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CFPB Final Rule: 2026 Asset-Size Exemption Threshold Adjustment

Posted by on January 7, 2026

The CFPB has issued a final rule amending the official commentary to Regulation C (Home Mortgage Disclosure). This update reflects the annual adjustment to the asset-size exemption threshold for banks, savings associations, and credit unions.

This change is critical for smaller financial institutions, as it determines whether they are required to collect and report Home Mortgage Disclosure Act (HMDA) data for the upcoming year. By aligning thresholds with inflationary trends, the CFPB aims to maintain fairness and reduce regulatory burden for community-based lenders.

Key Highlights

  • New Threshold: Increased to $59 million (up from $58 million).
  • Basis for Adjustment: A 2.5% increase in the average Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W) for the 12-month period ending November 2025.
  • Impact: Institutions with assets of $59 million or less as of December 31, 2025 are exempt from HMDA data collection requirements for 2026.

This annual adjustment ensures compliance thresholds remain aligned with inflationary trends, reducing regulatory burden for smaller institutions.

GoWest will continue to advocate for a substantial increase to the HMDA asset reporting threshold in recognition of the regulatory burden that HMDA reporting creates for smaller institutions.

Posted in Advocacy on the Move, Regulatory Advocacy.

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