public-service · regulation z cfr location
Regulation Z: Finding the Official CFPB Record
Regulation Z is the CFPB's own name for 12 CFR Part 1026. Here is where that letter name appears in the actual federal record.
In this article
Updated: Sources: 2
Start here
What matters now
- Regulation Z is the CFPB's name for 12 CFR Part 1026, whose own title pairs it with "Truth in Lending."
- The eCFR's own heading for Part 1026 pairs the name Regulation Z with Truth in Lending.
- Readers can go directly to eCFR Title 12, Part 1026 to read the full text of Regulation Z.
- The CFPB's public regulations listing page shows it was last modified in May 2022.
Regulation Z is Title 12 of the Code of Federal Regulations, Part 1026, published in the Electronic Code of Federal Regulations (eCFR). When a lender, a disclosure form, or a news article refers to “Regulation Z,” it is pointing to that one specific, codified federal record. That part’s own official title reads “Part 1026—Truth in Lending (Regulation Z)” (eCFR Title 12, Part 1026), so the letter name is printed inside the part’s own title in the government’s published record.
This original record-reading guide is a general reading aid, not cited evidence. It does not depict a source record; the article text and source links provide the facts.
Key points
- “Regulation Z” is the parenthetical name inside the eCFR’s own title for Part 1026, paired directly with “Truth in Lending” (eCFR Title 12, Part 1026).
- The full text of the rule is at that same eCFR page for Title 12, Part 1026.
- The CFPB’s public regulations listing page notes it was last modified May 26, 2022 (CFPB regulations listing).
Where the Name Comes From
The eCFR record’s own heading for one specific part names it alongside “Regulation Z” — the same pairing quoted above. Because that name sits inside the part’s own official title, the correspondence between the letter “Z” and Part 1026 is something the record states about itself (eCFR Title 12, Part 1026).
How to open the record
To find Regulation Z as a reader, go to the eCFR page for Title 12, Part 1026 — that page is the codified record the letter name refers to. This article identifies that record and where to find it; it does not explain what Regulation Z requires for any specific loan, disclosure, or transaction, since applying its requirements to a particular case is a separate question from identifying the record itself. The CFPB also keeps a public regulations page that lists its rules, including this one; that page’s own site footer carries the timestamp “Page last modified May 26, 2022 @ 09:31 AM EDT,” which shows when the CFPB itself last touched that listing page.