WASHINGTON–The Federal Reserve Board and the Consumer Financial Protection Bureau have released the dollar thresholds that are to be used in determining to determine certain consumer credit and lease transactions in 2026 are subject to certain protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing).
The agencies are required to adjust the thresholds annually based on the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers, known as CPI-W. Transactions at or below the thresholds are subject to the protections of the regulations.
According to the two agencies, , based on the 2.1% annual percentage increase in the CPI-W as of June 1, Regulation Z and Regulation M generally will apply to consumer credit transactions and consumer leases of $73,400 or less in 2026.
However, private education loans and loans secured by real property, such as mortgages, are subject to Regulation Z regardless of the amount of the loan, the agencies noted.
For more on Reg M, go here.
For more on Reg Z, go here.
