On December 15, the CFPB issued a final rule in the Federal Register its annual inflation adjustments for dollar thresholds under Regulation Z, which implements TILA. The final rule, effective January 1, 2026, updated various thresholds for open-end consumer credit, Home Ownership and Equity Protection Act of 1994 (HOEPA), and qualified mortgage provisions based on inflation. For 2026, the minimum interest charge disclosure threshold for open-end consumer credit remains at $1, while the HOEPA total loan amount threshold for high-cost mortgages increased to $27,592, and the points-and-fees trigger for high-cost mortgages rose to $1,380. The CFPB also adjusted the thresholds for qualified mortgages, including changes to the (i) spread between the annual percentage rate and the average prime offer rate, and (ii) points-and-fees limits to reflect a 2.3 percent increase in inflation.