Compliance
Trigger terms (Regulation Z)
Definition
Trigger terms are specific credit terms that, when used in a closed-end credit advertisement, require additional disclosures under Regulation Z (12 CFR 1026.24). Stating a down payment amount, the number of payments, a payment amount or a finance charge triggers disclosure of the down payment, repayment terms and APR.
Trigger terms (Regulation Z), explained
Mortgage marketers should have compliance review any page that states rates or payments — including calculator landing pages.
Source: CFPB — Regulation Z advertising rules (12 CFR 1026.24)
Related terms
- Annual percentage rate (APR)The annual percentage rate (APR) expresses the yearly cost of a loan including the interest rate plus certain finance charges such as points and some lender fees.
- TCPA consentTCPA consent is a consumer’s agreement, under the Telephone Consumer Protection Act, to receive calls or texts made with automated systems or prerecorded voices.
FAQ
Trigger terms (Regulation Z): quick questions
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Q.01What is trigger terms (regulation z)?
Trigger terms are specific credit terms that, when used in a closed-end credit advertisement, require additional disclosures under Regulation Z (12 CFR 1026.24). Stating a down payment amount, the number of payments, a payment amount or a finance charge triggers disclosure of the down payment, repayment terms and APR.
Q.02Does a calculator result count as advertising a trigger term?
Calculator output is generated from the visitor’s own inputs, but the page copy around it is advertising. Have compliance review headlines and examples that state payments or terms.
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