# Regulation Z; Truth in Lending
> **US Federal Reserve System** · Interim rule; request for public comment. · Published 2010-09-24 · Effective 2010-10-25 · 75 FR 58470
## Document
- **Document number:** 2010-20663
- **Category:** other
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 75 FR 58470
- **CFR reference:** 12 CFR 226
- **Publication date:** 2010-09-24
- **Effective date:** 2010-10-25
- **Docket:** Docket No. R-1366
## Abstract

The Board is publishing for comment an interim rule amending Regulation Z, which implements the Truth in Lending Act (TILA). The interim rule implements certain requirements of the Mortgage Disclosure Improvement Act of 2008, which amended TILA. The amendments and this interim rule require creditors extending consumer credit secured by real property or a dwelling to disclose certain summary information about interest rates and payment changes, in a tabular format, as well as a statement that consumers are not guaranteed to be able to refinance their transactions in the future. The interest rate and payment summary tables replace the payment schedule previously required as part of the TILA disclosure for mortgage transactions. Disclosures for non-mortgage, closed-end consumer credit will continue to include the current payment schedule.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2010/09/24/2010-20663/regulation-z-truth-in-lending)
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