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Rules governing appraisals for higher priced mortgages

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

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Generally, compliance with the TILA HPML appraisal rule is mandatory for applications received on or after January 18, 2014. The Bureau has provided materials, including updated guides, to help industry comply with the rule.


Browse the TILA HPML appraisal final rule issued in 2013.

Browse the TILA HPML annual threshold adjustment final rules.

Regulations and official interpretations

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

Main TILA HPML Appraisal 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

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 1.2

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 CFPB mortgage origination examination procedures

See the mortgage rules readiness guide , version 4.0

Additional material

Rural counties list