This will benefit most of you more that it does us Okies. We've been at $45,000 for more than 25 years:

Fed Released Final Consumer Protection Dodd-Frank Rules:

The Fed adopted two final rules to increase the threshold for Truth in Lending Act (TILA) and Consumer Leasing Act (CLA) protections from $25,000 to $50,000 for consumer credit and lease transactions. The threshold will be inflation adjusted on an annual basis.

TILA requires creditors to disclose key terms of consumer loans and prohibits creditors from engaging in certain practices. CLA requires lessors to provide consumers with disclosures regarding the cost and other terms of personal property leases.

The rules were mandated by the Dodd-Frank Act and are effective July 21, 2011.