HOEPA Points and Fees Calculator
Updated 01/16/2026
This HOEPA Points and Fees Calculator is just for determining if the transaction is a high-cost mortgage.
Rule: 12 CFR Part 1026 – Truth in Lending (Regulation Z)
Keywords: TILA, Truth in Lending, Regulation Z, HOEPA, ATR, QM
1/15/2026 Updated for 2026 thresholds
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