      associated with the mortgage credit product, including but not limited to misrepresentations about:
      (1) Whether separate payment of taxes or insurance is required; or (2) The extent to which payment
      for taxes or insurance is included in the loan payments, loan amount, or total amount due from the
      consumer;'
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-f
  canonical_id: reg-n-1014.3-f
  section: 12 CFR §1014.3(f)
  description: '(f): (f) Any prepayment penalty associated with the mortgage credit product, including
    but not limited to misrepresentations concerning the existence, nature, amount, or terms of such penalty;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (f) Any prepayment penalty associated with the mortgage credit product, including
      but not limited to misrepresentations concerning the existence, nature, amount, or terms of such
      penalty;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-g
  canonical_id: reg-n-1014.3-g
  section: 12 CFR §1014.3(g)
  description: '(g): (g) The variability of interest, payments, or other terms of the mortgage credit
    product, including but not limited to misrepresentations using the word &#x201C;fixed&#x201D;;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (g) The variability of interest, payments, or other terms of the mortgage credit
      product, including but not limited to misrepresentations using the word &#x201C;fixed&#x201D;;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-h
  canonical_id: reg-n-1014.3-h
  section: 12 CFR §1014.3(h)
  description: '(h): (h) Any comparison between: (1) Any rate or payment that will be available for a
    period less than the full length of the mortgage credit product; and (2) Any actual or hypothetical
    rate or payment;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: '(h) Any comparison between: (1) Any rate or payment that will be available for a
      period less than the full length of the mortgage credit product; and (2) Any actual or hypothetical
      rate or payment;'
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-i
  canonical_id: reg-n-1014.3-i
  section: 12 CFR §1014.3(i)
  description: '(i): (i) The type of mortgage credit product, including but not limited to misrepresentations
    that the product is or involves a fully amortizing mortgage;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (i) The type of mortgage credit product, including but not limited to misrepresentations
      that the product is or involves a fully amortizing mortgage;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-j
  canonical_id: reg-n-1014.3-j
  section: 12 CFR §1014.3(j)
  description: '(j): (j) The amount of the obligation, or the existence, nature, or amount of cash or
    credit available to the consumer in connection with the mortgage credit product, including but not
    limited to misrepresentations that the consumer will receive a certain amount of cash or credit as
    part of a mortgage cr…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (j) The amount of the obligation, or the existence, nature, or amount of cash or
      credit available to the consumer in connection with the mortgage credit product, including but not
      limited to misrepresentations that the consumer will receive a certain amount of cash or credit
      as part of a mortgage credit transaction;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-k
  canonical_id: reg-n-1014.3-k
  section: 12 CFR §1014.3(k)
  description: '(k): (k) The existence, number, amount, or timing of any minimum or required payments,
    including but not limited to misrepresentations about any payments or that no payments are required
    in a reverse mortgage or other mortgage credit product;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (k) The existence, number, amount, or timing of any minimum or required payments,
      including but not limited to misrepresentations about any payments or that no payments are required
      in a reverse mortgage or other mortgage credit product;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-l
  canonical_id: reg-n-1014.3-l
  section: 12 CFR §1014.3(l)
  description: '(l): (l) The potential for default under the mortgage credit product, including but not
    limited to misrepresentations concerning the circumstances under which the consumer could default
    for nonpayment of taxes, insurance, or maintenance, or for failure to meet other obligations;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (l) The potential for default under the mortgage credit product, including but not
      limited to misrepresentations concerning the circumstances under which the consumer could default
      for nonpayment of taxes, insurance, or maintenance, or for failure to meet other obligations;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-m
  canonical_id: reg-n-1014.3-m
  section: 12 CFR §1014.3(m)
  description: '(m): (m) The effectiveness of the mortgage credit product in helping the consumer resolve
    difficulties in paying debts, including but not limited to misrepresentations that any mortgage credit
    product can reduce, eliminate, or restructure debt or result in a waiver or forgiveness, in whole
    or in part, of…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (m) The effectiveness of the mortgage credit product in helping the consumer resolve
      difficulties in paying debts, including but not limited to misrepresentations that any mortgage
