The Federal Reserve Board and the Consumer Financial Protection Bureau announced the dollar thresholds that determine whether certain consumer credit and lease transactions in 2026 are covered by protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing). Based on the annual adjustment required by law using the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), Regulation Z and Regulation M will generally apply in 2026 to consumer credit transactions and consumer leases of USD 73,400 or less. The agencies used a 2.1 percent annual increase in the CPI-W as of June 1, 2025 to set the updated threshold, and noted that private education loans and loans secured by real property, such as mortgages, remain subject to Regulation Z regardless of loan amount.
Federal Reserve Board 2025-12-15
Federal Reserve Board and Consumer Financial Protection Bureau set 2026 USD 73,400 threshold for Truth in Lending and Consumer Leasing coverage
The Federal Reserve Board and the Consumer Financial Protection Bureau announced the 2026 dollar thresholds for consumer credit and lease transactions under Regulation Z and Regulation M, set at USD 73,400 or less. The thresholds are based on a 2.1% annual increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Private education loans and loans secured by real property remain subject to Regulation Z regardless of amount.