CFPBFinal RuleDecember 15, 2025

Truth in Lending (Regulation Z) Annual Threshold Adjustments (Credit Cards, HOEPA, and Qualified Mortgages)

Finance & BankingHousing

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

Key Dates

Published

December 15, 2025

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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.