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TILA Higher Priced Mortgage Loan Escrow Rule

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

Featured topic

On April 26, 2016, the Bureau released a factsheet for small creditors operating in rural or underserved areas.


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 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.