{"abstract":"The OCC, the Board, and the Bureau are finalizing amendments to the official interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA). Section 129H of TILA establishes special appraisal requirements for \"higher-risk mortgages,\" termed \"higher-priced mortgage loans\" or \"HPMLs\" in the agencies' regulations. A December 2013 rulemaking exempted transactions of $25,000 or less and required that this loan amount be adjusted annually based on any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI- W). Based on the CPI-W in effect as of June 1, 2025, the exemption threshold will increase from $33,500 to $34,200, effective January 1, 2026.","action":"Final rules and official interpretations.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Office of the Comptroller of the Currency","name":"Comptroller of the Currency","id":80,"url":"https://www.federalregister.gov/agencies/comptroller-of-the-currency","json_url":"https://www.federalregister.gov/api/v1/agencies/80","parent_id":497,"slug":"comptroller-of-the-currency"},{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"},{"raw_name":"Consumer Financial Protection Bureau","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2025/12/16/2025-22875.html","cfr_references":[{"chapter":null,"citation_url":null,"part":34,"title":12},{"chapter":null,"citation_url":null,"part":226,"title":12},{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"90 FR 58141","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective January 1, 2026.","disposition_notes":null,"docket_ids":["Docket No. OCC-2025-0306","Docket No. R-1878"],"dockets":[{"supporting_documents":[],"agency_name":"CFPB","documents":[{"comment_count":0,"comment_start_date":"2025-12-16","updated_at":"2025-12-16T09:56:41.731-05:00","comment_url":"https://www.regulations.gov/commenton/CFPB-2025-0001-0019","allow_late_comments":false,"id":"CFPB-2025-0001-0019","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"CFPB-2025-0001","title":"2025 - Notices"},{"supporting_documents":[],"agency_name":"OCC","documents":[{"comment_count":0,"comment_start_date":"2025-12-16","updated_at":"2025-12-16T15:56:32.545-05:00","comment_url":"https://www.regulations.gov/commenton/OCC-2025-0306-0001","allow_late_comments":false,"id":"OCC-2025-0306-0001","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"OCC-2025-0306","title":"Appraisals for Higher-Priced Mortgage Loans Exemption Threshold"}],"document_number":"2025-22875","effective_on":"2026-01-01","end_page":58145,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2025/12/16/2025-22875.xml","html_url":"https://www.federalregister.gov/documents/2025/12/16/2025-22875/appraisals-for-higher-priced-mortgage-loans-exemption-threshold","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2025-22875?publication_date=2025-12-16","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2025-12-16/2025-22875/mods.xml","not_received_for_publication":null,"page_length":5,"page_views":{"count":2495,"last_updated":"2026-04-04 14:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2025-12-16/pdf/2025-22875.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-22875.pdf?1765806314","publication_date":"2025-12-16","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2025/12/16/2025-22875.txt","regulation_id_number_info":{"7100-AH12":null,"1557-AF39":null},"regulation_id_numbers":["1557-AF39","7100-AH12"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":0,"agency_id":"OCC","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=OCC-2025-0306","supporting_documents_count":0,"docket_id":"OCC-2025-0306","document_id":"OCC-2025-0306-0001","regulation_id_number":"1557-AF39","title":"Appraisals for Higher-Priced Mortgage Loans Exemption Threshold","checked_regulationsdotgov_at":"2025-12-18T00:55:05Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":58141,"subtype":null,"title":"Appraisals for Higher-Priced Mortgage Loans Exemption Threshold","toc_doc":"Appraisals for Higher-Priced Mortgage Loans Exemption Threshold","toc_subject":null,"topics":["Accounting","Advertising","Banks, banking","Banks, banking","Banks, banking","Banks, banking","Consumer protection","Credit","Credit unions","Federal Reserve System","Mortgages","National banks","Reporting and recordkeeping requirements","Savings associations","Truth-in-lending"],"type":"Rule","volume":90}