A creditor shall include in any consumer credit contract secured by a dwelling and subject to the act and this regulation the maximum interest rate that may be imposed during the term of the obligation  50 when:
    
    
        
            Code of Federal Regulations
        
        
            
            Footnote(s):
            
                
                    50 [Reserved]
            
            
        
    
    
        
        (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.
     
    
        
            Code of Federal Regulations
        
        [75 FR 7818, Feb. 22, 2010]