Finanse i konsumenci · 07/01/2026

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.