Agencies Announce Dollar Thresholds for Applicability of Truth in Lending and Consumer Leasing Rules for Consumer Credit and Lease Transactions
New dollar thresholds for consumer credit and lease transactions have been set for 2026. The Federal Reserve Board and the Consumer Financial Protection Bureau (CFPB) announced the updated limits under Regulation Z and Regulation M. However, the exact figures from the CFPB and OCC are still pending official publication.
The 2026 thresholds will apply to consumer credit transactions and leases up to Ā£73,400. These limits are adjusted each year based on changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The annual update ensures that protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) keep pace with inflation.
Not all loans fall under these thresholds. Private education loans and mortgagesāloans secured by real propertyāremain subject to Regulation Z no matter the amount. The CFPB and the Office of the Comptroller of the Currency (OCC) will confirm the final 2026 figures in upcoming rulemaking or official notices.
The new thresholds will take effect in 2026, covering consumer credit and lease agreements below Ā£73,400. Once the CFPB and OCC release their final figures, lenders and financial institutions will need to adjust their compliance practices. The updates aim to maintain consistent protections as economic conditions change.
