12 CFR § 1026.30 - Limitation on rates.

---
identifier: "/us/cfr/t12/s1026.30"
source: "ecfr"
legal_status: "authoritative_unofficial"
title: "12 CFR § 1026.30 - Limitation on rates."
title_number: 12
title_name: "Banks and Banking"
section_number: "1026.30"
section_name: "Limitation on rates."
chapter_name: "CONSUMER FINANCIAL PROTECTION BUREAU"
part_number: "1026"
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. 2601, 2603-2605, 2607, 2609, 2617, 3353, 3354, 5511, 5512, 5532, 5581; 15 U.S.C. 1601"
regulatory_source: "76 FR 79772, Dec. 22, 2011, unless otherwise noted."
cfr_part: "1026"
---


# 1026.30 Limitation on rates.

A creditor shall include in any consumer credit contract secured by a dwelling and subject to the Act and this part the maximum interest rate that may be imposed during the term of the obligation when:

(a) In the case of closed-end credit, the annual percentage rate may increase after consummation, or

(b) In the case of open-end credit, the annual percentage rate may increase during the plan.