Which agency issued this update?

This update was issued by Consumer Financial Protection Bureau.

When was it published?

It was published on December 15, 2025.

Reglith

← All regulatory updates

Consumer Financial Protection Bureau

Agencies Announce Dollar Thresholds for Smaller Loan Exemption from Appraisal Requirements for Higher-priced Mortgage Loans

December 15, 2025

Summary

The CFPB, FRB, and OCC have increased the dollar threshold for the higher-priced mortgage loan (HPML) exemption from special appraisal requirements from $33,500 to $34,200 for the 2026 calendar year. Loans at or below this new amount will be exempt from the specific appraisal rules mandated for higher-priced mortgage loans.

The CFPB, FRB, and OCC are announcing that the 2026 threshold for higher-priced mortgage loans that are subject to special appraisal requirements will increase from $33,500 to $34,200.

Source: https://www.consumerfinance.gov/about-us/newsroom/agencies-announce-dollar-thresholds-for-smaller-loan-exemption-from-appraisal-requirements-for-higher-priced-mortgage-loans-2025/

Common questions

What does "Agencies Announce Dollar Thresholds for Smaller Loan Exemption from Appraisal Requirements for Higher-priced Mortgage Loans" cover?: The CFPB, FRB, and OCC have increased the dollar threshold for the higher-priced mortgage loan (HPML) exemption from special appraisal requirements from…
Which agency issued this update?: This update was issued by Consumer Financial Protection Bureau.
When was it published?: It was published on December 15, 2025.

Summary

Common questions

Related updates