The Consumer Financial Protection Bureau issued two annual threshold adjustment final rules under the Home Mortgage Disclosure Act and Truth in Lending Act, effective Jan. 1, 2022.

  • HMDA (Regulation C): The asset threshold at which banks are exempt from collecting data increased to $50 million in 2022 from $48 million.

  • TILA (Regulation Z): Creditors with assets of less than $2.336 billion as of Dec. 31, 2021, are exempt from establishing escrow accounts for higher-priced mortgage loans in 2022, if other Reg Z requirements also are met.