HELOC
HELOC Lifetime Interest Rate Cap Requirements Under HOEPA (2026 Guide)
Federal law requires every HELOC to disclose a lifetime maximum APR. See what HOEPA and Reg Z require, how caps are set, and what to verify in 2026.
Regulation & Compliance
Home Equity
Home Equity Loan Escrow & Impound Account Rules in 2026: When You Need One, When You Can Waive It
Most home equity loans don't carry escrow. Three situations force one: a first-lien HPML, an SFHA flood zone, or a California second lien above 80% CLTV.