Higher-Priced Mortgage Loans (HPMLs)

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Higher-Priced Mortgage Loans (HPMLs)

Compliance Couriers

CFPB adjusts 2024 HMDA, HPML escrow, and “small creditor” exemption amounts

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CFPB adjusts 2025 HMDA, HPML escrow, and “small creditor” exemption amounts

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CFPB adjusts 2026 HMDA, HPML escrow, and “small creditor” exemption amounts

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CFPB increases regulatory exemption amounts

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CFPB updates three regulatory exemption amounts for 2025

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CFPB updates three regulatory exemption amounts for 2026

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ii Releases

B068 Reg. Z – Higher-Priced Mortgage Loans

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Resources

CFPB: Ability-to-Repay and Qualified Mortgage Rule video transcript (5/14/2013)

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CFPB: Ability-to-Repay and Qualified Mortgage Rule, Small Entity Compliance Guide (11/3/2014)

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CFPB: Summary of the rule: High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Reg. Z) and Homeownership Counseling Amendments to the RESPA (Reg. X), (January 10, 2013) (Eff. January 10, 2014)

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CFPB: TILA Escrow Rule video transcript (5/14/2013)

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CFPB: TILA Higher-Priced Mortgage Loans (HPML) Appraisal Rule – Small Entity Compliance Guide (January 13, 2014)

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CFPB: TILA Higher-Priced Mortgage Loans (HPML) Escrow Rule – Small Entity Compliance Guide (January 6, 2014)

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FFIEC: HPML Calculator

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