---
title: Lending Thresholds
description: View a comprehensive list of updated lending thresholds compiled by COMPLIANCE RESOURCE.
---

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#  LENDING THRESHOLDS

TABLE OF CONTENTS

Click Link to Jump to Table

[HMDA Adjustment of Exemption Threshold for Banks, Savings Associations, and Credit Unions](https://insights.mycomplianceresource.com/lending-thresholds#HMDAAdjust)

#### [Regulations Z and M Consumer Credit Exemption Threshold](https://insights.mycomplianceresource.com/lending-thresholds#RegZandM)

#### [HPML Small Creditor Threshold](https://insights.mycomplianceresource.com/lending-thresholds#HPMLsmall)

[HPML Intermediate Creditor Threshold](https://insights.mycomplianceresource.com/lending-thresholds#HPMLintermediate)

[HPML Appraisal Exemption Threshold](https://insights.mycomplianceresource.com/lending-thresholds#HPMLappraise)

[Regulation Z Credit Card Safe Harbor Penalty Fees](https://insights.mycomplianceresource.com/lending-thresholds#REGZcreditcard)

[Minimum Interest Charge Disclosure](https://insights.mycomplianceresource.com/lending-thresholds#MINinterest)

[Qualified Mortgages - March 1, 2021](https://insights.mycomplianceresource.com/lending-thresholds#QM2021)

[Qualified Mortgages - January 1, 2022](https://insights.mycomplianceresource.com/lending-thresholds#QM2022)

[Qualified Mortgages - January 1, 2023](https://insights.mycomplianceresource.com/lending-thresholds#QM2023)

[Qualified Mortgages - January 2024](https://insights.mycomplianceresource.com/lending-thresholds#QM2024)

QM Limits on Points and Fees - [2014](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2014), [2015](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2015), [2016](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2016), [2017](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2017), [2018](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2018), [2019](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2019), [2020](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2020), [2021](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2021), [2022](https://insights.mycomplianceresource.com/lending-thresholds#QM2022), [2023](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2023), [2024](https://insights.mycomplianceresource.com/lending-thresholds#QMlimit2024)

[HOEPA Points and Fee Thresholds](https://insights.mycomplianceresource.com/lending-thresholds#HOEPA)

[CRA](https://insights.mycomplianceresource.com/lending-thresholds#CRA)

[FHFA General Maximum Conforming Mortgage Loan Limit](https://insights.mycomplianceresource.com/lending-thresholds#FHFA)

[FCRA and Regulation V - Reasonable Charge for Certain Disclosures](https://insights.mycomplianceresource.com/lending-thresholds#FCRA)

![Training](https://insights.mycomplianceresource.com/hs-fs/hubfs/Training.jpg?width=5760&height=3840&name=Training.jpg "Training")

## LENDING THRESHOLDS

---

| **HMDA Adjustment of Exemption Threshold for Banks,** **Savings Associations, and Credit Unions § 1003.2(1)** |  |  |  |
| --- | --- | --- | --- |
| **YEAR** | **THRESHOLD** | **YEAR** | **THRESHOLD** |
| Pre 1997 | $10 million | 1997 | $28 million |
| 1998 | $29 million | 1999 | $29 million |
| 2000 | $30 million | 2001 | $31 million |
| 2002 | $32 million | 2003 | $32 million |
| 2004 | $33 million | 2005 | $34 million |
| 2006 | $35 million | 2007 | $36 million |
| 2008 | $37 million | 2009 | $39 million |
| 2010 | $39 million | 2011 | $40 million |
| 2012 | $41 million | 2013 | $42 million |
| 2014 | $43 million | 2015 | $44 million |
| 2016 | $44 million | 2017 | $44 million |
| 2018 | $45 million | 2019 | $46 million |
| 2020 | $47 million | 2021 | $48 million |
| 2022 | $50 million | 2023 | $54 million |
| 2024 | $56 million |   |   |

