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Finance & markets · 19/08/2020Updated: 10/17/2026 · 1 min read

Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)

Summary

The Bureau of Consumer Financial Protection is issuing a final rule adjusting the annual threshold amounts for Regulation Z, which implements the Truth in Lending Act, in response to the annual percentage change in the Consumer Price Index as of June 1, 2020. The rule affects provisions related to credit cards, the Home Ownership and Equity Protection Act, and qualified mortgages.

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

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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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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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