2018 Regulation Z Threshold

The threshold to exempt consumer credit from Regulation Z will be $55,800 for 2018. This is up from $54,600 in 2017. This means that any Amy11consumer credit transaction greater than $55,800 is NOT subject to Regulation Z requirements. However, private education loans, loans secured by any real property and/or loans secured by personal property used (or expected to be used) as the consumer’s principal dwelling ARE subject to the Truth in Lending Act regardless of the amount of the loan.


Amy Kudlacek

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