CFPB updates TILA, CLA, FCRA thresholds for 2026 

The Consumer Financial Protection Bureau issued annual threshold adjustments that are effective Jan. 1, 2026.   

TILA: The CFPB issued a final rule amending the official interpretations for Regulation Z, which implements the Truth in Lending Act. Under the final rule: 

• The threshold that triggers requirements to disclose minimum interest charges will remain unchanged at $1.  

• For Home Ownership and Equity Protection Act loans, the adjusted total loan amount threshold for high-cost mortgages in 2026 will be $27,592.  

• The adjusted points-and-fees dollar trigger for high-cost mortgages in 2026 will be $1,380.  

• For qualified mortgages, the thresholds for the spread between the annual percentage rate and the average prime offer rate will range from 3.5 to 6.5 percentage points.  

Consumer Leasing: The CFPB finalized amendments to the regulations that implement the Consumer Leasing Act. The exemption threshold will increase from $71,900 to $73,400 effective Jan. 1. 

Fair Credit Reporting Act: The CFPB issued the annual adjustment to the maximum amount consumer reporting agencies may charge consumers for making a file disclosure to a consumer under FCRA. The ceiling on allowable charges under Section 612(f) of the FCRA will increase to $16.00 for 2026.