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What are the Current Year Thresholds for Various Regulations?
Compliance
What are the Current Year Thresholds for Various Regulations?
Many regulations adjust caps and thresholds based on the current value of money, which changes with interest rates and inflation. Here are some of the most common thresholds.
Last updated on 03 Nov, 2025
Regulation Z Thresholds and Loan Limits
Credit disclosure regulations for High-Cost Mortgages and Qualified Mortgages change every year.
Source: https://www.fipco.com/news/2025-adjusted-regulatory-thresholds-and-limits
Regulation C - HMDA Reporting Thresholds
Home Mortgage Disclosure Act reporting is exempted for some very small or low-volume producers.
Let us know if there are other thresholds we should include here.