The Ability-to-Repay/Qualified Mortgage Rule (ATR/QM Rule) requires a creditor to make a reasonable, good faith determination of a consumer’s ability to repay a residential mortgage loan according to its terms. The ATR/QM Rule also defines several categories of “qualified mortgage” loans, which obtain certain protections from liability.
January 2013 final rule
Ability to Repay and Qualified Mortgage Standards Under the Truth in Lending Act (Regulation Z) – Jan. 30, 2013
Amendments
Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition; Delay of Mandatory Compliance Date – Apr. 27, 2021
Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition – Dec. 10, 2020
Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition – Dec. 10, 2020
Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Extension of Sunset Date – Oct. 26, 2020
Operations in Rural Areas Under the Truth in Lending Act (Regulation Z) – Mar. 25, 2016
Amendments Relating to Small Creditors and Rural or Underserved Areas Under the Truth in Lending Act (Regulation Z) – Oct. 2, 2015
Amendments to the 2013 Mortgage Rules Under the Truth in Lending Act (Regulation Z); Small servicer definition – Nov. 3, 2014
Ability-to-Repay and Qualified Mortgage Standards Exemptions Under the Truth in Lending Act (Regulation Z) – Jun. 12, 2013
Related documents
Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z) (Advance Notice of Proposed Rulemaking) – Jul. 31, 2019
Ability-to-Repay and Qualified Mortgage Rule Assessment Report – Jan. 10, 2019
