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Finance & markets · 04/02/2019Updated: 10/17/2026 · 1 min read

Bureau of Consumer Financial Protection Amends Regulation Z to Reflect Change in Asset-Size Exemption Threshold

Summary

The Bureau of Consumer Financial Protection is updating its official commentary on Regulation Z to reflect a change in the asset-size threshold for certain creditors to qualify for an exemption from establishing escrow accounts for higher-priced mortgage loans, based on the Consumer Price Index for Urban Wage Earners and Clerical Workers.

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 · 1/7/2026

Consumer Financial Protection Bureau Adjusts Asset-Size Exemption Threshold for Banks and Credit Unions Under Regulation C

The Consumer Financial Protection Bureau (Bureau) is adjusting the asset-size exemption threshold for banks, savings associations, and credit unions under Regulation C based on the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The threshold has been increased to $59 million, effective for institutions as of December 31, 2025, with those having assets of $59 million or less exempt from data collection in 2026.

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