CFPB Final Rules and Regulatory Adjustments
Summary
The Consumer Financial Protection Bureau (CFPB) has issued final rules and regulatory adjustments, including updates to the Rules of Practice for Adjudication Proceedings and adjustments to exemption thresholds for higher-priced mortgage loans and consumer leases under TILA and Regulation M. These changes are effective in late 2025 and early 2026.
What changed
The Consumer Financial Protection Bureau (CFPB) has published several final rules and regulatory adjustments. Key among these are amendments to the Rules of Practice for Adjudication Proceedings, rescinding prior amendments from 2022 and 2023. Additionally, the CFPB, along with other agencies, is finalizing amendments to official interpretations for regulations implementing section 129H of the Truth in Lending Act (TILA), adjusting the exemption threshold for higher-priced mortgage loans based on CPI-W as of June 1, 2025. Similarly, the exemption threshold for consumer leases under Regulation M will increase from $71,900 to $73,400, effective January 1, 2026.
These updates will impact financial institutions, particularly those involved in mortgages and consumer lending. Regulated entities should review the specific changes to the Rules of Practice and the adjusted exemption thresholds for higher-priced mortgage loans and consumer leases. The adjustments to mortgage and leasing thresholds become effective January 1, 2026, requiring entities to update their systems and compliance procedures to reflect the new dollar amounts for exemptions. Failure to comply with these updated regulations could lead to enforcement actions by the CFPB.
What to do next
- Review amendments to the Rules of Practice for Adjudication Proceedings.
- Update systems and compliance procedures to reflect new exemption thresholds for higher-priced mortgage loans and consumer leases effective January 1, 2026.
Source document (simplified)
Final rules
Rules listed here are final rules issued by the CFPB. To identify all the rules related to a single consumer financial product, use the filter tool below.
Types of final rules
Final Rule
Other than interim final rules, this includes all CFPB final rules, including procedural and interpretive rules. Generally, final rules go through notice and comment before issuance.
Interim Final Rule
Under some circumstances, the CFPB may issue final rules without a comment period before issuance. The CFPB may request comment on these rules and may later alter the rules, if necessary.
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Final rule
DEC 17, 2025
Rules of Practice for Adjudication Proceedings
The Rules of Practice for Adjudication Proceedings govern adjudication proceedings conducted by the Consumer Financial Protection Bureau (CFPB). This final rule rescinds certain amendments it adopted to the Rules of Practice on February 22, 2022, and March 29, 2023 (2022 and 2023 amendments).
- Adjudication
- Rulemaking
Final rule
DEC 15, 2025
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
The OCC, the Board, and the Bureau are finalizing amendments to the official interpretations for their regulations that implement section 129H of the Truth in Lending Act (TILA) based on the CPI-W in effect as of June 1, 2025.
- Access to credit
- Banking
- Mortgages
- Rulemaking
- Truth in Lending Act (TILA)
Final rule
DEC 15, 2025
Truth in Lending (Regulation Z)
Based on the annual percentage increase in the CPI-W as of June 1, 2025, the exemption threshold for consumer credit transactions in Regulation Z will increase from $71,900 to $73,400 effective, January 1, 2026.
- Access to credit
- Mortgages
- Rulemaking
- Truth in Lending Act (TILA)
Final rule
DEC 15, 2025
Consumer Leasing (Regulation M)
Based on the annual percentage increase in the CPI-W as of June 1, 2025, the exemption threshold for consumer leases in Regulation M will increase from $71,900 to $73,400 effective January 1, 2026.
- Access to credit
- Regulation M
- Rulemaking
Final rule
DEC 15, 2025
Fair Credit Reporting Act Disclosures
The Consumer Financial Protection Bureau is required to calculate annually the dollar amount of the maximum allowable charge for disclosures by a consumer reporting agency to a consumer pursuant to section 609 of the FCRA; this final rule establishes the maximum allowable charge for the 2026 calendar year.
- Credit reports and scores
- Fair Credit Reporting Act
Final rule
DEC 15, 2025
Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
The Bureau is required to calculate annually the dollar amounts for several provisions in Regulation Z; this final rule revises dollar amounts for certain provisions implementing TILA and amendments to TILA.
- Access to credit
- Mortgages
- Rulemaking
- Truth in Lending Act (TILA)
Final rule
DEC 11, 2025
Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission
The CFPB is issuing a final rule to rescind its rule establishing a registry of certain final public orders applicable to certain nonbank covered persons.
- Rulemaking
- Supervision
Final rule
NOV 13, 2025
Small Business Lending under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates
CFPB finalizes its June 2025 interim final rule amending Regulation B, extending compliance dates in its 2023 small business lending rule and making other adjustments.
- Access to credit
- Business loans
- Data
- Discrimination
- Equal Credit Opportunity Act
- Fair lending
- Redlining
- Regulation B
- Rulemaking
Interim final rule
JUN 18, 2025
Small Business Lending under the Equal Credit Opportunity Act (Regulation B); Extension of Compliance Dates 2025
Small business lending rule extension of compliance dates 2025
- Access to credit
- Business loans
- Data
- Discrimination
- Equal Credit Opportunity Act
- Fair lending
- Redlining
- Regulation B
- Rulemaking
Final rule
JAN 07, 2025
Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)
The CFPB is finalizing a rule amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), concerning medical information.
