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Credit card penalty fees

Resources to help industry understand and comply with the credit card penalty fees final rule.

On March 5, 2024, the CFPB issued the credit card penalty fees final rule to better ensure that penalty fees charged by certain card issuers are reasonable and proportional as required under the Truth in Lending Act.


Browse the rule to review changes to penalty fees in Regulation Z.

Regulations and official interpretations

Browse Regulation Z (12 CFR 1026) on: Interactive Bureau Regulations | eCFR

The rule provisions specific to penalty fees and official interpretations can be found in:

  • § 1026.52(b)(1)(i), Fee based cost
  • § 1026.52(b)(1)(ii), Safe harbor
  • § 1026.52(b)(1)(ii)(D), Annual inflation adjustments
  • § 1026.52(b)(2)(i)(A), Fees that exceed the dollar amount associated with the violation

Quick references

Executive summary of the credit card penalty fees rule

Key changes chart


Downloadable versions of the model forms and clauses that were published in the final rule.

Browse model forms and clauses