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CFPB RIN: 3170-AB57 Publication ID: 2026 
Title: ●Contingency Calculations for Determining Average Prime Offer Rate 
Abstract:

Regulation Z, which implements the Truth in Lending Act (TILA), and Regulation C, which implements the Home Mortgage Disclosure Act (HMDA), provide for comparison of a mortgage loan’s annual percentage rate (APR) to the average prime offer rate (APOR) for purposes of determining the mortgage loan’s status and for reporting purposes.  APOR tables are updated and published weekly by the Consumer Financial Protection Bureau.  The Bureau is considering authorizing the use of contingency calculations to determine APOR values in instances when the Bureau does not publish weekly APOR tables. 

 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: Undetermined  Unfunded Mandates: No 
EO 14192 Designation: Other 
CFR Citation: 12 CFR 1003    12 CFR 1026   
Legal Authority: Not Yet Determined   
Legal Deadline:  None
Timetable:
Action Date FR Cite
NPRM  07/00/2026 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: Undetermined 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Jaclyn Maier
Office of Regulations
Consumer Financial Protection Bureau
1700 G Street NW,
Washington, DC 20552
Phone:202 435-7700