WASHINGTON—The Federal Reserve Board and the CFPB on Monday announced updated dollar thresholds that will determine which consumer credit and lease transactions are covered by Truth in Lending and Consumer Leasing protections in 2026.
Based on a 2.1% annual increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) as of June 1, 2025, the agencies said Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) will generally apply to consumer credit transactions and consumer leases of $73,400 or less next year.
Federal law requires the agencies to adjust the thresholds annually to reflect inflation. Transactions at or below the threshold are subject to disclosure, cost, and consumer-protection requirements under the two regulations.
The agencies noted that certain loans—including private education loans and loans secured by real property, such as mortgages—remain subject to Regulation Z regardless of loan size.
The updated thresholds will take effect Jan. 1, 2026.
Read the Consumer Leasing (Regulation M)
Read the Truth in Lending (Regulation Z)