Regulation Z HOEPA and Qualified Mortgage Annual Threshold Adjustments by BMG Memorandum | Aug 5, 2019 | Client and Friends Memos, HOEPA, QM/Ability to Repay, TILA In the August 1, 2019, issue of the Federal Register (84 FR 37565), the Consumer Financial Protection Bureau established the following 2020 thresholds for high-cost and qualified mortgages under §§1026.32 and 1026.43, respectively. Full Memorandum