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Consumer Financial Protection Bureau

Agencies Announce Dollar Thresholds for Applicability of Truth in Lending and Consumer Leasing Rules for Consumer Credit and Lease Transactions

December 15, 2025

Summary

The CFPB and the Federal Reserve Board have updated the dollar thresholds for 2026 that determine the scope of Reg Z and Reg M protections. These adjustments ensure that consumer credit and lease transactions remain subject to TILA and Consumer Leasing Act requirements based on annual inflation indices.

AI-generated summary · May 24, 2026. Verify with your compliance counsel before acting.

How this was generated

We record the exact prompt, model, and output for every AI response so it can be audited for accuracy.

The CFPB and the FRB are announcing the dollar thresholds used to determine whether certain consumer credit and lease transactions in 2026 are subject to certain protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing).

Source: https://www.consumerfinance.gov/about-us/newsroom/agencies-announce-dollar-thresholds-for-applicability-of-truth-in-lending-and-consumer-leasing-rules-for-consumer-credit-and-lease-transactions-2025/

Common questions

What does "Agencies Announce Dollar Thresholds for Applicability of Truth in Lending and Consumer Leasing Rules for Consumer Credit and Lease Transactions" cover?
The CFPB and the Federal Reserve Board have updated the dollar thresholds for 2026 that determine the scope of Reg Z and Reg M protections. These…
Which agency issued this update?
This update was issued by Consumer Financial Protection Bureau.
When was it published?
It was published on December 15, 2025.

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