HOEPA High-Cost Mortgage Trigger Test

Tests all three HOEPA high-cost mortgage triggers per Reg Z §1026.32(a)(1): (i) APR trigger (APOR+6.5pp first-lien, APOR+8.5pp subordinate or dwelling below $50k); (ii) points-and-fees trigger (5% of loan or $1,380 floor, 2026, FR 2025-22773); (iii) prepayment penalty trigger (>36 months or >2% of prepaid amount). Outputs is_high_cost plus which triggers fired. Consumes art-220 (lookup_reg_z_thresholds) for the pinned HOEPA threshold table. Use test_hpml_escrow (art-235) for HPML escrow, not HOEPA. Use check_qm_points_and_fees (art-218) for the QM points-and-fees ability-to-repay test.

Tool URL: https://ainumbers.co/chaingraph/art-234-test-hoepa-high-cost.html