Agencies announce 2026 dollar thresholds, pricing adjustments

The CFPB and Federal Reserve announced 2026 adjustments to several transaction thresholds.

The threshold for higher-priced mortgage loans subject to special appraisal requirements is increasing to $34,200 (from $33,500) on Jan. 1. This is based on the 2.1% annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W), as of June 1, 2025.

The Truth in Lending Act requires special appraisal requirements for higher-priced mortgage loans. This includes creditors obtaining a written appraisal based on a physical visit to the interior of the home before making a higher-priced mortgage loan.

Also based on the 2.1% CPI-W as of June 1, Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing), will generally apply to consumer credit transactions and consumer leases of $73,400 or less in 2026. Private education loans and loans secured by real property, such as mortgages, are subject to Regulation Z regardless of the loan amount.

Additional analysis of the update thresholds can be found on America’s Credit Unions Compliance Blog.

The Federal Reserve has also announced its pricing for Federal Sereve Bank payments services effective Jan. 1. This includes the clearing of checks, automated clearing house (ACH) transactions, instant payments, and wholesale payment and settlement services.

Overall, price changes for 2026 will result in an estimated 0.9 percent average price increase for established, mature services.