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Category: Final rule

Ability-to-Repay/Qualified Mortgage Rule

The Ability-to-Repay/Qualified Mortgage Rule (ATR/QM Rule) requires a creditor to make a reasonable, good faith determination of a consumer’s ability to repay a residential mortgage loan according to its terms. The ATR/QM Rule also defines several categories of “qualified mortgage” loans, which obtain certain protections from liability.

2013 final rule

Ability to Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z) – Jan. 30, 2013

Amendments (2013 – 2020)

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Extension of Sunset Date – Oct. 26, 2020

Operations in Rural Areas Under the Truth in Lending Act (Regulation Z) – Mar. 25, 2016

Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z) – Oct. 2, 2015

Amendments to the 2013 Mortgage Rules Under the Truth in Lending Act (Regulation Z); Small servicer definition – Nov. 3, 2014

Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real Estate Settlement Procedures Act (Regulation X), and the Truth in Lending Act (Regulation Z) – Oct. 1, 2013

Amendments to the 2013 Mortgage Rules Under the Real Estate Settlement Procedures Act (Regulation X) and the Truth in Lending Act (Regulation Z) relating to State law of Regulation X's servicing provisions – Jul. 24, 2013

Ability-to-Repay and Qualified Mortgage Standards Exemptions Under the Truth in Lending Act (Regulation Z) – Jun. 12, 2013

Rules under development

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition – Aug. 28, 2020

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition – Jul. 10, 2020

Related documents

Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z) (Advance Notice of Proposed Rulemaking) – Jul. 31, 2019

Ability-to-Repay and Qualified Mortgage Rule Assessment Report – Jan. 10, 2019