In the December 15, 2025 issue of the Federal Register (90 FR 57890 click here), the Consumer Financial Protection Bureau established the following 2026 thresholds for high-cost and qualified mortgages under §§1026.32 and 1026.43, respectively..
HOEPA (High-cost Mortgages) 2026 Threshold Adjustments
Effective January 1, 2026, a consumer loan secured by the consumer’s principal dwelling and not otherwise exempt is a high-cost mortgage based on the total points and fees payable by the consumer under §1026.32(a)(1)(ii) if the points and fees exceed: (A) 5 percent of the total loan amount for a loan with a loan amount of $27,592 or more, or (B) the lesser of 8 percent of the total loan amount or $1,380 for a loan with a loan amount of less than $27,592. Comment 32(a)(1)(ii)–1.xii is added to reflect the new $1,380 threshold amount for 2026. Comment 32(a)(1)(ii)–3.xii is added to reflect the new $27,592 threshold loan amount for 2026.
Full Memorandum
