Regulatory Alerts2025-12-16 | 2025-22875Added · Updated
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
The OCC, Federal Reserve Board, and CFPB are finalizing amendments to update the exemption threshold for appraisal requirements on higher-priced mortgage loans. Based on the Consumer Price Index for Urban Wage Earners and Clerical Workers, the threshold increases from $33,500 to $34,200 for transactions occurring in 2026. This adjustment, effective January 1, 2026, relieves smaller loan transactions from specific appraisal mandates under the Truth in Lending Act.
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