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Ability to Repay/Qualified Mortgage Rule

Resources to help industry participants understand, implement, and comply with the Ability to Repay/Qualified Mortgage (ATR/QM) rule. 

Featured topic

On April 26, 2016, the Bureau released a factsheet for small creditors operating in rural or underserved areas and a chart illustrating when a creditor is eligible to make different types of qualified mortgages.


Browse the ATR/QM rule to see specific amendments to Regulation Z.

Regulations and official interpretations

Browse Regulation Z (12 CFR1026) on: Interactive Bureau Regulations | eCFR

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)

Quick references

Coverage charts


Small entity compliance guide

Download the latest version , version 2.4

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

Supervisory Highlights

Additional materials