Audit Update
Description
Points and Fees dollar trigger for high-cost mortgages in 2026 will increase from $1,348 to $1,380.
The total loan amount threshold used to determine whether a loan is subject to the “total points and fees” provision of HOEPA, or Section 32 will increase from $26,968 for 2025 to $27,592 for 2026.
Annual Threshold Adjustments for Regulation Z