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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 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.

Browse amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z)

Browse amendments to the 2013 mortgage rules under ECOA/Regulation B, RESPA/Regulation X, and TILA/Regulation Z

Browse amendments relating to small creditors and rural or underserved areas under the TILA/Regulation Z final rule

Browse operations in rural areas under TILA/Regulation Z

Browse HPML escrows annual threshold adjustment

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.