      credit product can reduce, eliminate, or restructure debt or result in a waiver or forgiveness,
      in whole or in part, of the consumer's existing obligation with any person;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-n
  canonical_id: reg-n-1014.3-n
  section: 12 CFR §1014.3(n)
  description: '(n): (n) The association of the mortgage credit product or any provider of such product
    with any other person or program, including but not limited to misrepresentations that: (1) The provider
    is, or is affiliated with, any governmental entity or other organization; or (2) The product is or
    relates to a …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: '(n) The association of the mortgage credit product or any provider of such product
      with any other person or program, including but not limited to misrepresentations that: (1) The
      provider is, or is affiliated with, any governmental entity or other organization; or (2) The product
      is or relates to a government benefit, or is endorsed, sponsored by, or affiliated with any government
      or other program, including but not limited to through the use of formats, symbols, or logos that
      resemble those of such entity, organization, or program;'
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-o
  canonical_id: reg-n-1014.3-o
  section: 12 CFR §1014.3(o)
  description: '(o): (o) The source of any commercial communication, including but not limited to misrepresentations
    that a commercial communication is made by or on behalf of the consumer''s current mortgage lender
    or servicer;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (o) The source of any commercial communication, including but not limited to misrepresentations
      that a commercial communication is made by or on behalf of the consumer's current mortgage lender
      or servicer;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-p
  canonical_id: reg-n-1014.3-p
  section: 12 CFR §1014.3(p)
  description: '(p): (p) The right of the consumer to reside in the dwelling that is the subject of the
    mortgage credit product, or the duration of such right, including but not limited to misrepresentations
    concerning how long or under what conditions a consumer with a reverse mortgage can stay in the dwelling;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (p) The right of the consumer to reside in the dwelling that is the subject of the
      mortgage credit product, or the duration of such right, including but not limited to misrepresentations
      concerning how long or under what conditions a consumer with a reverse mortgage can stay in the
      dwelling;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-q
  canonical_id: reg-n-1014.3-q
  section: 12 CFR §1014.3(q)
  description: '(q): (q) The consumer''s ability or likelihood to obtain any mortgage credit product or
    term, including but not limited to misrepresentations concerning whether the consumer has been preapproved
    or guaranteed for any such product or term;'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (q) The consumer's ability or likelihood to obtain any mortgage credit product or
      term, including but not limited to misrepresentations concerning whether the consumer has been preapproved
      or guaranteed for any such product or term;
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-r
  canonical_id: reg-n-1014.3-r
  section: 12 CFR §1014.3(r)
  description: '(r): (r) The consumer''s ability or likelihood to obtain a refinancing or modification
    of any mortgage credit product or term, including but not limited to misrepresentations concerning
    whether the consumer has been preapproved or guaranteed for any such refinancing or modification;
    and'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (r) The consumer's ability or likelihood to obtain a refinancing or modification
      of any mortgage credit product or term, including but not limited to misrepresentations concerning
      whether the consumer has been preapproved or guaranteed for any such refinancing or modification;
      and
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
- id: reg-n-1014.3-s
  canonical_id: reg-n-1014.3-s
  section: 12 CFR §1014.3(s)
  description: '(s): (s) The availability, nature, or substance of counseling services or any other expert
    advice offered to the consumer regarding any mortgage credit product or term, including but not limited
    to the qualifications of those offering the services or advice.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - ecfr-xml
  primary_source:
    tier: 1
    authority: 12 CFR Part 1014 — Regulation N / MAP Rule (Mortgage Acts and Practices, CFPB) § 1014.3
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/subchapter-B/part-1014
    snapshot_id: 418ac7f43f6eea48
    fetched_at: '2026-05-27T16:43:20+00:00'
    content_hash: sha256:3b9c01cde490bf2cfb5bfb10c835fd26b53792322c7dc27a49a374d541ccbf6f
    paragraph_quote: (s) The availability, nature, or substance of counseling services or any other expert
      advice offered to the consumer regarding any mortgage credit product or term, including but not
      limited to the qualifications of those offering the services or advice.
    drafter_attestation: Verbatim subsection of CFR §1014.3 from eCFR snapshot 418ac7f43f6eea48; section-bounded
      by § markers; substring-verified.
  judgment: false
