The Federal Reserve Board and the Consumer Financial Protection Bureau have announced the dollar thresholds that determine whether certain consumer credit and lease transactions in 2026 fall under the protections of Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing). Based on the 2.1 percent annual increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) as of June 1, 2025, the agencies set the general threshold at USD 73,400 for 2026, meaning covered protections apply to consumer credit transactions and consumer leases at or below that amount. Private education loans and loans secured by real property, including mortgages, remain subject to Regulation Z regardless of loan size.
Consumer Financial Protection Bureau 2025-12-15
US Consumer Financial Protection Bureau and Federal Reserve Board set 2026 Truth in Lending and Consumer Leasing thresholds at USD 73,400
The Federal Reserve Board and the Consumer Financial Protection Bureau have set the 2026 dollar threshold for consumer credit and lease transactions under Regulation Z and Regulation M at USD 73,400, reflecting a 2.1% CPI-W increase. Private education loans and real property-secured loans, including mortgages, remain subject to Regulation Z regardless of size.