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TILA Higher-Priced Mortgage Loan Escrow Rule

This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. The rule implements statutory changes made by the Dodd-Frank Act that lengthen the time for which a mandatory escrow account established for a higher-priced mortgage loan must be maintained. The rule also exempts certain transactions from the statute’s escrow requirement.

Final rule

Escrow Requirements under the Truth in Lending Act (Regulation Z) – Jan. 22, 2013

Amendments and corrections

Higher-Priced Mortgage Loan Escrow Exemption (Regulation Z) – Feb. 17, 2021

Operations in Rural Areas under the Truth in Lending Act – 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 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) – July 24, 2013

Amendments to the 2013 Escrows Final Rule under the Truth in Lending Act (Regulation Z) – May 23, 2013

Proposed Rules with request for comment

Higher-Priced Mortgage Loan Escrow Exemption (Regulation Z) - July 2, 2020

Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z) – Feb. 11, 2015

Proposed Amendments to the 2013 Escrows Final Rule under the Truth in Lending Act (Regulation Z) – Apr. 18, 2013

Proposed Truth in Lending rule from Federal Reserve - Mar. 2, 2011

Related information

The asset-size exemption thresholds in 12 CFR 1026.35(b)(2)(iii)(C) and 1026.35(b)(2)(vi)(A) adjust annually for inflation. See Regulation Z, comments 35(b)(2)(iii)-1.iii.E and 35(b)(2)(vi)(A)-1 for information on the current thresholds.

Rural or Underserved Areas Information