Regulatory Alerts2025-12-15 | 2025-22814Truth in Lending (Regulation Z) 2026 Threshold Adjustment
The Board of Governors of the Federal Reserve System and the Consumer Financial Protection Bureau issued final rules amending official interpretations for Regulation Z to adjust the exemption threshold for consumer credit transactions. Based on the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers, the threshold amount increases from $71,900 to $73,400 effective January 1, 2026. This technical update ensures that exempt transactions remain aligned with inflation adjustments mandated by the Dodd-Frank Wall Street Reform and Consumer Protection Act.
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