WASHINGTON—The 2026 adjustments for several transaction thresholds have been announced by the CFPB and Federal Reserve, respectively.
As posted in the Federal Register, the threshold for higher-priced mortgage loans subject to special appraisal requirements is increasing to $34,200 (from $33,500) effective Jan. 1. The new threshold is based on the 2.1% annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), as of June 1, 2025.
Special appraisal requirements are mandated by the Truth in Lending Act for higher-priced mortgages, including for creditors obtaining a written appraisal based on a physical visit to the interior of the home before making a higher-priced mortgage loan.
Reg Z & Reg M
In addition, based on the 2.1% CPI-W as of June 1, Truth in Lending (Reg Z) and Consumer leasing (Reg M) will generally apply to consumer credit transactions and consumer leases of $73,400 or less in 2026, according to the agencies, which further noted that private education loans and loans secured by real property, such as mortgages, are subject to Reg Z regardless of the loan amount.
Fed Payments Services
Meanwhile, the Fed has released the pricing for Federal Reserve Bank payments services effective with the new year, which includes check clearing, ACH transactions, instant payments and (ACH) wholesale payment and settlement services.
The Fed said that overall, price changes for 2026 will result in an estimated 0.9 percent average price increase for established, mature services.