---

|                 **Regulations Z and M Consumer Credit Exemption Threshold § 1026.3(b)(1)** |  |
| --- | --- |
| **FOR THE PERIOD...** | **THE THRESHOLD IS...** |
| From June 1, 1969 to July 21, 2011 | $25,000 |
| From July 21, 2011 to December 31, 2011 | $50,000 |
| From January 1, 2012 to December 31, 2012 | $51,800 |
| From January 1, 2013 to December 31, 2013 | $53,000 |
| From January 1, 2014 to December 31, 2014 | $53,500 |
| From January 1, 2015 to December 31, 2015 | $54,600 |
| From January 1, 2016 to December 31, 2016 | $54,600 |
| From January 1, 2017 to December 31, 2017 | $54,600 |
| From January 1, 2018 to December 31, 2018 | $55,800 |
| From January 1, 2019 to December 31, 2019 | $57,200 |
| From January 1, 2020 to December 31, 2020 | $58,300 |
| From January 1, 2021 to December 31, 2021 | $58,300 |
| From January 1, 2022 to December 31, 2022 | $61,000 |
| From January 1, 2023 to December 31, 2023 | $66,400 |
| January 1, 2024 to December 31, 2024 | $69,500 |

---

|     **HPML Small Creditor Threshold § 1026.35(b)(2)(iii)** |  |  |  |
| --- | --- | --- | --- |
| **YEAR** | **THRESHOLD** | **YEAR ** | **THRESHOLD** |
| 2013 | $2,000,000,000 | 2014 | $2,028,000,000 |
| 2015 | $2,060,000,000 | 2016 | $2,052,000,000 |
| 2017 | $2,069,000,000 | 2018 | $2,112,000,000 |
| 2019 | $2,167,000,000 | 2020 | $2,202,000,000 |
| 2021 | $2,230,000,000 | 2022 | $2,336,000,000 |
| 2023 | $2,537,000,000 | 2024 | $2,640,000,000 |

---

|     **HPML Intermediate Creditor Threshold § 1026.35(b)(2)(vi)** |  |  |  |
| --- | --- | --- | --- |
| **YEAR** | **THRESHOLD** | **YEAR** | **THRESHOLD** |
| 2021 | $10,000,000,000 | 2022 | $10,473,000,000 |
| 2023 | $11,371,000,000  | 2024  | $11,835,000,000  |

---

|     **HPML Appraisal Exemption Threshold § 1026.35(c)(2)(ii)** |  |  |  |
| --- | --- | --- | --- |
| **YEAR** | **THRESHOLD** | **YEAR** | **THRESHOLD** |
| 2014 | $25,000 | 2015 | $25,500 |
| 2016 | $25,500 | 2017 | $25,500 |
| 2018 | $26,000 | 2019 | $26,700 |
| 2020 | $27,200 | 2021 | $27,200 |
| 2022 | $28,500 | 2023 | $31,000 |
| 2024 | $32,400 |   |   |

---

---

| **Regulation Z Credit Card Safe Harbor Penalty Fees  § 1026.52(b)(1)(ii)(A), 1026.52(b)(1)(ii)(B) ** |  |  |
| --- | --- | --- |
| **YEAR** | **FIRST VIOLATION THRESHOLD** | **SUBSEQUENT VIOLATION** |
| 2010 - 2013 | $25 | $35 |
| 2014 | $26 | $37 |
| 2015 | $27 | $38 |
| 2016 | $27 | $37/38 |
| 2017 | $27 | $38 |
| 2018 | $27 | $38 |
| 2019 | $28 | $39 |
| 2020 | $29 | $40 |
| 2021 | $29 | $40 |
| 2022 | $30 | $41 |
| 2023 |    $30 |    $41 |
| 2024 | $30 | $41 |

|     **Minimum Interest Charge Disclosure §§ 1026.6(b)(2)(iii) 1026.60(b)(3)** |
| --- |
| Minimum Interest Charge Disclosure Thresholds - The minimum interest charge amounts for §§ 1026.6(b)(2)(iii) and 1026.60(b)(3) will remain unchanged at $1.00 for the year 2023. |

