Federal Reserve Press
Dec 15, 2025
Rules
- Smaller loan exemption from appraisal requirements for higher-priced mortgage loans announced with specific dollar thresholds
- No explicit mention of Texas-specific entities or regulations
Federal Reserve Press
Dec 15, 2025
Rules
The agencies have established new dollar thresholds for the applicability of Truth in Lending and Consumer Leasing rules. These changes will affect how these regulations apply to consumer credit and lease transactions.
CFPB Final Rules
Dec 15, 2025
Rules
The OCC, the Board, and the Bureau are finalizing amendments to their regulations based on the CPI-W as of June 1, 2025. These changes will affect appraisals for higher-priced mortgage loans.
CFPB Final Rules
Dec 15, 2025
Rules
- The exemption threshold for consumer credit transactions in Regulation Z will increase from $71,900 to $73,400 effective January 1, 2026. - This change is based on the annual percentage increase in the CPI-W...
CFPB Final Rules
Dec 15, 2025
Rules
The exemption threshold for consumer leases under Regulation M will increase from $71,900 to $73,400 effective January 1, 2026; this change is based on the annual percentage increase in the CPI-W as of June...
CFPB Final Rules
Dec 15, 2025
Rules
The Consumer Financial Protection Bureau has established the maximum allowable charge for disclosures by a consumer reporting agency to a consumer in 2026; this rule does not provide specific details on the dollar amount.
CFPB Final Rules
Dec 15, 2025
Rules
The Bureau has revised the dollar amounts for certain provisions in Regulation Z implementing Truth in Lending Act (TILA), including adjustments for credit cards, Home Ownership and Equity Protection Act (HOEPA) loans, and Qualified...
CFPB Newsroom
Dec 15, 2025
Rules
- The CFPB and the FRB have announced dollar thresholds for determining applicability of Regulation Z (Truth in Lending) and Regulation M (Consumer Leasing). - These thresholds will be used to decide if certain...
CFPB Newsroom
Dec 15, 2025
Rules
- The threshold for higher-priced mortgage loans subject to special appraisal requirements will increase from $33,500 to $34,200.
- This change applies starting in 2026.
CFPB Final Rules
Dec 11, 2025
Rules
The CFPB rescinds its rule establishing a registry of certain final public orders applicable to nonbank covered persons. This action affects the regulatory landscape for these entities but does not explicitly impact Texas credit...
FDIC Press Releases
Nov 28, 2025
Rules
The FDIC has issued the CRA examination schedule for the first quarter of 2026. The schedule includes institutions based on their asset size and CRA rating, with specific intervals between examinations depending on these...
Fed Supervision & Regulation
Nov 25, 2025
Rules
The agencies have finalized a rule modifying certain regulatory capital standards. This change will affect how credit unions calculate and maintain their capital ratios.
CFPB Final Rules
Nov 13, 2025
Rules
• Compliance dates for small business lending under Regulation B have been extended until June 2025.
• The CFPB finalized an interim final rule that amends Regulation B, making other adjustments.
Fed Supervision & Regulation
Nov 05, 2025
Rules
- The Federal Reserve Board has finalized changes to its supervisory rating framework for large bank holding companies.
- These changes will affect how the Fed evaluates and rates these institutions.
CFPB Final Rules
Jun 18, 2025
Rules
The Equal Credit Opportunity Act (Regulation B) compliance dates for small business lending have been extended until 2025. This extension applies to all credit unions, including those in Texas.
CFPB Newsroom
Mar 31, 2025
Rules
• The data includes loan-level information from financial institutions, modified for consumer privacy.
• The data set is now available for 2024 HMDA reporting.
FDIC Financial Institution Letters
Mar 03, 2025
Rules
TX
• Compliance date for certain provisions in the FDIC’s Sign and Advertising Rule has been delayed until March 1, 2026.
• The delay applies specifically to requirements related to digital channels and ATMs.
CFPB Final Rules
Jan 07, 2025
Rules
The CFPB is finalizing a rule amending Regulation V under the FCRA, which prohibits creditors and consumer reporting agencies from including medical information in consumer reports. This change aims to protect consumers' privacy by...
CFPB Final Rules
Dec 18, 2024
Rules
The final rule adjusts the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the CPI-W. This affects how these institutions report home mortgage data under...
CFPB Final Rules
Dec 18, 2024
Rules
• The rule amends Regulation Z to implement changes made by the Dodd-Frank Act and updates asset-size thresholds for certain creditors. • The exemption for escrow accounts in higher-priced mortgage loans now applies to...
CFPB Final Rules
Dec 17, 2024
Rules
The CFPB amends Regulation Z to clarify how the Truth in Lending Act applies to PACE transactions. This rule does not specify a deadline for compliance.
CFPB Final Rules
Dec 12, 2024
Rules
The CFPB final rule aims to enhance consumer comparison shopping for overdraft lending products and includes substantial protections similar to those in other consumer credit products. This regulation applies to very large financial institutions.
CFPB Final Rules
Nov 21, 2024
Rules
Final rule grants the CFPB authority to supervise and examine larger participants in the market for general-use digital consumer payment applications; no explicit action items or deadlines are mentioned.
CFPB Final Rules
Nov 21, 2024
Rules
The final rule amends an appendix for Regulation V implementing the Fair Credit Reporting Act. This adjustment requires credit unions to update their FCRA disclosures annually.
CFPB Final Rules
Nov 20, 2024
Rules
The final rule revises dollar amounts for provisions implementing TILA and its amendments. It affects credit cards, HOEPA loans, and qualified mortgages.