Data / Federal rules / 2026-00085
Truth in Lending Act (Regulation Z) 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 the official commentary to its Regulation Z in order to make annual adjustments to the asset-size thresholds exempting certain creditors from the requirement to establish an escrow account for a higher-priced mortgage loan (HPML). The exemption threshold for creditors and their affiliates that regularly extended covered transactions secured by first liens is adjusted to $2.785 billion and the exemption threshold for certain insured depository institutions and insured credit unions with assets of $10 billion or less is adjusted to $12.485 billion.
Key facts
- Document number
- 2026-00085
- 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 1026
- Topics
- Advertising; Banks, banking; Consumer protection; Credit; Credit unions; Mortgages; Reporting and recordkeeping requirements; Savings associations
- Pages
- 6
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 |
| Appraisals for Higher-Priced Mortgage Loans Exemption Threshold 2025-22875 | Final rule | Dec 16, 2025 |
Everything from the Consumer Financial Protection Bureau · Rules on advertising · Rules on banks, banking · Rules on consumer protection · 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.