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Finance & markets · 15/12/2025Updated: 10/17/2026 · 1 min read

Consumer Financial Protection Bureau Issues Final Rule for Truth in Lending Regulation Z Adjustments

Summary

The Consumer Financial Protection Bureau is updating the annual threshold amounts for Regulation Z, which implements the Truth in Lending Act, based on the annual percentage change of the Consumer Price Index as of June 1, 2025, affecting provisions related to credit cards, HOEPA, 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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