Loan Originator Compensation Rule
12 CFR § 1026.36
Regulation Z's loan-originator rule for closed-end consumer credit secured by a dwelling. It prohibits compensating a loan originator based on a transaction's terms (other than the amount of credit extended), bars dual compensation where a consumer-paid originator also receives compensation from any other person, prohibits steering consumers to loans that increase originator compensation unless in the consumer's interest, and imposes loan-originator qualification requirements (SAFE Act licensing/registration, background checks), NMLSR unique-identifier identification on loan documents, and written policies/recordkeeping requirements for depository institutions.
Who must comply
Other CFPB regulations
Valuation Independence (Reg Z)
12 CFR § 1026.42
ECOA / Regulation B (12 CFR 1002)
12 CFR Part 1002
ECOA / Regulation B
12 CFR Part 1002 (Regulation B)
HMDA / Reg C
12 CFR Part 1003
FDCPA / Regulation F
12 CFR Part 1006 (Regulation F)
SAFE Act Federal MLO Registration / Reg G
12 CFR Part 1007 (Regulation G)
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