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Effective date for several inflation adjustments

01/01/2016

Effective date for adjustments in:

  • CARD Act and HOEPA dollar amount limits and triggers, and for QM Points and Fees cap: https://federalregister.gov/a/2015-22987
  • CRA (Regulation BB) dollar amount threshold changes for Small and Intermediate Small bank or savings association definition: {Not announced yet)
  • Regulation Z threshold amount of coverage for credit other than (1) credit secured by real property or personal property used a consumer principal dwelling and (2) private education loans: (Not announced yet)
  • Total asset limit for "small creditor" exemption (Factor C) from HPML escrow requirements and status for small creditor qualification to originate QMs under sections 1026.43(e)(5), (e)(6), and (f): (Not yet announced)
  • Threshold amount of credit extended for coverage of HPML appraisal requirements: (Not yet announced)

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