Part of the consumer dispute playbook.
CFPB and Federal Reserve Announce 2026 Dollar Thresholds for Truth in Lending and Consumer Leasing Protections
The CFPB and the Federal Reserve Board have announced the updated dollar thresholds that determine which consumer credit and lease transactions are covered by federal disclosure protections in 2026. Transactions at or below these amounts must comply with Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing) rules.
What this means for you
Consumers in this situation should know that these thresholds set the boundary for which loans and leases legally require lenders and lessors to provide standardized cost disclosures. Transactions above the threshold — typically larger personal loans not secured by real estate — may fall outside these disclosure requirements. Knowing where a transaction falls relative to the threshold helps consumers understand what disclosures they are entitled to receive before signing. Reviewing any credit or lease agreement for itemized cost disclosures is a useful habit regardless of transaction size.
The facts
- The CFPB and the Federal Reserve Board jointly announced the dollar thresholds governing which consumer credit and lease transactions are subject to federal disclosure rules for 2026.per CFPB Newsroom · as of December 15, 2025
- The thresholds apply to Regulation Z, which implements the Truth in Lending Act, and Regulation M, which implements the Consumer Leasing Act.per CFPB Newsroom · as of December 15, 2025
- These thresholds are adjusted periodically and determine whether lenders and lessors must provide consumers with standardized cost and term disclosures on covered transactions.per CFPB Newsroom · as of December 15, 2025
- The announced thresholds take effect for consumer credit and lease transactions in 2026.per CFPB Newsroom · as of December 15, 2025
What you can do
When taking out a loan or signing a consumer lease, ask the lender or lessor upfront whether the transaction is covered by Truth in Lending or Consumer Leasing disclosures. Keeping a copy of all disclosure documents — including the Annual Percentage Rate, total payment amounts, and lease terms — makes it easier to spot errors or unexpected charges later. If a lender cannot or will not provide standard cost disclosures on a covered transaction, that is worth noting and documenting in writing.
Common questions
What do the 2026 Truth in Lending and Consumer Leasing dollar thresholds actually determine?
These thresholds set the maximum transaction size for which federal disclosure rules under Regulation Z and Regulation M apply. Loans and leases at or below the threshold must come with standardized disclosures — such as the Annual Percentage Rate and total cost of the transaction — so consumers can compare offers. Transactions above the threshold, such as larger non-real-estate personal loans, may not be subject to those same requirements.
Which federal agencies set these thresholds and how often are they updated?
The CFPB and the Federal Reserve Board jointly announce these thresholds. They are reviewed and adjusted on a periodic basis, with the agencies publishing updated figures in advance of each calendar year. The figures announced in December 2025 apply to transactions occurring throughout 2026.
Does the Truth in Lending Act cover auto leases?
Auto leases are generally covered under a separate but related law — the Consumer Leasing Act — which is implemented through Regulation M. The same dollar threshold announcement covers both Regulation Z (credit) and Regulation M (leasing), so consumers financing or leasing a vehicle should check whether their transaction falls within the covered range.