CFPBFinal Rule
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
Finance & BankingHousing
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Summary
This rule adjusts the size threshold that determines which lenders must follow detailed federal lending rules under the Truth in Lending Act. The change affects which banks and financial companies have to provide borrowers with clear disclosures about loan terms, interest rates, and costs.
Key Points
- 1The rule updates the asset-size threshold that exempts smaller lenders from certain Truth in Lending Act requirements
- 2Smaller financial institutions may become subject to or exempted from stricter lending disclosure rules depending on the direction of the threshold change
- 3Borrowers may see changes in how loan documents are prepared and presented, depending on which lenders are affected
- 4Lenders will need to review their compliance procedures to determine if they now fall above or below the new asset threshold
- 5The change takes effect after the published date and lenders will have time to adjust their practices accordingly
Key Dates
Published
January 7, 2026
This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.
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