{
 "rule_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
 "title": "Regulation Z 2026 annual threshold adjustments: HOEPA and qualified-mortgage points-and-fees",
 "issuer_of_rule": "CFPB, final rule 90 FR (2025-12-15), docket 2025-22773",
 "effective_from": "2026-01-01",
 "effective_to": "2026-12-31",
 "supersedes": "2025 values (HOEPA total loan amount $26,968; points-and-fees trigger $1,348)",
 "cells": [
  {
   "item": "HOEPA total loan amount threshold",
   "value_usd": 27592
  },
  {
   "item": "HOEPA points-and-fees dollar trigger",
   "value_usd": 1380
  },
  {
   "item": "QM points-and-fees cap, loan >= $137,958",
   "cap": "3% of total loan amount"
  },
  {
   "item": "QM cap, $82,775 to < $137,958",
   "cap_usd": 4139
  },
  {
   "item": "QM cap, $27,592 to < $82,775",
   "cap": "5% of total loan amount"
  },
  {
   "item": "QM cap, $17,245 to < $27,592",
   "cap_usd": 1380
  },
  {
   "item": "QM cap, < $17,245",
   "cap": "8% of total loan amount"
  }
 ],
 "contract": {
  "required_qualifiers": [
   "loan consummated in 2026",
   "total loan amount tier"
  ],
  "does_not_establish": [
   "2025 or 2027 values",
   "whether a specific loan is a high-cost mortgage (depends on APR and fees)"
  ]
 },
 "machine_readable_by": "FinanceRateCalc, from the public source named; not an official file of the issuer; CC BY 4.0; corrections: https://financeratecalc.com/corrections.html",
 "verify": "https://financeratecalc.com/verify.html",
 "sha256": "9da02f08f21cf694cf224bbec6f6cbbc5e5bb36c57d91346cbef86f4bdd9e8d5"
}