---

---

| **Qualified Mortgages – March 1, 2021 § 1026.43(e)(2)(vi)** |  |  |
| --- | --- | --- |
| **FOR A COVERED TRANSACTION WITH A...** | **WITH A LOAN AMOUNT\*****…** | **THE APR MAY NOT EXCEED THE APOR BY...** |
| First Lien | Greater than or equal to $110,260 | 2.25 or more percentage points |
| First Lien | Greater than or equal to $66,156 but less than $110,260 | 3.5 or more percentage points |
| First Lien | Less than $66,156 | 6.5 or more percentage points; |
| First Lien secured by a manufactured home | Less than $110,260 | 6.5 or more percentage points; |
| Subordinate Lien | Greater than or equal to $66,156 | 3.5 or more percentage points; |
| Subordinate Lien | Less than $66,156 | 6.5 or more percentage points. |
| \* - Adjusted annually for inflation |  |  |

---

| **Qualified Mortgages – January 1, 2022 § 1026.43(e)(2)(vi)** |  |  |
| --- | --- | --- |
| **FOR A COVERED TRANSACTION WITH A...** | **WITH A LOAN AMOUNT\*****…** | **THE APR MAY NOT EXCEED THE APOR BY...** |
| First Lien | Greater than or equal to $114,847 | 2.25 or more percentage points |
| First Lien | Greater than or equal to $68,908 but less than $114,847 | 3.5 or more percentage points |
| First Lien | Less than $68,908 | 6.5 or more percentage points; |
| First Lien secured by a manufactured home | Less than $114,847 | 6.5 or more percentage points; |
| Subordinate Lien | Greater than or equal to $68,908 | 3.5 or more percentage points; |
| Subordinate Lien | Less than $68,908 | 6.5 or more percentage points. |
| \* - Adjusted annually for inflation |  |  |

---

---

| **Qualified Mortgages – January 1, 2023 § 1026.43(e)(2)(vi)** |  |  |
| --- | --- | --- |
| **FOR A COVERED TRANSACTION WITH A...** | **WITH A LOAN AMOUNT\*****…** | **THE APR MAY NOT EXCEED THE APOR BY...** |
| First Lien | Greater than or equal to $124,331 | 2.25 or more percentage points |
| First Lien | Greater than or equal to $74,599 but less than $124,331 | 3.5 or more percentage points |
| First Lien | Less than $74,599 | 6.5 or more percentage points; |
| First Lien secured by a manufactured home | Less than $124,331 | 6.5 or more percentage points; |
| Subordinate Lien | Greater than or equal to $74,599 | 3.5 or more percentage points; |
| Subordinate Lien | Less than $74,599 | 6.5 or more percentage points. |
| \* - Adjusted annually for inflation |  |  |

---

---

| **Qualified Mortgages – January 1, 2024 § 1026.43(e)(2)(vi)** |  |  |
| --- | --- | --- |
| **FOR A COVERED TRANSACTION WITH A...** | **WITH A LOAN AMOUNT\*****…** | **THE APR MAY NOT EXCEED THE APOR BY...** |
| First Lien | Greater than or equal to $130,461 | 2.25 or more percentage points |
| First Lien | Greater than or equal to $78,277 but less than $130,461 | 3.5 or more percentage points |
| First Lien | Less than $78,277 | 6.5 or more percentage points; |
| First Lien secured by a manufactured home | Less than $130,461 | 6.5 or more percentage points; |
| Subordinate Lien | Greater than or equal to $78,277 | 3.5 or more percentage points; |
| Subordinate Lien | Less than $78,277 | 6.5 or more percentage points. |
| \* - Adjusted annually for inflation |  |  |

---

---

| **QM Limits on Points and Fees - 2014 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $100,000 | 3% of the total loan amount |
| ≥ $60,000 but < $100,000 | $3,000 |
| ≥ $20,000 but < $60,000 | 5% of the total loan amount |
| ≥ $12,500 but < $20,000 | $1,000 |
| < $12,500 | 8% of the total loan amount. |

---

| **QM Limits on Points and Fees - 2015 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $101,953 | 3% of the total loan amount |
| ≥ $61,172 but < $101,953 | $3,059 |
| ≥ $20,391 but < $61,172 | 5% of the total loan amount |
| ≥ $12,744 but < $20,391 | $1,020 |
| < $12,744 | 8% of the total loan amount. |

