On December 16, the OCC, the Fed, and the CFPB published a final rule in the Federal Register raising the TILA exemption threshold for smaller loans from $33,500 to $34,200. The final rule will go into effect January 1, 2026. The agencies based this $700 adjustment on a 2.1 percent increase in a specific consumer price index from April 2024 to April 2025, as reported on May 13, 2025. The agencies finalized these amendments to the official interpretations for their regulations that implement Section 129H of TILA.