--- title: "Global Mapping Updates: Fields “Loan Amount Less Than or Equal to Reg Z Threshold Amount” (81938) and “Higher-Risk HPML” (67269) for 2026" description: Join the First American network of trusted title agents with comprehensive tools and resources. --- - Solutions - [Overview](https://docutech.com/solutions/) - [Document Solutions](https://docutech.com/solutions/document-solutions) - [eClosing](https://docutech.com/solutions/eclosing/) - [Document Generation](https://docutech.com/solutions/document-generation) - [Fulfillment](https://docutech.com/solutions/solutions-fulfillment) - Resources - [Overview](https://docutech.com/resources/) - [Solution Briefs](https://docutech.com/resources/solution-briefs) - [Request a Demo](https://docutech.com/docutech-request-a-demo) - [Compliance](https://docutech.com/resources/compliance) - [Blog](https://blog.docutech.com) - Partners - [Overview](https://docutech.com/partners/) - About Us - [Overview](https://docutech.com/about-us/) - [Contact Us](https://docutech.com/about-us/contact-us) - Let's Talk - Solutions - [Overview](https://www.docutech.com/solutions?hsLang=en) - [Document Solutions](https://www.docutech.com/solutions/document-solutions?hsLang=en) - [eClosing](https://www.docutech.com/solutions/eclosing?hsLang=en) - [Document Generation](https://www.docutech.com/solutions/document-generation?hsLang=en) - [Fulfillment](https://www.docutech.com/solutions/solutions-fulfillment?hsLang=en) - Resources - [Overview](https://www.docutech.com/resources?hsLang=en) - [Solution Briefs](https://www.docutech.com/resources/solution-briefs?hsLang=en) - [Request a Demo](https://www.docutech.com/docutech-request-a-demo?hsLang=en) - [Compliance](https://www.docutech.com/resources/compliance?hsLang=en) - [Blog](https://blog.docutech.com/) - Partners - [Overview](https://www.docutech.com/partners?hsLang=en) - About Us - [Overview](https://www.docutech.com/about-us?hsLang=en) - [Contact Us](https://www.docutech.com/about-us/contact-us?hsLang=en) # Global Mapping Updates: Fields “Loan Amount Less Than or Equal to Reg Z Threshold Amount” (81938) and “Higher-Risk HPML” (67269) for 2026 Dec 15, 2025 Topics: [Document Updates](https://compliance.docutech.com/tag/document-updates) As in previous years, the Consumer Financial Protection Bureau (“CFPB”) has updated a couple of the dollar amounts specified in various parts of Federal Regulation Z (12 CFR Pt. 1026), which amounts are required to be adjusted annually for inflation. These amounts include the **“**[**Truth in Lending (Regulation Z) Threshold Adjustment**](https://www.consumerfinance.gov/rules-policy/final-rules/truth-lending-regulation-z-threshold-adjustments/)**”** and the **“**[**Higher-Priced Mortgage Loans Exemption Threshold Adjustment**](https://www.consumerfinance.gov/rules-policy/final-rules/appraisals-higher-priced-mortgage-loans-exemption-threshold-adjustments/)**”**. Under 12 CFR 1026.3(b)(1), “an extension of credit in which the amount of credit extended exceeds the applicable threshold amount or in which there is an express written commitment to extend credit in excess of the applicable threshold amount” is generally exempt from Regulation Z. The “threshold amount” is described in the Official Staff Commentary, and for 2026, it has been adjusted from $71,900 to $73,400. While this exemption does not apply to an extension of credit “secured by any real property, or by personal property used or expected to be used as the principal dwelling of the consumer” (12 CFR § 1026.3\[b\]\[1\]\[i\]\[A\]), the “threshold amount” is used by some states as the criteria for determining whether a disclosure should print for loans of certain amounts. For example, Iowa Code Ann. § 537.3208 requires a specific disclosure to be provided to a cosigner in connection with a “consumer credit transaction”, which is defined to include a consumer loan, with the definition of “consumer loan” excluding a loan with an amount financed which is equal to (or less than) the “threshold amount” – which is further defined to be the same as the “threshold amount” under Regulation Z. In other words, this particular disclosure needs to be provided in connection with a loan where the amount financed is equal to (or less than) the “threshold amount.” Docutech uses “Loan Amount Less Than or Equal to Reg Z Threshold Amount” (FI 81938) for these types of circumstances (*e.g.,* as a print trigger for Cx1022 – IA Notice to Cosigners). The global field value mappings for Fl 81938 have been updated to replace all instances of conditions which contain the value “71900” with the value “73400” to reflect the 2026 “Reg Z threshold amount”. Similarly, Docutech uses “Higher-Risk HPML” (FI 67269) to determine whether a loan is or isn’t a “higher-risk mortgage” (a special type of higher-priced mortgage loan, referred to as an “HRM-HPML”). The criteria for determining whether or not a loan is an HRM-HPML is set forth under 12 CFR § 1026.35(c)(2), which includes another “threshold amount” under Subsection 35(c)(2)(ii). For 2026, this amount has been increased from $33,500 to $34,200. The global field value mappings for FI 67269 have been updated to replace all instances of conditions which contain the value “33500” with the value “34200” to reflect the 2026 “HRM-HPML threshold amount”. These changes are available for testing on Stage servers and will take effect on January 1, 2026. If you have any questions or concerns about these changes, please contact Client Support at 1.800.497.3584. *COM-6964 T3S-25278* ###### **The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action.** [Return to Blog](https://compliance.docutech.com) ### Stay informed. --- Subscribe to emails to get notified when new content is published. ### Category / Topics [Document Updates](https://compliance.docutech.com/tag/document-updates) ### Recent Posts #### [Document Updates: Washington Foreclosure Prevention Fee Disclosure (Cx28412)](https://compliance.docutech.com/document-updates-washington-foreclosure-prevention-fee-disclosure-cx28412-1) Dec 15, 2025 #### [Document Updates: New Nebraska Net Tangible Benefit Disclosure (Cx29105)](https://compliance.docutech.com/document-updates-new-nebraska-net-tangible-benefit-disclosure-cx29105) Dec 15, 2025 #### [Document Updates: Request for a Certificate of Eligibility for VA Home Loan Benefits (Cx26687)](https://compliance.docutech.com/document-updates-request-for-a-certificate-of-eligibility-for-va-home-loan-benefits-cx26687) Dec 15, 2025 The preceding is for informational purposes only and is not and may not be construed as legal advice. No third-party entity may rely upon anything contained herein when making legal and/or other determinations regarding its practices, and such third party should consult with an attorney prior to embarking upon any specific course of action. 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