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CFPB Final Rule: 2026 Maximum Charge for FCRA Disclosures

The Consumer Financial Protection Bureau (CFPB) issued a final rule establishing the maximum allowable charge for Fair Credit Reporting Act (FCRA) disclosures for the 2026 calendar year. This annual adjustment is required by the FCRA.

Consumer Leasing Regulation M Final Rule - Threshold Update

The Consumer Financial Protection Bureau (CFPB) has finalized amendments to Regulation M, increasing the dollar threshold for exempt consumer leases from $71,900 to $73,400, effective January 1, 2026. This adjustment is mandated annually based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).

Truth in Lending Regulation Z Threshold Increase

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.

HPML Appraisal Exemption Threshold Increased to $34,200

The CFPB, OCC, and Federal Reserve have finalized amendments to the Truth in Lending Act (TILA) regulations, increasing the exemption threshold for higher-priced mortgage loan (HPML) appraisals. Effective January 1, 2026, the threshold will rise from $33,500 to $34,200, adjusted annually based on the CPI-W.

CFPB Guidance on Commenting on Bureau Notices and Regulations

The Consumer Financial Protection Bureau (CFPB) has updated its guidance on how the public can submit comments on Bureau notices and regulations. The document clarifies procedures for submitting comments, what types of comments are generally posted publicly, and what information should be excluded.

CFPB Archive of Closed Notices

The Consumer Financial Protection Bureau (CFPB) has archived a list of past notices that are no longer open for public comment. This archive includes various types of rulemaking notices, such as advance notices of proposed rulemaking, and provides links to the full text of these documents.