Data / Federal rules / 2025-22875
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
The Consumer Financial Protection Bureau published this final rule in the Federal Register on December 16, 2025. It took effect on January 1, 2026.
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What the agency says
The OCC, the Board, and the Bureau are finalizing amendments to the official interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA). Section 129H of TILA establishes special appraisal requirements for "higher-risk mortgages," termed "higher-priced mortgage loans" or "HPMLs" in the agencies' regulations. A December 2013 rulemaking exempted transactions of $25,000 or less and required that this loan amount be adjusted annually based on any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI- W). Based on the CPI-W in effect as of June 1, 2025, the exemption threshold will increase from $33,500 to $34,200, effective January 1, 2026.
Key facts
- Document number
- 2025-22875
- Type
- Final rule
- Action
- Final rules and official interpretations
- Agency
- Treasury Department; Comptroller of the Currency; Federal Reserve System; Consumer Financial Protection Bureau
- Published
- December 16, 2025
- Takes effect
- January 1, 2026
- Dates
- This final rule is effective January 1, 2026.
- Docket
- Docket No. OCC-2025-0306; Docket No. R-1878
- Regulation ID (RIN)
- 1557-AF39; 7100-AH12
- Code of Federal Regulations
- 12 CFR 34; 12 CFR 226; 12 CFR 1026
- Topics
- Accounting; Advertising; Banks, banking; Consumer protection; Credit; Credit unions; Mortgages; Reporting and recordkeeping requirements; Savings associations
- Pages
- 5
Other documents from the Consumer Financial Protection Bureau
| Document | Type | Published |
|---|---|---|
| Request for Information Regarding Promoting Access to Mortgage Credit 2026-13834 | Proposed rule | Jul 9 |
| Financial Data Transparency Act Joint Data Standards 2026-12787 · significant | Final rule | Jun 25 |
| Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission 2026-12149 | Final rule | Jun 17 |
| Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) 2026-08494 · significant | Final rule | May 1 |
| Equal Credit Opportunity Act (Regulation B) 2026-07804 · significant | Final rule | Apr 22 |
| Equal Credit Opportunity Act (Regulation B) C1-2025-19864 · significant | Proposed rule | Feb 25 |
| Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold 2026-00087 | Final rule | Jan 7 |
| Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold 2026-00085 | Final rule | Jan 7 |
Everything from the Consumer Financial Protection Bureau · Rules on accounting · Rules on advertising · Rules on banks, banking · Published in December 2025
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.