Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold

Document 2026-00085 is a Final Rule published by the Consumer Financial Protection Bureau in the Federal Register on January 7, 2026, with an effective date of January 7, 2026. 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. View the original at https://www.federalregister.gov/documents/2026/01/07/2026-00085/truth-in-lending-act-regulation-z-adjustment-to-asset-size-exemption-threshold.

No. Document 2026-00085 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.