Monday was the day for federal financial regulators to set various fee limits and dollar thresholds for the coming year, including those for fair credit reporting, truth in lending and consumer leasing, and appraisal requirements for some mortgages.
The Consumer Financial Protection Bureau (CFPB), as required by law, announced a $16 ceiling on allowable charges a consumer reporting agency may assess on disclosures to a consumer under the Fair Credit Reporting Act (FCRA). That’s an increase from 2025, when it was $15.50.
Meanwhile, the CFPB and Federal Reserve revealed a $73,400 threshold for determining whether certain consumer credit and lease transactions in 2026 are subject to protections under Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing).
The agencies must, by law, adjust the threshold annually based on the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Transactions at or below the thresholds are subject to the protections of the regulations.
Based on the 2.1% annual percentage increase in the CPI-W as of June 1, 2025, the agencies said, Regulation Z and Regulation M apply to consumer credit transactions and consumer leases of $73,400 or less in 2026.
Finally, the CFPB, Fed and the Office of the Comptroller of the Currency (OCC) set a 2026 threshold for higher-priced mortgage loans that are subject to special appraisal requirements to $34,200. That’s up from $33,500 for 2025.
Like the consumer credit and lease threshold, the threshold is based on the 2.1% annual increase in the CPI-W as of June 1, 2025.
The new threshold takes effect Jan. 1, the three agencies said.
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