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Finance & markets · 17/09/2012Updated: 10/17/2026 · 1 min read

Bureau of Consumer Financial Protection Proposes Amendments to Regulation Z for Mortgage Servicing

Summary

The Bureau of Consumer Financial Protection is proposing changes to Regulation Z, which governs mortgage lending, to align with the Dodd-Frank Act provisions regarding mortgage loan servicing, including initial rate adjustment notices and prompt crediting of mortgage payments.

Original source language: Federal Register — Consumer Financial Protection BureauOpen original release →

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Finance & markets · 1/7/2026

Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold

The Consumer Financial Protection Bureau (Bureau) is amending the official commentary to its Regulation Z to adjust the asset-size exemptions for creditors and insured depository institutions, exempting them from escrow requirements for higher-priced mortgage loans. The exemption thresholds are increased to $2.785 billion for creditors and affiliates and $12.485 billion for insured depository institutions and credit unions with $10 billion or less in assets.

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Finance & markets · 12/23/2025

CFPB Issues Advisory Opinion on Earned Wage Access Products Under Regulation Z

The Consumer Financial Protection Bureau (CFPB) is issuing an advisory opinion to clarify the applicability of Regulation Z to earned wage access products, withdrawing a proposed interpretive rule in the process. The CFPB aims to resolve regulatory uncertainty regarding the definition of credit and finance charge under the Truth in Lending Act.

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