Truth in Lending and Leasing Rules: 2026 Dollar Thresholds Announced

CFPB Rules & Policy

Published December 15th, 2025

Detected February 11th, 2026

Summary

The CFPB and Federal Reserve announced the 2026 dollar thresholds for Truth in Lending (Regulation Z) and Consumer Leasing (Regulation M) rules. These thresholds, adjusted annually based on CPI-W, determine which consumer credit and lease transactions are subject to federal protections. For 2026, the general threshold is $73,400 or less.

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What changed

The Consumer Financial Protection Bureau (CFPB) and the Federal Reserve have announced the adjusted dollar thresholds for 2026 that determine the applicability of Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) to consumer credit and lease transactions. Based on a 2.1 percent increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), the general threshold for these regulations in 2026 will be $73,400 or less. Transactions at or below this amount are subject to the regulations' protections, although private education loans and loans secured by real property are exempt from this threshold.

Financial institutions offering consumer credit and leasing products should review these updated thresholds to ensure accurate application of Regulation Z and M protections for transactions occurring in 2026. While this announcement is informational, compliance programs should be updated to reflect the new dollar limits. No specific compliance deadline is provided, as the thresholds apply to transactions occurring in the subsequent year, but awareness and internal system adjustments should be completed prior to January 1, 2026.

What to do next

Update internal systems and compliance policies to reflect the 2026 dollar thresholds for Regulation Z and Regulation M.
Ensure all consumer credit and lease transactions in 2026 are correctly assessed against the new $73,400 threshold, noting exceptions for private education loans and real property-secured loans.

Source document (simplified)

The Federal Reserve Board and the Consumer Financial Protection Bureau today announced the dollar thresholds used to determine whether certain consumer credit and lease transactions in 2026 are subject to certain protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing).

By law, the agencies are required to adjust the thresholds annually based on the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers, known as CPI-W. Transactions at or below the thresholds are subject to the protections of the regulations.

Specifically, based on the 2.1 percent annual percentage increase in the CPI-W as of June 1, 2025, Regulation Z and Regulation M generally will apply to consumer credit transactions and consumer leases of $73,400 or less in 2026. However, private education loans and loans secured by real property, such as mortgages, are subject to Regulation Z regardless of the amount of the loan.

Read the Consumer Leasing (Regulation M)

Read the Truth in Lending (Regulation Z)

Media Contacts

CFPB: CFPB Media Relations

press@cfpb.gov
FRB: Meg Nelson
(202) 452-2955

The Consumer Financial Protection Bureau is a 21st century agency that implements and enforces Federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. For more information, visit www.consumerfinance.gov .

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Page last modified

Dec. 15, 2025

11:14 AM EST

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