Executive Order 14393 — Promoting Access to Mortgage Credit
Executive Order 14393 (signed Mar 13, 2026; 91 FR 13203, Mar 18, 2026). A DIRECTIVE, not a rule: directs the CFPB and banking agencies to CONSIDER tailoring Reg Z (ATR/QM, TILA/RESPA/TRID), Reg C/HMDA thresholds, and capital rules for community/smaller banks. Nothing is in force; downstream rulemakings expected late 2026/2027. Tracked here for lead-time readiness.
Verbatim regulatory text
Verbatim provisions from Executive Order 14393 — Promoting Access to Mortgage Credit — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
EO 14393 — WATCH: directs CFPB to consider tailoring Reg Z (ATR/QM, TILA/RESPA/TRID) for smaller banks
proposing amendments to Regulation Z that tailor the following requirements for smaller banks: ATR and QM requirements (including potentially a broader QM safe harbor for portfolio loans) and the requirements of the Truth in Lending Act, Public Law 90-321 (TILA), Real Estate Settlement Procedure Act, Public Law 93-533 (RESPA), and TILA-RESPA Integrated Disclosure (TRID) rules;
EO 14393 — WATCH: directs CFPB to consider raising the HMDA (Reg C) asset-threshold exemption
proposing amendments to Regulation C to raise the asset threshold for exemption from HMDA data collection and reporting requirements for smaller banks, to exclude inquiries from the scope of HMDA