OpenChainGraph Suite · ART-218 · US Mortgage Compliance

QM Points and Fees Test

Qualified Mortgage points-and-fees test per Reg Z §1026.43(e)(3). Five-tier table lookup with version-pinned CFPB annual dollar adjustments. Returns pass/fail with applicable tier label, limit amount, and headroom. Prerequisite for QM APR-APOR spread test.

Reg Z §1026.43(e)(3) QM General 5-Tier Table Version-Pinned 2021-2026

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Loan and Fee Inputs

Loan amount ($)

Total principal, used to determine which tier applies.

Total points and fees ($)

Sum of all QM-qualified points and fees per §1026.32(b)(1).

Table year

CFPB adjusts thresholds annually. Use consummation year.

QM Points and Fees Result

Applicable Tier

Full Tier Table

Tier	Loan range	Limit

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