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The OCC, the FRB, and the CFPB plan to issue final rules and official interpretations for their regulations that would implement section 129H of the Truth in Lending Act (TILA). Section 129H of TILA establishes special appraisal requirements for "higher-risk mortgages", termed "higher-priced mortgage loans" or "HPMLs" in the agencies’ regulations.  The OCC, the FRB, the CFPB, the FDIC, the NCUA and the FHFA issued joint final rules implementing these requirements, effective January 18, 2014, which exempted, among other loan types, transactions of $25,000 or less, and required that this loan amount be adjusted annually based on any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).  If there is no annual percentage increase in the CPI-W, the OCC, the FRB, and the CFPB will not adjust this exemption threshold from the prior year. However, in years following a year in which the exemption threshold was not adjusted, the threshold is calculated by applying the annual percentage increase in the CPI-W to the dollar amount that would have resulted, after rounding, if the decreases and any subsequent increases in the CPI-W had been taken into account.  Based on the CPI-W in effect as of June 1, 2017, the exemption threshold will increase from $25,500 to $26,000 effective January 1, 2018.