Ohio updates the threshold for its prohibition against prepayment penalties each year according to increases in the CPI. The threshold increased from $112,957 in 2025 to $116,356 in 2026. 

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.

Updated the Vermont High-Rate High Point Disclosure form (VTHRHP.DSC) with the new Declared Rate of 7.75%. The change is effective beginning January 1, 2026.

Iowa Year End Threshold Adjustment updated the form selection logic with the 2026 threshold in forms FTC.MSC and IANTCS.MSC and for state specific language on USSEC.NOT Iowa Notice to Consumer, triggered by a loan amount threshold set in the programming. Effective January 1, 2026, the threshold will be increased to $73,400. These forms will print when date is greater than or equal to “01/01/2026” and loan amount is LESS THAN $73,400. 

Each year the Illinois Points and Fees are updated to reflect the adjustments made under the Dodd-Frank Act. These changes are effective Jan 1 2026. The Loan Amount threshold will increase from $26,968 to $27,592. The Points and Fees threshold will increase from $1,348 from $1,380.

Updated the Pennsylvania base figure audit to the 2026 adjusted figure from $319,777 to $329,411. Loans less than or equal to $329,411 may not have a prepayment penalty. 

Updated the exemption threshold from $33,500 (2025) to $34,200 (2026) used with form DRRCA.MSC. This is an annual adjustment effective January 1, 2026. Loan amounts equal to or less than threshold are exempt. 

Texas Equity Line of Credit Security Instrument (MERS) (TXHESINHFLM.HLC) updated on second line in dynamic footer to read: "DEED OF TRUST - ‘FIRST LIEN’. 

Update to DocMagic default logic to use the newer SSPL forms instead of the Pre-Trid version. The new form: ADSYCSF.MSC will be published with the LE and CD (looks like them). The old form: SSPL.GFE will be published with GFE 2010. 

Update to the programming of the Iowa Permissible Fees audits to return when a charge paid to Lender by Borrower is not 'O'rigination, 'PF' Processing fee, or 'BF' Broker fee.