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
      drafter_attestation: Verbatim from EO 14393 snapshot. Directive to consider Reg C amendments — not yet a rule.

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

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

This is verbatim, source-snapshotted regulator text from the Claude for Compliance open corpus. To turn a rule like this into compliance work product: gap-analyze your policies and procedures (P&Ps) against these requirements to surface stale, conflicting, or missing provisions; operationalize any change with a ready-to-run update kit; and produce audit-ready evidence — every step grounded only in the regulator’s own words, never invented.

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.