Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)
Summary
The Consumer Financial Protection Bureau adjusts the dollar limits used in lending laws to keep up with inflation each year. These adjustments affect credit card rules, protections for high-cost mortgages, and standards for qualified mortgages, ensuring that consumer protections remain meaningful as prices rise.
Key Points
- 1The CFPB raises dollar thresholds annually to account for inflation so that lending rules stay relevant and protective over time
- 2The adjustments apply to credit card regulations, high-risk mortgage protections (HOEPA), and qualified mortgage standards that lenders must follow
- 3These threshold changes affect when certain consumer protections kick in—for example, when a mortgage is considered high-cost or when a credit card term requires special disclosures
- 4Banks and credit card companies must comply with the new thresholds starting in the following year
- 5Consumers benefit because their protections against unfair lending practices don't get weaker due to inflation eroding the dollar amounts
Impact Assessment
If you are a consumer or homeowner, this means the dollar thresholds that trigger lending protections (like credit card disclosures and mortgage safeguards) are adjusted upward to reflect inflation, keeping these protections meaningful for similar loan amounts year after year.
National
Minimal
Key Dates
December 15, 2025
Regulatory Connections
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
Truth in Lending Act (Regulation Z) Adjustment to Asset-Size Exemption Threshold
Appraisals for Higher-Priced Mortgage Loans Exemption Threshold
Fair Credit Reporting Act Disclosures
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.