Regulation Z sets an annual threshold to determine small creditor status for certain rules such as Ability To Repay (ATR) and Qualified Mortgage (QM) rules, as well as Higher Priced Mortgage Loan (HPML) escrow accounts.

In 2018, this threshold has increased to $2.112 billion from $2.069 billion in 2017.

If you have small creditor applicability questions, feel free to ask us here.

Adam Witmer

Adam Witmer is a speaker, author, and founder of the Compliance Cohort. Adam has taught hundreds of seminars and training sessions to thousands of bankers throughout the United States and teaches on all areas of regulatory compliance. Adam has written five e-books that he never published, hit a grizzly bear while driving in a National Park, and is an award winning photographer and musician (though he no longer takes photos nor plays any instruments). In his spare time, Adam can be found kayaking on the lake, doing taekwondo with his kids, working on his (project) house, or spending time with his family.

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