The CFPB, Federal Reserve Board, and Office of the Comptroller of the Currency  announced the 2025 dollar threshold adjustments for certain consumer credit and lease transactions subject to Regulation Z and Regulation M protections, as well as certain higher-priced mortgage loans . These adjustments take effect Jan. 1, 2025.

• The threshold for higher-priced mortgage loans that are subject to special appraisal requirements increased from $32,400 to $33,500.
• Regulation Z and Regulation M will generally apply to consumer credit transactions and consumer leases of $71,900 or less. This is a 3.4% increase from $69,500, the 2024 threshold .

Federal regulators are required to adjust the thresholds every year based on the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers, or CPI-W.