---

| **QM Limits on Points and Fees - 2016 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $101,749 | 3% of the total loan amount |
| ≥ $61,050 but < $101,749 | $3,052 |
| ≥ $20,350 but < $61,050 | 5% of the total loan amount |
| ≥ $12,719 but < $20,350 | $1,017 |
| < $12,719 | 8% of the total loan amount. |

---

| **QM Limits on Points and Fees - 2017 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $102,894 | 3% of the total loan amount |
| ≥ $61,737 but < $102,894 | $3,087 |
| ≥ $20,579 but < $61,737 | 5% of the total loan amount |
| ≥ $12,862 but < $20,579 | $1,029 |
| < $12,862 | 8% of the total loan amount. |

---

| **QM Limits on Points and Fees - 2018 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $105,158 | 3% of the total loan amount |
| ≥ $63,095 but < $105,158 | $3,155 |
| ≥ $21,032 but < $63,095 | 5% of the total loan amount |
| ≥ $13,145 but < $21,032 | $1,052 |
| < $13,145 | 8% of the total loan amount. |

---

| **QM Limits on Points and Fees - 2019 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $107,747 | 3% of the total loan amount |
| ≥ $64,648 but < $107,747 | $3,232 |
| ≥ $21,549 but < $64,648 | 5% of the total loan amount |
| ≥ $13,468 but < $21,549 | $1,077 |
| < $13,468 | 8% of the total loan amount. |

---

| **QM Limits on Points and Fees - 2020 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $109,898 | 3% of the total loan amount |
| ≥ $65,939 but < $109,898 | $3,297 |
| ≥ $21,980 but < $65,939 | 5% of the total loan amount |
| ≥ $13,737 but < $21,980 | $1,099 |
| < $13,737 | 8% of the total loan amount |

---

| **QM Limits on Points and Fees - 2021 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $110,260 | 3% of the total loan amount |
| ≥ $66,156 but < $110,260 | $3,308 |
| ≥ $22,052 but < $66,156 | 5% of the total loan amount |
| ≥ $13,783 but < $22,052 | $1,103 |
| < $13,783 | 8% of the total loan amount |

---

| **QM Limits on Points and Fees - 2022 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $114,847 | 3% of the total loan amount |
| ≥ $68,908 but < $114,817 | $3,445 |
| ≥ $22,969 but < $68,908 | 5% of the total loan amount |
| ≥ $14,356 but < $22,969 | $1,148 |
| < $14,356 | 8% of the total loan amount |

---

| **QM Limits on Points and Fees - 2023 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $124,331 | 3% of the total loan amount |
| ≥ $74,599 but < $124,331 | $3,730 |
| ≥ $24,866 but < $74,599 | 5% of the total loan amount |
| ≥ $15,541 but < $24,866 | $1,243 |
| < $15,543 | 8% of the total loan amount |

---

| **QM Limits on Points and Fees - 2024 § 1026.43(e)(3)(i)** |  |
| --- | --- |
| FOR A LOAN AMOUNT... | THE TOTAL OF POINTS AND FEES MAY NOT EXCEEED... |
| ≥ $130,461 | 3% of the total loan amount |
| ≥ $78,277 but < $130,461 | $3,914 |
| ≥ $26,092 but < $78,277 | 5% of the total loan amount |
| ≥ $16,308 but < $26,092 | $1,305 |
| < $16,308 | 8% of the total loan amount |

---

---

|     **HOEPA Points and Fee Thresholds § 1026.32(a)(1)(ii)** |  |
| --- | --- |
| **YEAR** | **ANNUAL ADJUSTMENT OF $1,000 THRESHOLD FOR LOANS < $20,000** |
| 2014 | $1,000 |
| 2015 | $1,020 |
| 2016 | $1,017 |
| 2017 | $1,029 |
| 2018 | $1,052 |
| 2019 | $1,077 |
| 2020 | $1,099 |
| 2021 | $1,103 |
| 2022 | $1,148 |
| 2023 | $1,243 |
| 2024 | $1,305 |

