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(13) For covered loans subject to the Home Ownership and Equity Protection Act of 1994, as implemented in Regulation Z, .32, whether the covered loan is a high-cost mortgage under Regulation Z, .32(a).

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(22) For covered loans or applications subject to Regulation Z, 12 CFR part 1026, other than reverse mortgages or purchased covered loans, the term in months of any prepayment penalty, as defined in Regulation Z, .32(b)(6)(i) or (ii), as applicable.

All reportable transactions shall be recorded, within thirty calendar days after the end of the calendar quarter in which final action is taken (such as origination or purchase of a loan, or denial or withdrawal of an application), on a register in the format prescribed in Appendix A of this part.

The data recorded shall include the following items:(1) An identifying number for the loan or loan application, and the date the application was received.(2) The type of loan or application.(3) The purpose of the loan or application.(4) Whether the application is a request for preapproval and whether it resulted in a denial or in an origination.(5) The property type to which the loan or application relates.(6) The owner-occupancy status of the property to which the loan or application relates.(7) The amount of the loan or the amount applied for.(8) The type of action taken, and the date.(9) The location of the property to which the loan or application relates, by MSA or by Metropolitan Division, by state, by county, and by census tract, if the institution has a home or branch office in that MSA or Metropolitan Division.(10) The ethnicity, race, and sex of the applicant or borrower, and the gross annual income relied on in processing the application.(11) The type of entity purchasing a loan that the institution originates or purchases and then sells within the same calendar year (this information need not be included in quarterly updates).(12)(i) For originated loans subject to Regulation Z, 12 CFR part 1026, the difference between the loan's annual percentage rate (APR) and the average prime offer rate for a comparable transaction as of the date the interest rate is set, if that difference is equal to or greater than 1.5 percentage points for loans secured by a first lien on a dwelling, or equal to or greater than 3.5 percentage points for loans secured by a subordinate lien on a dwelling.(ii) “Average prime offer rate” means an annual percentage rate that is derived from average interest rates, points, and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage loans that have low-risk pricing characteristics. A financial institution shall collect data regarding applications for covered loans that it receives, covered loans that it originates, and covered loans that it purchases for each calendar year.

(ii) “Average prime offer rate” means an annual percentage rate that is derived from average interest rates and other loan pricing terms currently offered to consumers by a set of creditors for mortgage loans that have low-risk pricing characteristics.

The Bureau publishes tables of average prime offer rates by transaction type at least weekly and also publishes the methodology it uses to derive these rates.

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