Regulatory Alerts2025-12-15
Added · Updated
Agencies Announce 2026 Dollar Thresholds for Truth in Lending and Consumer Leasing Rules
The Federal Reserve Board and the Consumer Financial Protection Bureau established a $73,400 threshold for 2026 to determine whether consumer credit and lease transactions fall under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing). Calculated using a 2.1 percent annual increase in the CPI-W index, this adjustment mandates that transactions at or below the limit receive these statutory protections. Private education loans and real property-secured mortgages remain subject to Regulation Z regardless of their dollar amount.
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