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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.


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


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

Additional materials