New amendments effective: 01/01/2017

The Bureau is currently updating the tool to reflect recent changes.

Consumer credit includes:

  • Mortgage loans
  • Home equity lines of credit
  • Reverse mortgages
  • Open-end credit
  • Certain student loans
  • Installment loans

The regulation covers topics such as:

  • Annual percentage rates
  • Credit card disclosures
  • Periodic statements
  • Mortgage loan disclosures
  • Mortgage loan servicing requirements
  • Mortgage loan appraisal requirements

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The CFPB’s eRegulations tool is an editorial compilation of material and not an official legal edition of the Code of Federal Regulations or the Federal Register. We have made every effort to ensure the material presented in this tool is accurate, but if you are relying on it for legal research you should consult the official editions of those sources to confirm your findings. Nothing in this tool binds the Bureau or creates any rights, benefits, or defenses, substantive or procedural, that are enforceable by any party in any manner.