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ERISA, HIPAA, COBRA Technical Releases

The Department of Labor's Employee Benefits Security Administration (EBSA) has compiled a list of technical releases related to ERISA, HIPAA, and COBRA. These releases provide guidance on various aspects of employee benefit plans, including health insurance, claims, and disclosures.

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.

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.

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).

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.

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.

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.

CFTC Staff Letters on No-Action Positions

The CFTC has published staff letters providing no-action positions on various regulations. These letters offer guidance and relief to market participants regarding specific regulatory requirements. The CFTC staff letters are available on their website for review.

CFTC Staff Letters on Digital Assets

The CFTC has published staff letters providing regulatory guidance on digital assets. These letters offer interpretations and no-action relief related to various regulations under the Commodity Exchange Act. They are intended to assist market participants in navigating compliance requirements.

CFTC Exempts Senior Employees from QEP Requirements

The CFTC has issued guidance exempting certain senior employees from the definition of 'Qualified Eligible Person' (QEP) under CFTC regulations. This exemption applies to individuals who meet specific compensation and experience criteria, aiming to reduce regulatory burdens for market participants.