By Mercedes Kelley Tunstall

Partner | Financial Regulation

The Consumer Financial Protection Bureau released its updated dollar amounts for the threshold at which consumer loans are not covered by much of the consumer protections available pursuant to the Truth In Lending Act (TILA) and the Consumer Leasing Act (CLA). For 2026, the exemption threshold increases to $73,400 from $71,900 in 2025. This adjustment in dollar amount is adjusted every year, which calculation is derived from the Consumer Price Index (CPI-W) that showed an increase of 2.1%. This means that when a non-mortgage loan or lease is made in an amount that exceeds $73,400 in 2026, such loan or lease is not subject to the majority of consumer protections available under TILA and CLA, including disclosure requirements.