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Finance & markets · 05/02/2021Updated: 10/17/2026 · 1 min read

Bureau Corrects Scrivener's Error in Qualified Mortgage Definition Under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition Document

Summary

The Bureau of Consumer Financial Protection recently published a correction to a document clarifying the definition of a Seasoned QM Loan under the Truth in Lending Act (Regulation Z), which was originally published in the Federal Register on December 29, 2020.

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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