As a member of Bankers Compliance Consulting, which developed the worksheet referenced above, I wanted to expand and clarify that at this point, we are not planning to update the HOEPA Worksheet for the January 2014 rules change regarding High Cost Mortgages (previously HOEPA loans). There are a couple of reasons behind this decision. First, the "APR test" can be completed on the FFIEC's rate spread calculator. Second, the "points and fees test" has changed and is more individualized. There are many mores ifs, ands, and buts regarding whether a charge is considered a point or fee. Thus, trying to create a "one-size-fits-all-banks" calculator would be very difficult. In our discussions with bankers in the last month, we have heard of two software providers that are adding a "points and fees" calculation tool. If your provider does not offer such a tool, you may want to consider putting in a request for one.