Truth in Lending Regulation Z Threshold Increase

CFPB Final Rules

Published January 1st, 2026

Detected March 14th, 2026

Summary

The Consumer Financial Protection Bureau (CFPB) has finalized an amendment to Regulation Z, increasing the dollar threshold for exempt consumer credit transactions. Effective January 1, 2026, the threshold will rise from $71,900 to $73,400, adjusted annually based on the Consumer Price Index.

View original document View source feed page

What changed

The Consumer Financial Protection Bureau (CFPB) has published a final rule amending the official interpretations for Regulation Z, implementing the Truth in Lending Act (TILA). This amendment increases the dollar threshold for exempt consumer credit transactions from $71,900 to $73,400, effective January 1, 2026. This adjustment is mandated by the Dodd-Frank Act, which requires annual updates to this threshold based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

Regulated entities, particularly those involved in consumer credit and leasing, should be aware of this updated threshold. While the change is primarily an adjustment based on inflation, it is crucial for compliance officers to ensure their systems and disclosures reflect the new $73,400 threshold for transactions occurring on or after January 1, 2026. No specific compliance actions are required beyond updating internal thresholds and disclosures to align with the new regulatory requirement.

What to do next

Update internal systems and disclosures to reflect the new $73,400 threshold for exempt consumer credit transactions effective January 1, 2026.

Source document (simplified)

Category: Final rule

Truth in Lending (Regulation Z)

DEC 15, 2025

The Board and the Bureau (collectively, Agencies) are publishing final rules amending the official interpretations for the Agencies’ regulations that implement the Truth in Lending Act (TILA). The Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt consumer credit transactions be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2025, the exemption threshold will increase from $71,900 to $73,400 effective January 1, 2026. Because the Dodd-Frank Act also requires similar adjustments in the Consumer Leasing Act’s threshold for exempt consumer leases, the Agencies are making similar amendments to each of their respective regulations implementing the Consumer Leasing Act elsewhere in the Rules section of this issue of the Federal Register.