{"abstract":"Effective July 21, 2011, the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the Truth in Lending Act (TILA) by increasing the threshold for exempt consumer credit transactions from $25,000 to $50,000. In addition, the Dodd-Frank Act provides that, on or after December 31, 2011, this threshold must be adjusted annually by any annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers. Accordingly, the Board is proposing to make corresponding amendments to Regulation Z, which implements TILA, and to the accompanying staff commentary. Because the Dodd-Frank Act also increases the Consumer Leasing Act's threshold for exempt consumer leases from $25,000 to $50,000, the Board is proposing similar amendments to Regulation M elsewhere in today's Federal Register.","action":"Proposed rule; request for public comment.","agencies":[{"raw_name":"FEDERAL RESERVE SYSTEM","name":"Federal Reserve System","id":188,"url":"https://www.federalregister.gov/agencies/federal-reserve-system","json_url":"https://www.federalregister.gov/api/v1/agencies/188","parent_id":null,"slug":"federal-reserve-system"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2010/12/16/2010-31529.html","cfr_references":[{"chapter":null,"citation_url":null,"part":226,"title":12}],"citation":"75 FR 78636","comment_url":null,"comments_close_on":"2011-02-14","correction_of":null,"corrections":[],"dates":"Comments must be received on or before February 1, 2011. Comments on the Paperwork Reduction Act analysis set forth in Section V of Supplementary Information must be received on or before February 14, 2011.","disposition_notes":null,"docket_ids":["Regulation Z","Docket No. R-1399"],"dockets":[],"document_number":"2010-31529","effective_on":"2011-02-01","end_page":78645,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2010/12/16/2010-31529.xml","html_url":"https://www.federalregister.gov/documents/2010/12/16/2010-31529/truth-in-lending","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2010-31529?publication_date=2010-12-16","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2010-12-16/2010-31529/mods.xml","not_received_for_publication":null,"page_length":10,"page_views":{"count":587,"last_updated":"2026-04-04 18:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2010-12-16/pdf/2010-31529.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":null,"publication_date":"2010-12-16","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2010/12/16/2010-31529.txt","regulation_id_number_info":{"7100-AD59":{"issue":"201104","html_url":"https://www.federalregister.gov/regulations/7100-AD59/regulation-z-truth-in-lending-docket-no-r-1399-","title":"Regulation Z--Truth in Lending (Docket No. R-1399)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201104&RIN=7100-AD59&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["7100-AD59"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2011-01-05T08:04:52Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":78636,"subtype":null,"title":"Truth in Lending","toc_doc":"Truth in Lending","toc_subject":null,"topics":["Advertising","Consumer protection","Federal Reserve System","Reporting and recordkeeping requirements","Truth in lending"],"type":"Proposed Rule","volume":75}