Topic: Higher-Priced Mortgage Loans (HPMLs)
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CFPB adjusts 2026 HMDA, HPML escrow, and “small creditor” exemption amounts
NEWS: The Consumer Financial Protection Bureau (CFPB) has released its annual updates to some regulatory exemption amounts that affect credit unions making mortgage loans: The asset-size exemptions for collecting Home Mortgage Disclosure […]
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CFPB updates three regulatory exemption amounts for 2026
NEWS: Every year, the CFPB adjusts the exemption thresholds for three of its lending rules, and those thresholds are increasing for 2026. Higher-priced mortgage loan appraisal requirements The threshold for exempting […]
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CFPB adjusts 2025 HMDA, HPML escrow, and “small creditor” exemption amounts
NEWS: The Consumer Financial Protection Bureau (CFPB) has released its annual updates to some regulatory exemption amounts that affect credit unions making mortgage loans: The asset-size exemptions for collecting Home Mortgage Disclosure Act (HMDA) […]
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CFPB updates three regulatory exemption amounts for 2025
NEWS: Every year, the CFPB adjusts the exemption thresholds for three of its lending rules, and those thresholds are increasing for 2025. Higher-priced mortgage loan appraisal requirements The threshold for exempting […]
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CFPB adjusts 2024 HMDA, HPML escrow, and “small creditor” exemption amounts
NEWS: The Consumer Financial Protection Bureau (CFPB) has released its annual updates to some regulatory exemption amounts that affect credit unions making mortgage loans: The asset-size exemptions for collecting Home Mortgage Disclosure Act […]
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CFPB increases regulatory exemption amounts
NEWS: Every year, the CFPB adjusts the exemption thresholds for three of its lending rules, and those thresholds are increasing for 2023: HPML appraisals: The threshold for exempting loans from special […]
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CFPB: TILA Higher-Priced Mortgage Loans (HPML) Escrow Rule – Small Entity Compliance Guide (January 6, 2014)
This guide has been updated for the following changes – the May 2013 Final Rule and October 2013 Final Rule and the 2012, 2013 and 2014 lists of rural and underserved counties as appropriate. […]
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CFPB: TILA Higher-Priced Mortgage Loans (HPML) Appraisal Rule – Small Entity Compliance Guide (January 13, 2014)
The purpose of this guide is to provide a summary of the new HPML Appraisal Rule. This guide also highlights issues that small creditors, and those that work with them, might […]
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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)
Learn more about the background of these rules and how they affect providers of financial products and services.
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CFPB: Ability-to-Repay and Qualified Mortgage Rule, Small Entity Compliance Guide (11/3/2014)
CFPB guidance to the 2013 Mortgage Servicing Rules. Learn more about the rule in a plain language and FAQ format which makes the content more accessible for a broad array […]