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Friday, August 15, 2014

CFPB Updates Reg Z Dollar Thresholds

The CFPB announced 2015 increases in dollar thresholds for several Regulation Z provisions governed by the CARD Act, the Home Ownership and Equity Protection Act and the Dodd-Frank Act.

For Qualified Mortgages, points and fees cannot exceed 3% of loans of $101,953 or more; $3,059 for loans between $61,172 and $101,953; 5% of loans between $20,391 and $61,172; $1,020 for loans between $12,744 and $20,391; and 8% of loans of less than $12,744.

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