The Federal Reserve Board and the Consumer Financial Protection Bureau have announced the updated dollar thresholds that will determine which consumer credit and lease transactions in 2026 fall under protections set by Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing).
These thresholds are reviewed each year, as required by law, using changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). The agencies stated, “Transactions at or below the thresholds are subject to the protections of the regulations.”
The annual adjustment ensures that more consumers continue to receive protection from these regulations as prices change over time.
For more details on consumer leasing rules, see Consumer Leasing (Regulation M).
