12 CFR § 226.25 - Record retention.

---
identifier: "/us/cfr/t12/s226.25"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 226.25 - Record retention."
title_number: 12
title_name: "Banks and Banking"
section_number: "226.25"
section_name: "Record retention."
chapter_name: "FEDERAL RESERVE SYSTEM"
subchapter_number: "A"
subchapter_name: "BOARD OF GOVERNORS OF THE FEDERAL RESERVE SYSTEM"
part_number: "226"
part_name: "TRUTH IN LENDING (REGULATION Z)"
positive_law: false
currency: "2026-04-05"
last_updated: "2026-04-05"
format_version: "1.1.0"
generator: "[email protected]"
authority: "12 U.S.C. 3806; 15 U.S.C. 1604, 1637(c)(5), 1639(l), and 1639h; Pub. L. 111-24, section 2, 123 Stat. 1734; Pub. L. 111-203, 124 Stat. 1376."
regulatory_source: "Reg. Z, 46 FR 20892, Apr. 7, 1981, unless otherwise noted."
cfr_part: "226"
---


# 226.25 Record retention.

(a) *General rule.* A creditor shall retain evidence of compliance with this regulation (other than advertising requirements under §§ 226.16 and 226.24) for 2 years after the date disclosures are required to be made or action is required to be taken. The administrative agencies responsible for enforcing the regulation may require creditors under their jurisdictions to retain records for a longer period if necessary to carry out their enforcement responsibilities under section 108 of the act.

(b) *Inspection of records.* A creditor shall permit the agency responsible for enforcing this regulation with respect to that creditor to inspect its relevant records for compliance.