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Why and when are adjustments made to the dollar amounts under Regulation CC made?
The Federal Reserve and the CFPB have implemented amendments to Regulation CC to adjust the dollar amounts for inflation. The newest adjustments are effective July 1, 2020. The next round of adjustments will be July 2025, and on every July 1, of every fifth year after 2025, according to the Consumer Price Index for Urban Wage Earners and Clerical Workers. A new section was added to Regulation CC which addresses the indexing of the dollar amount adjustments, the procedures used, and the adjustment amounts.
Regulation CC: 12 CFR 229.11; See also: 12 CFR 229.10(c)(1)(vii), 229.12(d), 229.13(a), (b), (d); and 229.21(a)