On June 13, the Fed published its annual adjustment to the amount of fees triggering additional disclosure requirements under the Truth in Lending Act and HOEPA for home mortgage loans with rates or fees above a certain amount. The dollar amount of the trigger has been adjusted to $611, and will be effective starting on January 1, 2012. The adjustment does not affect rules for "higher-priced mortgage loans" adopted by the Fed in July 2008. Fed Release. Fed Rule.