Source

Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages), 90 FR, 15 December 2025

Effective 1 January 2026. The 2026 HOEPA total loan amount and points-and-fees thresholds, and the qualified mortgage points-and-fees limits.

Cited as

Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages), 90 FR, 15 December 2025

Pages

7

Official copy

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