Reg Z HOEPA and Higher-Priced Mortgage Loans

Describes the characteristics of mortgage loans subject to either the HOEPA or the HPML requirements of Regulation Z. This course explains the underwriting standards, timing and disclosure requirements, escrow, and servicing requirements. It also explains the penalties for violations of these sections of Regulation.

Reviewed: January 2018 (no changes necessary)
Re-versioned: February 2017

Learning Objectives

After completing this course, students will be able to:

  • Identify the disclosures required and what they include 
  • Describe the features that are banned from high-rate, high-fee loans 
  • Examine the impact of laws and regulations and the consequences of non-compliance 
  • Recognize a HOEPA loan based on price and type of loan 
  • Recognize an HPML and understand the additional requirements for HPMLs​


All branch personnel responsible for taking consumer mortgage loan applications.

​Course Credits









​Questions? Please contact for more information.

 Benefits of Self-Paced Training

  • Ultimate flexibility
  • Quizzes to support learning
  • Mobile format available

 Frontline Compliance

This course is available to ABA Member banks at no cost under a license agreement. Learn more

 Registration & Pricing


ABA Member • $95
Non-Member • $130


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