{
 "purpose": "Machine-readable regulatory tables with effective dates, qualifiers and sha256 (Claim Contract applied to rules). Not official files of the issuers. CC BY 4.0.",
 "rules": [
  {
   "rule_id": "frc:rule:cfpb-hoepa-qm-thresholds-2026",
   "title": "Regulation Z 2026 annual threshold adjustments: HOEPA and qualified-mortgage points-and-fees",
   "url": "https://financeratecalc.com/rules/cfpb-hoepa-qm-thresholds-2026.json",
   "effective_from": "2026-01-01",
   "effective_to": "2026-12-31",
   "sha256": "9da02f08f21cf694cf224bbec6f6cbbc5e5bb36c57d91346cbef86f4bdd9e8d5"
  },
  {
   "rule_id": "frc:rule:hud-ml-2023-05-annual-mip",
   "title": "FHA annual mortgage insurance premium (MIP) rates, forward mortgages",
   "url": "https://financeratecalc.com/rules/fha-annual-mip-ml-2023-05.json",
   "effective_from": "2023-03-20",
   "effective_to": null,
   "sha256": "425451eaa45ef8a9be1d3fae2288f1906e06a91aeb3d8b320c511e70f876d466"
  },
  {
   "rule_id": "frc:rule:fha-forward-loan-limits-2026",
   "title": "FHA forward mortgage loan limits for case numbers assigned on or after 2026-01-01",
   "url": "https://financeratecalc.com/rules/fha-forward-loan-limits-2026.json",
   "effective_from": "2026-01-01",
   "effective_to": "2026-12-31",
   "sha256": "f8aa1c61946db5e80b282bc693833f6ef5e0c3581b5cc2f5aef6f122c66b39d5"
  },
  {
   "rule_id": "frc:rule:fhfa-conforming-loan-limits-2026",
   "title": "Conforming loan limit values for mortgages acquired by Fannie Mae and Freddie Mac in 2026",
   "url": "https://financeratecalc.com/rules/fhfa-conforming-loan-limits-2026.json",
   "effective_from": "2026-01-01",
   "effective_to": "2026-12-31",
   "sha256": "6db2205ec88f18dff19b77870c3dc503040864a9aeb3207ba85b54ccc1ab2176"
  },
  {
   "rule_id": "frc:rule:va-funding-fee-2023-04-07",
   "title": "VA home loan funding fee percentages",
   "url": "https://financeratecalc.com/rules/va-funding-fee-2023-04-07.json",
   "effective_from": "2023-04-07",
   "effective_to": null,
   "sha256": "c7231a5889f2e18ecd9a980f88012a2d930d87441a49ec99149cf46c8aceb429"
  }
 ]
}