CFPB Issues Final Rule Amending Regulation C (Home Mortgage Disclosure)
January 7, 2026 / Source: Consumer Financial Protection Bureau
The Consumer Financial Protection Bureau (Bureau) is issuing a final rule amending the official commentary that interprets the requirements of the Bureau’s Regulation C (Home Mortgage Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).
Annual adjustments
- The exemption threshold is adjusted to increase to $59 million from $58 million. The adjustment is based on the 2.5 percent increase in the average of the CPI-W for the 12-month period ending in November 2025. Therefore, banks, savings associations, and credit unions with assets of $59 million or less as of Dec. 31, 2025, are exempt from collecting data in 2026.