High cost mortgages (HOEPA)
Resources to help industry understand, implement, and comply with the Home Ownership and Equity Protection Act (HOEPA) rules.
Featured topic
On November 16, 2018, the Bureau updated the small entity compliance guide to reflect changes made by the Economic Growth, Regulatory Relief, and Consumer Protection Act.
Rules
Browse HOEPA final and interpretive rules to see specific amendments made by each final rule to Regulations Z and X.
Browse the HOEPA annual threshold adjustment final rules
Regulations and official interpretations
Browse Regulation Z (12 CFR 1026) on: Interactive Bureau Regulations | eCFR
Browse Regulation X (12 CFR 1024) on: Interactive Bureau Regulations | eCFR
Main HOEPA rule provisions and official interpretations can be found in:
- § 1024.20, List of homeownership counseling organizations
- § 1026.32, Requirements for high-cost mortgages
- § 1026.34, Prohibited acts or practices in connection with high-cost mortgages
- § 1026.36, Prohibited acts or practices and certain requirements for credit secured by a dwelling
- Supplement I to Part 1026 (including official interpretations for the above provisions)
Quick references
Coverage chart
Transaction coverage and exemptions for the 2013 mortgage origination rules -Reference tool illustrating general coverage and exemptions of certain mortgage products
Stay informed
Sign up for updates about mortgage rule implementation.
Guides
Small entity compliance guide
Download the latest version , version 3.0
Supervision and examination materials
Guides to how the Bureau will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.
See the mortgage origination examination procedures
See the mortgage rules readiness guide , version 4.0