# Truth in Lending
> **US Federal Reserve System** · Final rule; staff commentary. · Published 2011-06-20 · Effective 2012-01-01 · 76 FR 35723
## Document
- **Document number:** 2011-15179
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 76 FR 35723
- **CFR reference:** 12 CFR 226
- **Publication date:** 2011-06-20
- **Effective date:** 2012-01-01
- **Docket:** Regulation Z
## Abstract

The Board is publishing a final rule amending the staff commentary that interprets the requirements of Regulation Z (Truth in Lending). The Board is required to adjust annually the dollar amount that triggers requirements for certain home mortgage loans bearing fees above a certain amount. The Home Ownership and Equity Protection Act of 1994 (HOEPA) sets forth rules for home-secured loans in which the total points and fees payable by the consumer at or before loan consummation exceed the greater of $400 or 8 percent of the total loan amount. In keeping with the statute, the Board has annually adjusted the $400 amount based on the annual percentage change reflected in the Consumer Price Index as reported on June 1. The adjusted dollar amount for 2012 is $611.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2011/06/20/2011-15179/truth-in-lending)
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