The $1,000 figure in § 1026.32(a)(1)(ii)(B) is adjusted annually on January 1 by the annual percentage change in the CPI that was in effect on the preceding June 1. The Bureau will publish adjustments after the June figures become available each year. Prior to January 10, 2014, a mortgage loan was covered by § 1026.32 if the total points and fees payable by the consumer at or before loan consummation exceeded the greater of $400 or 8 percent of the total loan amount. The $400 figure was adjusted annually on January 1 by the annual percentage change in the CPI that was in effect on the preceding June 1.

| **HOEPA Points and Fee Thresholds § 1026.32(a)(1)(ii)(B)** |  |
| --- | --- |
| YEAR | ANNUAL ADJUSTMENT OF $20,000 THRESHOLD FOR LOANS > $20,000 |
| 2014 | $20,000 |
| 2015 | $20,391 |
| 2016 | $20,350 |
| 2017 | $20,579 |
| 2018 | $21,032 |
| 2019 | $21,549 |
| 2020 | $21,980 |
| 2021 | $22,052 |
| 2022 | $22,969 |
| 2023 | $24,866 |
| 2024 | $26,092 |

The $20,000 amount in § 1026.32(a)(1)(ii)(A) and (B) is adjusted annually on January 1 by the annual percentage change in the CPI that was in effect on the preceding June 1.

|     **CRA §  12 CFR 228 ** |  |  |  |
| --- | --- | --- | --- |
| All institutions regulated by the Office of the Comptroller of the Currency, Federal Reserve System, and the Federal Deposit Insurance Corporation that meet the asset size threshold are subject to data collection and reporting requirements. |  |  |  |
| FOR THE YEAR BEGINNING... | AN INSTITUTION IS... |  |  |
| SMALL IF ITS ASSETS ARE...\* | INTERMEDIATE SMALL IF ITS ASSETS ARE...\*,\*\* | LARGE IF ITS ASSETS ARE... |  |
| July 1, 1995 | < $250,000 | N/A | ≥ $250,000 |
| Sept.1, 2005 | < $1 Billion | ≥ $250 Million but < $1 Billion | ≥ $1 Billion |
| Jan. 1, 2006 | < $1 Billion | ≥ $250 Million but < $1 Billion | ≥ $1 Billion |
| Jan. 1, 2007 | < $1.033 Billion | ≥ $258 Million but < $1 Billion | ≥ $1.033 Billion |
| Jan. 1, 2008 | < $1.061 Billion | ≥ $265 Million but < $1.061 Billion | ≥ $1.061 Billion |
| Jan. 1, 2009 | < $1.109 Billion | ≥ $277 Million but < $1.109 Billion | ≥ $1.109 Billion |
| Jan. 1, 2010 | < $1.098 Billion | ≥ $274 Million but < $1.098 Billion | ≥ $1.098 Billion |
| Jan. 1, 2011 | < $1.122 Billion | ≥ $280 Million but < $1.122 Billion | ≥ $1.122 Billion |
| Jan. 1, 2012 | < $1.160 Billion | ≥ $290 Million but < $1.160 Billion | ≥ $1.160 Billion |
| Jan. 1, 2013 | < $1.186 Billion | ≥ $296 Million but < $1.186 Billion | ≥ $1.186 Billion |
| Jan. 1, 2014 | < $1.202 Billion | ≥ $300 Million but < $1.202 Billion | ≥ $1.202 Billion |
| Jan. 1, 2015 | < $1.221 Billion | ≥ $305 Million but < $1.221 Billion | ≥ $1.221 Billion |
| Jan. 1, 2016 | < $1.216 Billion | ≥ $304 Million but < $1.216 Billion | ≥ $1.216 Billion |
| Jan. 1, 2017 | < $1.226 Billion | ≥ $307 Million but < $1.226 Billion | ≥ $1.226 Billion |
| Jan. 1, 2018 | < $1.252 Billion | ≥ $313 Million but < $1.252 Billion | ≥ $1.252 Billion |
| Jan. 1, 2019 | < $1.284 Billion | ≥ $321 Million but < $1.284 Billion | ≥ $1.284 Billion |
| Jan. 1, 2020 | < $1.305 Billion | ≥ $326 Million but < $1.305 Billion | ≥ $1.305 Billion |
| Jan. 1, 2021 | < $1.322 Billion | ≥ $330 million but < $1.322 billion | ≥$1.322 Billion |
| Jan. 1, 2022 | < $1.384 Billion | ≥ $346 million but < $1.384 billion | ≥$1.384 Billion |
| Jan. 1, 2023 | < $1.503 Billion | ≥ $376 million but < $1.503 billion | ≥ $1.503 Billion |
| Jan. 1, 2024 | < $ 1.564 Billion | ≥ $391 million but      < $1.564 billion | ≥ $1.564 Billion |
| \*As of December 31 of either of the prior two calendar years. |  |  |  |
| \*\*As of December 31 of both of the prior two calendar years. |  |  |  |

