{"abstract":"The Board and the Bureau are publishing final rules amending the official interpretations and commentary for the agencies' regulations that implement the Truth in Lending Act (TILA). The Dodd- Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amended TILA by requiring that the dollar threshold for exempt consumer credit transactions be adjusted annually by the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). If there is no annual percentage increase in the CPI-W, the Board and Bureau will not adjust this exemption threshold from the prior year. Based on the annual percentage decrease in the CPI-W as of June 1, 2015, the exemption threshold will remain at $54,600 through December 31, 2016. Because the Dodd-Frank Act also requires similar adjustments in the Consumer Leasing Act's threshold for exempt consumer leases, the Board and the Bureau are making similar amendments to each of their respective regulations implementing the Consumer Leasing Act elsewhere in this issue of the Federal Register.","action":"Final rules, official interpretations and commentary.","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"},{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2015/11/27/2015-30091.html","cfr_references":[{"chapter":null,"citation_url":null,"part":226,"title":12},{"chapter":null,"citation_url":null,"part":1026,"title":12}],"citation":"80 FR 73947","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective January 1, 2016.","disposition_notes":null,"docket_ids":["Docket No. R-1520"],"dockets":[],"document_number":"2015-30091","effective_on":"2016-01-01","end_page":73949,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2015/11/27/2015-30091.xml","html_url":"https://www.federalregister.gov/documents/2015/11/27/2015-30091/truth-in-lending-regulation-z","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2015-30091?publication_date=2015-11-27","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2015-11-27/2015-30091/mods.xml","not_received_for_publication":null,"page_length":3,"page_views":{"count":13275,"last_updated":"2026-07-28 10:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2015-11-27/pdf/2015-30091.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2015-30091.pdf?1448459168","publication_date":"2015-11-27","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2015/11/27/2015-30091.txt","regulation_id_number_info":{"7100 AE36":null},"regulation_id_numbers":["7100 AE36"],"regulations_dot_gov_info":{"checked_regulationsdotgov_at":"2015-12-17T06:00:13Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":73947,"subtype":null,"title":"Truth in Lending (Regulation Z)","toc_doc":"Truth in Lending","toc_subject":null,"topics":["Advertising","Consumer protection","Credit","Credit unions","Mortgages","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":80}