The Consumer Financial Protection Bureau, the Federal Reserve Board and the Office of the Comptroller of the Currency announced that the 2026 dollar threshold for higher-priced mortgage loans subject to special appraisal requirements will increase to USD 34,200 from USD 33,500. The updated threshold takes effect on January 1, 2026. The adjustment reflects a 2.1 percent annual increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) as of June 1, 2025. The special appraisal requirements stem from Dodd-Frank Act amendments to the Truth in Lending Act and include obtaining a written appraisal based on a physical visit to the interior of the home, while loans at or below the annually adjusted threshold are exempt.
Consumer Financial Protection Bureau 2025-12-15
Consumer Financial Protection Bureau, Federal Reserve Board and Office of the Comptroller of the Currency raise 2026 higher-priced mortgage loan appraisal exemption threshold to USD 34,200
The Consumer Financial Protection Bureau, Federal Reserve Board, and Office of the Comptroller of the Currency announced an increase in the 2026 dollar threshold for higher-priced mortgage loans subject to special appraisal requirements to USD 34,200 from USD 33,500. Effective January 1, 2026, this reflects a 2.1% annual increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. The special appraisal requirements are mandated by Dodd-Frank Act amendments to the Truth in Lending Act.