The Federal Reserve Board and the Consumer Financial Protection Bureau have announced updated dollar thresholds for consumer credit and lease transactions that will be subject to protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) for 2026.
The agencies are required by law to adjust these thresholds each year. The adjustments are based on changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Transactions that fall at or below these limits must comply with the consumer protection rules outlined in the regulations.
“By law, 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 a joint statement from both agencies.
More information about Regulation M can be found on their official site: Read the Consumer Leasing (Regulation M)