Executive Order 14393 — Promoting Access to Mortgage Credit

eo-14393-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.

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source:
  type: regulation
  id: eo-14393-mortgage-credit
  authority: Executive Order 14393 — Promoting Access to Mortgage Credit
  description: '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.'
  status: directive-watch
obligations:
  - id: eo-14393-regulation-z-tailoring
    canonical_id: eo-14393-regulation-z-tailoring
    section: 'EO 14393 — WATCH: directs CFPB to consider tailoring Reg Z (ATR/QM, TILA/RESPA/TRID) for smaller banks'
    description: WATCH (directive, not a rule). The EO directs the CFPB to consider proposing amendments to Regulation Z tailoring ATR/QM and TILA/RESPA/TRID requirements for smaller banks.
    type: proposed
    audit_question: Is [LENDER] tracking the EO 14393 directive on Reg Z tailoring (ATR/QM, TILA/RESPA/TRID) so it can respond when a proposed rule appears?
    program_review: Does the program monitor for the Reg Z rulemaking this EO directs, so a comment/readiness response is ready if it proposes?
    file_review: 'WATCH — no in-force file duty. Readiness only: which ATR/QM/TRID controls would change if the directed amendments are proposed.'
    judgment: false
    feeds: []
    workflow_phase: origination
    owner_role: cco
    secondary_owner_role: cco
    cadence: monitor
    consequence: Acting on stale or un-finalized requirements creates legal exposure; failing to track them forfeits lead time.
    tags:
      - eo-14393
      - watch
      - reg-z
      - atr-qm
      - trid
      - directive
      - monitor
    primary_source:
      tier: 1
      authority: Executive Order 14393 — Promoting Access to Mortgage Credit (91 FR 13203, Mar 18, 2026)
      source_class: executive-order
      source_url: https://www.federalregister.gov/documents/2026/03/18/2026-05384/promoting-access-to-mortgage-credit
      snapshot_id: cb44bb165ce54715
      fetched_at: '2026-06-08T00:00:00Z'
      content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
      paragraph_quote: '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;'
      drafter_attestation: Verbatim from EO 14393 snapshot. Directive to consider Reg Z amendments — not yet a rule.
  - id: eo-14393-regulation-c-hmda-tailoring
    canonical_id: eo-14393-regulation-c-hmda-tailoring
    section: 'EO 14393 — WATCH: directs CFPB to consider raising the HMDA (Reg C) asset-threshold exemption'
    description: WATCH (directive, not a rule). The EO directs the CFPB to consider proposing amendments to Regulation C raising the asset threshold for exemption from HMDA collection/reporting for smaller banks and excluding inquiries.
    type: proposed
    audit_question: Is [LENDER] tracking the EO 14393 directive on Reg C / HMDA threshold and scope changes?
    program_review: Does the program monitor for the HMDA (Reg C) rulemaking this EO directs?
    file_review: 'WATCH — no in-force file duty. Readiness only: HMDA reporting scope if the directed amendments are proposed.'
    judgment: false
    feeds: []
    workflow_phase: origination
    owner_role: cco
    secondary_owner_role: cco
    cadence: monitor
    consequence: Acting on stale or un-finalized requirements creates legal exposure; failing to track them forfeits lead time.
    tags:
      - eo-14393
      - watch
      - reg-c
      - hmda
      - directive
      - monitor
    primary_source:
      tier: 1
      authority: Executive Order 14393 — Promoting Access to Mortgage Credit (91 FR 13203, Mar 18, 2026)
      source_class: executive-order
      source_url: https://www.federalregister.gov/documents/2026/03/18/2026-05384/promoting-access-to-mortgage-credit
      snapshot_id: cb44bb165ce54715
      fetched_at: '2026-06-08T00:00:00Z'
      content_hash: sha256:placeholder-snapshot-content-hash-from-source-json
      paragraph_quote: 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, and to ensure that disclosures protect privacy and reduce burdens, including insufficiently tailored, expensive, and complex software and training needed for reporting financial institutions.
      drafter_attestation: Verbatim from EO 14393 snapshot. Directive to consider Reg C amendments — not yet a rule.
      quote_healed: true

Verbatim regulatory text (2)

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;

Source: Executive Order 14393 — Promoting Access to Mortgage Credit (91 FR 13203, Mar 18, 2026) · source URL · snapshot cb44bb165ce54715

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, and to ensure that disclosures protect privacy and reduce burdens, including insufficiently tailored, expensive, and complex software and training needed for reporting financial institutions.

Source: Executive Order 14393 — Promoting Access to Mortgage Credit (91 FR 13203, Mar 18, 2026) · source URL · snapshot cb44bb165ce54715

Operationalizing Executive Order 14393 — Promoting Access to Mortgage Credit

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Source of record: https://claudeforcompliance.com/regs/eo-14393-mortgage-credit/ · register eo-14393-mortgage-credit · Claude for Compliance. Free to read and download; see regulatory updates and methodology.