CFPB Final Rules and Regulatory Adjustments

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.