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ecfr-title-12

reference corpus · status live · category STD (Standards, specs & regulations) · lane A · refresh pinned

What an agent uses it for

an agent answering consumer-credit or mortgage questions queries this for what Regulation Z / TILA actually says — higher-priced APR triggers, ability-to-repay/QM, rescission windows, card late-fee safe harbors (demand: consumer-finance Ask-HN volume 71)

Use it
xerj corpus add --from https://raw.githubusercontent.com/xerj-org/xerj/corpus-hub/tools/xerj-code/hub/ecfr-title-12.json
xerj corpus index ecfr-title-12 → xerj code ecfr-title-12 "your question"

Sources & pins

sourcepinlicencesizereview note
ecfr-title-12 4dc0246c43be…LicenseRef-PublicDomain-USGov 24.4 MB / 7,309 files G4 at source: CFR text is a US government work (17 U.S.C. 105); GPO bulk data unrestricted. Mirror = pinned snapshot via hub/nonit/split_ecfr.py from govinfo ECFR-title12.xml (AMDDATE Sept. 14, 2026); Reg Z (part 1026) intact per-section. | profiler evidence: PROFILER 2026-10-02 nonit-lane — files=7308, max file <4MB

24.4 MB across 7,309 files · added 2026-10-02

Rights

LicenseRef-PublicDomain-USGov — redistribution permitted with attribution per the licence review . The review block records a human opening each licence file at the pin; detector output is a hint, never the verdict.

Retrieval spot-check (G7)

median 5.0/5 relevant — 2026-10-02T22:05:00Z

Q: How far above the average prime offer rate makes a first-lien mortgage higher-priced under Regulation Z?
expect: 12 CFR 1026.35(a)(1): 1.5 percentage points first-lien (3.5 for first-lien jumbo)
top-5: part-226/sec-226.35 · part-1026/sec-1026.35 · part-1003/sec-1003.4 · part-34/sec-34.201 · part-1026/sec-1026.32
grade: relevant
Q: How long does the rescission right last when the required notices were never delivered?
expect: 12 CFR 1026.23(a)(3): three years after consummation (or sale), forever if never disclosed
top-5: part-1026/sec-1026.15 · part-1026/sec-1026.23 · part-226/sec-226.23 · part-226/sec-226.15 · part-226/sec-1026.15
grade: relevant
Q: Which factors must a creditor verify for ability to repay a Qualified Mortgage?
expect: 12 CFR 1026.43(c): income/assets, employment, monthly mortgage payments, alimony, debts, DTI/r residual income, credit history
top-5: part-226/sec-226.34 · part-1026/sec-1026.34 · part-1026/sec-1026.43 · part-226/sec-226.34 · part-1022/sec-1022.30
grade: relevant
Q: What late-payment fee safe harbors apply to credit card accounts?
expect: 12 CFR 1026.52(b): safe-harbor dollar amounts, indexed annually
top-5: part-1026/sec-1026.11 · part-226/sec-226.11 · part-1026/sec-1026.52 · part-1026/sec-1026.51 · part-226/sec-226.9
grade: relevant
Q: When must a creditor establish an escrow account for a first-lien higher-priced mortgage?
expect: 12 CFR 1026.35(b)(1): escrow for taxes, insurance, assessments for HPMLs, with exemptions
top-5: part-226/sec-226.35 · part-1026/sec-1026.35 · part-1026/sec-1026.35 · part-1026/sec-1026.35 · part-1026/sec-1026.20
grade: relevant