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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.

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