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CFPB Rulemaking: Auto Financing, Debt Collection, Consumer Reporting

The CFPB is considering new rules to define larger participants in the automobile financing, consumer debt collection, and international money transfer markets. These actions are part of the Bureau's rulemaking process to address key consumer financial markets.

CFPB, FRB, OCC Announce 2026 Higher-Priced Mortgage Loan Appraisal Exemption Threshold

The CFPB, Federal Reserve Board, and OCC announced the 2026 threshold for higher-priced mortgage loan appraisal exemptions will increase to $34,200 from $33,500. This annual adjustment reflects changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers.

Truth in Lending and Leasing Rules: 2026 Dollar Thresholds Announced

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.

CFPB Final Rules and Regulatory Adjustments

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.

SEC and CFTC Joint Event on Crypto Harmonization

The SEC and CFTC will hold a joint event on January 27, 2026, to discuss harmonization efforts and U.S. financial leadership in the crypto era. The event aims to address regulatory clarity for market participants and foster innovation in the cryptocurrency space.

SEC Appoints New Chairman and Board Members to PCAOB

The SEC announced the appointment of Demetrios Logothetis as Chairman and three new members to the Public Company Accounting Oversight Board (PCAOB). These appointments are intended to usher in a new era of sensible and efficient oversight of auditors, focusing on the PCAOB's core mission of investor protection.

SEC Publishes Data on ETFs, Fund Mergers, and Advisors

The SEC's Division of Economic and Risk Analysis has published new reports on active ETFs and fund mergers, along with updated statistics for municipal advisors, transfer agents, and security-based swap dealers. These publications provide data and analysis on market trends and investor fee impacts.

SEC v. Ryan Squillante - Insider Trading Enforcement

The SEC announced a final consent judgment against Ryan Squillante for insider trading. Squillante was ordered to pay disgorgement and prejudgment interest totaling $250,765, which was satisfied by a criminal fine in a parallel case. The SEC alleges he used confidential information to trade in at least ten securities.

SEC Obtains Judgments Against Shvartsman Brothers for Insider Trading

The SEC announced it obtained final consent judgments against Gerald and Michael Shvartsman for insider trading in DWAC securities, resulting in disgorgement of over $22 million. The action also involved parallel criminal proceedings, and the SEC voluntarily dismissed its claims against Rocket One Capital LLC.

SEC Charges Marat Likhtenstein with $4 Million Offering Fraud

The SEC has charged Marat Likhtenstein with an offering fraud scheme that raised over $4.1 million. Likhtenstein allegedly misappropriated investor funds for personal expenses and Ponzi-like payments. He consented to injunctive relief, with monetary relief to be determined.