Data / Federal rules / 2026-00087
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
The Consumer Financial Protection Bureau published this final rule in the Federal Register on January 7, 2026. It took effect on January 7, 2026.
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What the agency says
The Consumer Financial Protection Bureau (Bureau) is amending official commentary interpreting requirements of the Bureau's Regulation C to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the 2.5 average percent increase in the CPI-W for the 12-month period ending November 2025, the exemption threshold is adjusted to $59 million from $58 million. Institutions with assets of $59 million or less as of December 31, 2025, are exempt from collecting data in 2026.
Key facts
- Document number
- 2026-00087
- Type
- Final rule
- Action
- Final rule; official interpretation
- Agency
- Consumer Financial Protection Bureau
- Published
- January 7, 2026
- Takes effect
- January 7, 2026
- Dates
- This rule is effective on January 7, 2026.
- Code of Federal Regulations
- 12 CFR 1003
- Topics
- Banks, banking; Credit unions; Mortgages; Reporting and recordkeeping requirements; Savings associations
- Pages
- 3
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 |
| Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold 2026-00085 | Final rule | Jan 7 |
| Appraisals for Higher-Priced Mortgage Loans Exemption Threshold 2025-22875 | Final rule | Dec 16, 2025 |
Everything from the Consumer Financial Protection Bureau · Rules on banks, banking · Rules on credit unions · Rules on mortgages · Published in January 2026
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.