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Rules governing escrows for higher priced mortgages

Resources to help industry participants understand, implement, and comply with the TILA Higher-Priced Mortgage Loan (HPML) escrow rule.

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On January 19, 2021, the Bureau issued a final rule to add a new exemption from the requirement to establish escrow accounts for certain higher-priced mortgage loans. You can access the final rule here , an executive summary of the final rule here , an unofficial redline showing the changes to the regulation and official interpretations in the final rule here , an updated Small Entity Compliance Guide here , and the Bureau’s press release accompanying the final rule here.


Browse TILA higher-priced mortgage loans escrow rules to see specific amendments made by each final rule to Regulation Z.

Regulations and official interpretations

Browse Regulation Z (12 CFR 1026) on: Interactive Bureau Regulations | eCFR

Main TILA HPML Escrow rule provisions and official interpretations can be found in:

  • § 1026.35, Requirements for higher-priced mortgage loans.
  • Supplement I to Part 1026 (including official interpretations for the above provision)

Quick references

Executive summaries

Executive summary of the January 2021 Amendments to the HPML Escrow Rule

Executive summary of the 2016 Rural-small interim final rule

Executive summary of the 2015 Amendments relating to small creditors and rural or underserved areas

Coverage chart

Transaction coverage and exemptions for the 2013 mortgage origination rules - Reference tool illustrating general coverage and exemptions of certain mortgage products.

Other references

Unofficial redline of the January 2021 Amendments to the HPML Escrow Rule


Small entity compliance guide

Download the latest version , version 1.3

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 TILA examination procedures
See the mortgage origination examination procedures
See the mortgage rules readiness guide , version 4.0

Additional materials