Data / Federal rules / 2025-22813
Consumer Leasing (Regulation M)
The Consumer Financial Protection Bureau published this final rule in the Federal Register on December 15, 2025. It took effect on January 1, 2026.
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What the agency says
The Board and the Bureau (collectively, Agencies) are finalizing amendments to the official interpretations for the Agencies' regulations that implement the Consumer Leasing Act (CLA). The Dodd- Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended the CLA by requiring that the dollar threshold for exempt consumer leases be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the annual percentage increase in the CPI-W as of June 1, 2025, the exemption threshold will increase from $71,900 to $73,400 effective January 1, 2026. Because the Dodd-Frank Act also requires similar adjustments in the Truth in Lending Act's threshold for exempt consumer credit transactions, the Agencies are making similar amendments to each of their respective regulations implementing the Truth in Lending Act elsewhere in the Rules section of this issue of the Federal Register.
Key facts
- Document number
- 2025-22813
- Type
- Final rule
- Action
- Final rules and official interpretations
- Agency
- Federal Reserve System; Consumer Financial Protection Bureau
- Published
- December 15, 2025
- Takes effect
- January 1, 2026
- Dates
- This final rule is effective January 1, 2026.
- Docket
- Docket No. R-1879
- Regulation ID (RIN)
- 7100-AH11
- Code of Federal Regulations
- 12 CFR 213; 12 CFR 1013
- Topics
- Administrative practice and procedure; Advertising; Consumer protection; Reporting and recordkeeping requirements
- Pages
- 5
Other documents from the Consumer Financial Protection Bureau
| Document | Type | Published |
|---|---|---|
| Request for Information Regarding Promoting Access to Mortgage Credit 2026-13834 | Proposed rule | Jul 9 |
| Financial Data Transparency Act Joint Data Standards 2026-12787 · significant | Final rule | Jun 25 |
| Equal Credit Opportunity (Regulation B); Special Purpose Credit Programs; Rescission 2026-12149 | Final rule | Jun 17 |
| Small Business Lending Under the Equal Credit Opportunity Act (Regulation B) 2026-08494 · significant | Final rule | May 1 |
| Equal Credit Opportunity Act (Regulation B) 2026-07804 · significant | Final rule | Apr 22 |
| Equal Credit Opportunity Act (Regulation B) C1-2025-19864 · significant | Proposed rule | Feb 25 |
| Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold 2026-00087 | Final rule | Jan 7 |
| Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold 2026-00085 | Final rule | Jan 7 |
Everything from the Consumer Financial Protection Bureau · Rules on administrative practice and procedure · Rules on advertising · Rules on consumer protection · Published in December 2025
Read from the Federal Register API, last updated 2026-10-23. The document on federalregister.gov is the official record; dates and dockets can change through later corrections. Free to reuse with credit to SpecStream under CC BY 4.0.