{"data":{"id":"us/12-cfr-appendix-o-to-part-1026","jurisdiction":"us","citation":"12 CFR Appendix O to Part 1026","heading":"Appendix O to Part 1026—Illustrative Written Source Documents for Higher-Priced Mortgage Loan Appraisal Rules","body":"A creditor acts with reasonable diligence under § 1026.35(c)(4)(vi)(A) if the creditor bases its determination on information contained in written source documents, such as:\n1. A copy of the recorded deed from the seller.\n2. A copy of a property tax bill.\n3. A copy of any owner's title insurance policy obtained by the seller.\n4. A copy of the RESPA settlement statement from the seller's acquisition (i.e., the HUD-1 or any successor form).\n5. A property sales history report or title report from a third-party reporting service.\n6. Sales price data recorded in multiple listing services.\n7. Tax assessment records or transfer tax records obtained from local governments.\n8. A written appraisal performed in compliance with § 1026.35(c)(3)(i) for the same transaction.\n9. A copy of a title commitment report detailing the seller's ownership of the property, the date it was acquired, or the price at which the seller acquired the property.\n10. A property abstract.","path":["Title 12—Banks and Banking","CHAPTER X—CONSUMER FINANCIAL PROTECTION BUREAU","PART 1026—TRUTH IN LENDING (REGULATION Z)"],"source_url":"https://www.ecfr.gov/api/versioner/v1/full/2026-08-25/title-12.xml","current_through":"2026-08-25","vintage":"","retrieved_at":"2026-08-27T02:24:16Z","sha256":"11ddbfa11d1fd355fa41d3bec6c480a0f14907aed57b32c296d7484effec3120","source_id":"us-cfr","stale":true,"prev":"us/12-cfr-appendix-n-to-part-1026","next":"us/12-cfr-appendix-p-to-part-1026"},"notice":"GroundRules: Original legal text. Not legal advice."}