Ability to repay and qualified mortgages (ATR/QM)
Resources to help industry participants understand, implement, and comply with the Ability to Repay/Qualified Mortgage (ATR/QM) rule.
Browse the ATR/QM rules to see specific amendments made by each final rule to Regulation Z.
Regulations and official interpretations
Browse Regulation Z (12 CFR1026) on: Interactive Bureau Regulations |
Main ATR/QM rule provisions and official interpretations can be found in:
- § 1026.43(a), Scope
- § 1026.43(b), Definitions
- § 1026.43(c), Ability to repay
- § 1026.43(d), Refinancing of non-standard mortgages
- § 1026.43(e), Qualified mortgage
- § 1026.43(f), Balloon-payment qualified mortgages made by certain creditors
- § 1026.43(g), Prepayment penalties
- Appendix Q to Part 1026—Standards for determining monthly debt and income
- Supplement I to Part 1026 (including official interpretations for the above provision)
Proposed rule changes and related materials
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Small entity compliance guide
Supervision and examination materials
Guides to how the Bureau will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.