OCC Proposes Rules Preempting State Interest-on-Escrow Laws
On December 23, 2025, the OCC issued two notices of proposed rulemaking regarding the authority of national banks and federal savings associations with regard to escrow accounts in connection with real estate lending transactions. Learn More
The Federal Housing Administration (“FHA”) has announced 2026 loan limits applicable to FHA-insured Single Family Forward Mortgages in Mortgagee Letter 2025-23. FHA loan limits have increased across the country, reflecting the continued appreciation of home prices in 2025. Read More
The Consumer Financial Protection Bureau (“CFPB”) is required to annually calculate the dollar amounts for several provisions in Regulation Z, which implements the Truth in Lending Act (“TILA”) and its amendments (including the Home Ownership and Equity Protection Act (“HOEPA”) and the Dodd-Frank Wall Street Reform and Consumer Protection Act (“Dodd-Frank Act”)). Read More
On December 16, 2025, the Consumer Financial Protection Bureau, along with the Office of the Comptroller of the Currency and the Board of Governors of the Federal Reserve System, published an adjustment to its threshold for the appraisal requirements for higher-priced mortgage loans (“HPMLs”). Read More
Complimentary
Compliance Term of the Month
December 2025 Term of the Month: Curtailment
Curtailment is any payment that reduces the principal balance of a loan — for example, a “tolerance cure by principal reduction” is one type of curtailment.
Pennsylvania Base Figure Updated for 2026 On December 13, 2025, the Pennsylvania Department of Banking and Securities published the annual adjustment to the definition of “base figure” in the Pennsylvania Loan Interest and Protection Law (LIPL). Read More
Ohio interest law restricts the amount and period in which prepayment penalties for residential mortgage loans may be charged and prohibits prepayment or refinancing penalties on first-lien residential mortgage loans made or arranged by a mortgage broker, loan officer, or non-bank mortgage lender, which total less than the statutory threshold. Read More
Effective January 5, 2026, DocMagic will remove the License Type disclosure from its state-specific forms packages for Massachusetts. DocMagic had previously included this disclosure in its application, Regulation Z, and closing packages. Read More
In order to keep DocMagic software users better apprised of document changes and additions as they occur, DocMagic posts listings of all newly created and revised documents. Here is the list of forms created or modified in December 2025.To view all New/Revised Documents, click here. Read More
Complimentary
Upcoming Event
Meet Us at MISMO Winter Summit
DocMagic is a proud Bronze sponsor of the MISMO Winter Summit on January 12th – 15th in Amelia Island, FL.
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