Title XIV rules: mortgage origination
As a result of Title XIV of the Dodd-Frank Wall Street Reform and Consumer Protection Act, we issued a number of rules on mortgage origination including Ability to Repay/Qualified Mortgages, HOEPA, and Loan Originator Compensation. Regulatory Implementation provides these resources because timely and efficient regulatory implementation of new rules is an important factor in delivering consumer protections to the market.
Rules and compliance guides
|Link to the rule||Compliance guide|
- Fact sheet for small creditors operating in rural or underserved areas
- When is a creditor eligible to make different types of qualified mortgages?
- - March 22, 2016
- - Sept. 21, 2015
Supervision and examination materials
Our Supervision and Examination Manual is a guide to how we will supervise and examine consumer financial service providers under our jurisdiction for compliance with federal consumer financial law.
Rural or underserved counties
Businesses that operate predominantly in rural or underserved counties are exempt from certain requirements.
Use our rural and underserved counties page to access lists of rural or underserved counties or tools that determine whether a property location is in such a county.
Lenders can use our find a housing counselor tool to meet RESPA requirements to generate a list of housing counseling agencies for each applicant.