AC-027 2026 ATR-QM Points and Fees Thresholds
NOTICE TO ALL CUSTOMERS
CFPB Annual Adjustments for Qualified Mortgages (QM) Points and Fees Thresholds
The CFPB’s final rule for the 2026 Regulation Z annual threshold adjustments for ATR/QM and HOEPA points and fees test and adjusted total loan amounts effective January 1, 2026, has been announced and the new thresholds to be complied with are as follows: