Federal Reserve Bank of Dallas. "Agencies Announce Increases in Dollar Thresholds in Regulations Z and M : Regulation Z, Notice 12-60," District Notices (Federal Reserve Bank of Dallas) (November 20, 2012). https://fraser.stlouisfed.org/title/5569/item/616068/content/pdf/frbdallas_circ_20121120_no2012-60_regZ, accessed on March 14, 2026.