- Credit cards
- Credit reports and scores
- Medical debt
- Mortgages
- Regulation V
Final rule
JAN 03, 2025
Civil Penalty Inflation Adjustments
The Bureau is adjusting for inflation the maximum amount of each civil penalty within the Bureau’s jurisdiction.
- Civil Penalty Fund
- Enforcement
- Rulemaking
Final rule
DEC 18, 2024
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
The Consumer Financial Protection Bureau (Bureau) is issuing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
- Banking
- Home Mortgage Disclosure Act
- Mortgages
- Rulemaking
Final rule
DEC 18, 2024
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
This rule amends Regulation Z (Truth in Lending) to implement certain amendments to the Truth in Lending Act made by the Dodd-Frank Act. This rule amends the official commentary that interprets the requirements of the Bureau’s Regulation Z (Truth in Lending) to reflect changes in the asset-size thresholds for certain creditors to qualify for an exemption to the requirement to establish an escrow account for a higher-priced mortgage loan. These changes reflect updates to, together with affiliates that regularly extended covered transactions secured by first liens, had total assets of less than $2 billion (adjusted annually for inflation) and the exemption the Bureau added, by implementing section 108 of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), for certain insured depository institutions and insured credit unions with assets of $10 billion or less (adjusted annually for inflation). These amendments are based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
- Banking
- Mortgage servicing
- Mortgages
- Rulemaking
- Truth in Lending Act (TILA)
Final rule
DEC 17, 2024
Residential Property Assessed Clean Energy Financing (Regulation Z)
In this final rule, the CFPB amends Regulation Z to address how the Truth in Lending Act applies to Property Assessed Clean Energy (PACE) transactions.
- Mortgages
- Rulemaking
- Truth in Lending Act (TILA)
Final rule
DEC 12, 2024
Overdraft Lending: Very Large Financial Institutions Final Rule
The CFPB is issuing this final rule to allow consumers to better comparison shop across credit products and provide substantive protections that apply to other consumer credit.
- Credit cards
- Debit cards
- Electronic payments
- Overdraft
- Rulemaking
- Small dollar lending
Final rule
NOV 21, 2024
Defining Larger Participants of a Market for General-Use Digital Consumer Payment Applications
Final rule to establish CFPB authority to supervise and examine larger participants of a market for general-use digital consumer payment applications (funds transfer apps and digital payment wallets.)
- Compliance
- Consumer Financial Protection Bureau
- Electronic payments
- Financial service providers
- Money transfers
- Prepaid cards
- Rulemaking
- Supervision
Final rule
NOV 21, 2024
Fair Credit Reporting Act Disclosures Annual Adjustment
This final rule amends an appendix for Regulation V, which implements the Fair Credit Reporting Act (FCRA).
- Credit reports and scores
- Fair Credit Reporting Act
Final rule
NOV 20, 2024
Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
This final rule revises, as applicable, dollar amounts for provisions implementing TILA and amendments to TILA.
- Access to credit
- Credit CARD Act
- Credit cards
- Mortgages
- Truth in Lending Act (TILA)
Final rule
OCT 22, 2024
Required Rulemaking on Personal Financial Data Rights
CFPB Issues Required Rulemaking on Personal Financial Data Rights (CFPA section 1033).
- Banking
- Checking account
- Credit cards
- Data
- Debit cards
- Electronic payments
- Privacy
- Rulemaking
Final rule
OCT 04, 2024
Consumer Leasing (Regulation M) Annual Threshold Adjustments
This final rule increases the dollar threshold for exempt consumer leases under Regulation M from $61,000 to $66,400, effective January 1, 2023.
- Access to credit
- Regulation M
- Rulemaking
Final rule
OCT 04, 2024
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold Adjustments
This final rule increases the dollar threshold exempting certain credit extensions from the special appraisal requirements for higher-priced mortgage loans from $28,500 to $31,000, effective January 1, 2023.
- Access to credit
- Banking
- Mortgages
- Rulemaking
- Truth in Lending Act (TILA)
Final rule
OCT 04, 2024
Truth in Lending (Regulation Z) Threshold Adjustments
This final rule increases the dollar threshold for certain exempt consumer credit transactions under Regulation Z from $61,000 to $66,400, effective January 1, 2023.
- Access to credit
- Mortgages
- Rulemaking
- Truth in Lending Act (TILA)
Final rule
OCT 01, 2024
Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt
The CFPB is issuing this advisory opinion to remind debt collectors of their obligation to comply with the Fair Debt Collection Practices Act and Regulation F’s prohibitions on false, deceptive, or misleading representations or means in connection with the collection of any medical debt and unfair or unconscionable means to collect or attempt to collect any medical debts.
- Debt collection
- Fair Debt Collection Practices Act
- Medical debt
Final rule
AUG 13, 2024
Truth in Lending (Regulation Z); Consumer Protections for Home Sales Financed Under Contracts for Deed
The Truth in Lending Act generally applies to transactions in which a consumer purchases a home under a “contract for deed.”
- Compliance
- Mortgages
Final rule
JUL 17, 2024
Quality Control Standards for Automated Valuation Models
The final rule implements quality control standards for the use of automated valuation models by mortgage originators and secondary market issuers in determining the collateral worth of a mortgage secured by a consumer’s principal dwelling.
- Mortgages
Page last modified
Apr. 12, 2021
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