The Consumer Financial Protection Bureau (CFPB) recently announced five final rules that adjust certain dollar thresholds used in Regulations M, V, and Z. These adjustments are effective January 1, 2026.
The first rule amends Regulation Z, which implements the Truth in Lending Act (TILA), to adjust threshold dollar amounts for certain provisions impacting HOEPA loans and qualified mortgages. You can read more about them here.
The second rule is a joint rulemaking between the CFPB, the Federal Reserve Board, and the Office of the Comptroller of the Currency to adjust the threshold for exempting loans from special appraisal requirements under the TILA Higher Priced Mortgage Loan Appraisal rule. You can read more about the adjustments here.
The third and fourth rules are joint rulemakings between the CFPB and the Federal Reserve Board to adjust the thresholds in Regulation Z and Regulation M for determining the exempt consumer credit transactions under TILA and the exempt consumer lease transactions under the Consumer Leasing Act. You can read more about the Regulation Z threshold adjustment here. You can read more about the Regulation M threshold adjustment here.
The fifth rule amends an appendix for Regulation V, which implements the Fair Credit Reporting Act, adjusting the maximum allowable charge for disclosures by a consumer reporting agency to a consumer for 2026. You can read more about the Regulation V threshold adjustment here.
For more information, email Heather Line.
Your League-member benefits include the Compliance Hotline — providing exclusive access to dedicated compliance experts:
Using the above phone number and email address, you can gain access to a knowledgeable team that’s ready to address all your credit union’s compliance inquiries — promptly and efficiently. With the Compliance Hotline, you can proactively respond to impromptu questions and issues by getting clarity and insight on technical topics that normally slow you down. We want to help you unlock the full potential of your League membership by leveraging the resources and support you need to navigate the complex world of compliance effortlessly. We’re ALWAYS just a phone call or email away!
Additionally, other League-member compliance resources include:
Powered by ViClarity, a California’s Credit Unions and Nevada’s Credit Unions company.
