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Wednesday
Jan142026

What's New? Updated thresholds for Regulations M, V, and Z

DateWednesday, January 14, 2026 at 11:06AM by AuthorBanking Spectrum

Effective January 1, 2026, five final rules issued by the CFPB will increase various regulatory dollar thresholds for Regulations M, V, and Z. These updates include higher loan amount triggers for high-cost mortgages and Qualified Mortgages, as well as an increases to exemption thresholds. For more information, see the corresponding releases:

Regulation Z (Annual Threshold Adjustments)

Higher-priced Mortgage Exemption

Regulation Z (TILA)

Regulation M

Regulation V

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