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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.

Featured topic

On July 2, 2020, the Bureau issued a notice of proposed rulemaking (NPRM) to add a new exemption from the requirement to establish escrow accounts for certain higher-priced mortgage loans. You can access an unofficial redline showing the changes to the regulation and official commentary proposed in the NPRM. The Bureau also issued a press release accompanying the NPRM.


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

Coverage chart

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