Last reviewed 10-31-2026Short-Sale.com Editorialglossary

Atr/Qm Rule

FreddieMac

Updated 10-31-2026

Atr/Qm Rule

Regulation Z's Ability to Repay (ATR) rule (12 C.F.R. § 1026.43) that implements the Truth in Lending Act's provisions requiring a creditor to determine a Borrower's ability to repay a Mortgage loan. QMs are a subset of loans under the ATR requirements.

FreddieMac Glossary

FreddieMac · p. 4

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