Bank Regulation Thresholds Cheat Sheet
Updated 05/27/2026
Use this cheat sheet to determine whether the Bank falls within the thresholds outlined in various compliance regulations.
Rule: Various
Toolkit: ATR QM, CRA, Flood, HMDA, Mortgage Servicing, Mortgage, Regulation E, Training Program, 1071 Small Business Lending
Keywords: Community Reinvestment Act, CRA, Home Mortgage Disclosure Act, HMDA, Flood Escrow, Regulation B, ECOA, 1071, Regulation E, EFTA, Regulation Z, TILA, HOEPA, Qualified Mortgage, HPML, SAFE Act
1/21/2026 –
The following are the key takeaways of the changes:
- Updated to include 2026 threshold amounts.
- Added Reg. Z TILA HOEPA APR coverage test and Points and Fees test.
- Added Reg. Z – TILA General QM definition, including loan amounts and percentage point thresholds.
- Clarified Reg. Z – TILA EGRRCPA HPML exemption.
5/27/2026 – Updated to reflect the new ECOA 1071 Final Rule issued by the CFPB.
Members Can Download This Tool
Login to Download
Not Yet a Member?
Our members enjoy:
On-demand regulatory guidance hotline – by chat, phone and email – available from anywhere, on any device – 7 am - 6 pm, M-F, Central time
Research time saved daily & weekly across forms, checklists, and trainings — for every regulation
Hours of form-building and branding of bank documents saved; in some cases, even the budget of additional staff
A sounding board for support and reassessment when institutional goals or the regulatory environment changes
Access to attorneys and compliance specialists for risk modelling and decision-making in advance of large business decisions
The knowledge that C/A was created and owned by 30 State Bankers Association to provide bank compliance services to their membership organizations
Find out how a personalized team of attorneys and compliance professionals helps build targeted compliance strategies throughout your institution when you take our Live Membership Demo.