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National Flood Insurance Program on the Bubble Again
In September 2025, TCA published an article on the impact the government shutdown would have on the National Flood Insurance Program. TCA – A Better Way!
HMDA Email Service Discontinuation
On Friday January 16, 2026, the CFPB issued notice that due to operational constraints, they would be discontinuing use of the GovDelivery email service to notify the public of changes in HMDA platform updates and announcements. TCA – A Better Way!
HMDA and HPML Thresholds Bumped Up for 2026
Annual HMDA and HPML asset-size thresholds for covered financial institutions were announced. TCA – A Better Way!
Regulatory Updates – Fourth Quarter 2025
Below is a link to the Regulatory Updates as of the end of Q4 2025. TCA provides A Better Way for you to track Compliance updates and keep your organization on track. TCA – A Better Way!
CRA Asset-size Thresholds Announced for 2026
Annual CRA asset-size thresholds for covered financial institutions were announced. TCA – A Better Way!
HOEPA Calculation Worksheet for 2026 Loans
Tool to calculate whether your loan transaction is subject to HOEPA based on the points and fees and prepayment penalties paid by the borrower. Worksheets are updated annually to reflect changes loan amount thresholds. Select the worksheet based on the year the loan has been originated. Example: loan originated in December 2023 – select the HOEPA Calculation Worksheet 2023.01.
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HPML Appraisal & Regulation Z and Regulation M Exemption Dollar Thresholds for 2026
An increase in the exemption thresholds for Regulation Z and Regulation M and the HPML Appraisal Exemption amount were announced for 2026. TCA – A Better Way!
New Threshold Amounts for 2026 under Regulation Z CARD Act, HOEPA and QM Sections
Based on the 2.1% increase in the Consumer Price Index (CPI-W) in effect on June 1, 2025, the Consumer Financial Protection Bureau (CFPB) released a few new thresholds which go into effect on January 1, 2026. TCA – A Better Way!
