Consumer Real Estate Lending Policy
Updated 01/21/2026
This policy is for Consumer Real Estate Loans. Institutions are encouraged to review and modify as needed, based on their size, complexity, and scope.
Rule: 12 CFR Part 1026 – Truth in Lending (Regulation Z)
C/A Toolkit: Appraisals, Mortgage Servicing, Mortgage, TRID
Keywords: Truth in Lending, Regulation Z, TILA, Appraisals, Mortgage, TRID, Real Estate
1/21/2026 Updated with 2026 HOEPA/QM points and fees, and 2026 Reg Z thresholds.
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