Thresholds for consumer loan and lease amounts subject to certain protections of Regulation Z (Truth in Lending Act) and Regulation M (Consumer Leasing Act) will rise in 2025 from $69,500 to $71,900, federal agencies said Friday.
The Consumer Financial Protection Bureau (CFPB) and Federal Reserve Board issued the changes based on the 3.4% annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Transactions at or below the higher thresholds (which are rounded up) are subject to the protections of the regulations, the agencies said.
The agencies noted that private education loans and loans secured by real property, such as mortgages, are subject to Regulation Z regardless of loan amount.
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