The CFPB and the Federal Reserve Board set dollar thresholds (see here and here) for exempt consumer credit and lease transactions in 2020. The dollar thresholds for Regulation Z ("Truth in Lending") and Regulation M ("Consumer Leasing") must be adjusted annually consistent with the annual percentage increase in the Consumer Price Index for Urban Wage Earners and Clerical Workers (or "CPI-W"). In 2020, the protections of Regulations Z and M will apply to consumer credit transactions and consumer leases of $58,300 or less