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:---------------------------------------------------------------------------
\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. [75 FR 7818, Feb. 22, 2010]