|     **FHFA GENERAL MAXIMUM CONFORMING MORTGAGE LOAN LIMIT** |  |
| --- | --- |
| **YEAR** | **LIMIT** |
| Jan. 1, 2006 – Dec. 31, 2016\* | $417,000 |
| Jan. 1, 2017 – Dec. 31, 2017 | $424,100 |
| Jan. 1, 2018 – Dec. 31, 2018 | $453,100 |
| Jan. 1, 2019 – Dec. 31, 2019 | $484,350 |
| Jan. 1, 2020 – Dec. 31, 2020 | $510,400 |
| Jan. 1, 2021 – Dec. 31, 2021 | $548,250 |
| Jan. 1, 2022 – Dec. 31, 2022 | $647,200 |
| Jan. 1, 2023 – Dec. 31, 2023 | $726,200 |
| Jan 1, 2024 - Dec. 31, 2024 | $756,550 |
| \*Historical limits for prior years varied. For a full list of the FHFA maximum conforming loan limits for each year visit: [https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx](https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx) |  |
| For a full list of conforming loan limits across the US visit: [https://www.fhfa.gov/DataTools/Downloads/Documents/Conforming-Loan-Limits/FullCountyLoanLimitList2022\_HERA-BASED\_FINAL\_FLAT.xlsx](https://www.fhfa.gov/DataTools/Downloads/Documents/Conforming-Loan-Limits/FullCountyLoanLimitList2022_HERA-BASED_FINAL_FLAT.xlsx) |  |

 

| **FCRA AND REGULATION V - REASONABLE CHARGE FOR CERTAIN DISCLOSURES - SECTION 612(f)(1)** |  |  |  |  |  |
| --- | --- | --- | --- | --- | --- |
| YEAR | FEE | YEAR | FEE | YEAR | FEE |
| 2012 | $11.50 | 2013 | $11.50 | 2014 | $11.50 |
| 2015 | $12.00 | 2016 | $12.00 | 2017 | $12.00 |
| 2018 | $12.00 | 2019 | $12.50 | 2020 | $12.50 |
| 2021 | $13.00 | 2022 | $13.50 | 2023 | $14.50 |
| 2024 | $15.50 |   |   |   |   |

In the case of a request from a consumer other than a request that is covered by any of subsections (a) through (d), a consumer reporting agency may impose a reasonable charge on a consumer

1. for making a disclosure to the consumer pursuant to section 609 \[§ 1681g\], which charge

1. 1. shall not exceed $8 (see below); and
     2. shall be indicated to the consumer before making the disclosure; and
2. for furnishing, pursuant to 611(d) \[§ 1681i\], following a reinvestigation under section 611(a) \[§ 1681i\], a statement, codification, or summary to a person designated by the consumer under that section after the 30-day period beginning on the date of notification of the consumer under paragraph (6) or (8) of section 611(a) \[§ 1681i\] with respect to the reinvestigation, which charge

1. 1. shall not exceed the charge that the agency would impose on each designated recipient for a consumer report; and
     2. shall be indicated to the consumer before furnishing such information.

---

 

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