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Guidance documents

From time to time, we will post letters and other materials providing guidance to industry and members of the public. As much as possible, PDF documents provided by us are presented as “machine-readable” PDFs – that is, documents that allow you to search, copy, and paste the text they contain.

You can contact our Office of Regulations to receive informal guidance from a staff attorney about the Bureau’s regulations at (202) 435-7700. Any such informal guidance would not constitute an official interpretation or legal advice.

In the Dodd-Frank Act, Congress gave the Bureau the responsibility to adopt specific mortgage rules, which we issued in January 2013. See our regulatory implementation page to learn what you need to know to comply with the new mortgage rules.

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Supervision and examination manual

Depository institutions – Current list of institutions and their affiliates under CFPB jurisdiction

Compliance-related information – Understand what you need to know to comply with CFPB-issued rules

More guidance documents

Other information

Supervision and examination materials

Our Supervision and Examination Manual is a guide to how we will supervise and examine consumer financial service providers under our jurisdiction for compliance with Federal consumer financial law.

Our Readiness Guide provides guidelines for institutions to evaluate their readiness and help them comply with the new 2013 mortgage rule changes.


Depository institutions under CFPB jurisdiction

View the current list of depository institutions (DIs) and depository affiliates of DIs under CFPB supervision, based on September 30, 2013 call report data: PDF | Excel

Historical lists


Compliance-related information for CFPB-issued rules

Rural and underserved counties

Some businesses with volume in rural or underserved counties that outweighs volume in other counties are exempt from certain regulatory requirements in Ability to Repay and Qualified Mortgage Standards Under the Truth in Lending Act and Escrow Requirements under the Truth in Lending Act, such as creating escrow accounts and not including balloon payment provisions to get “qualified mortgage” status.

These lists include the following U.S. territories as rural areas in their entireties: Guam, the Commonwealth of the Northern Mariana Islands, American Samoa, and the U.S. Virgin Islands. These territories comprise areas that the U.S. Census Bureau treats as counties and that are neither metropolitan statistical areas or micropolitan statistical areas adjacent to metropolitan statistical areas.

2012 Rural and underserved counties list

Access the updated final list for use in 2012 in any of these formats: CSV | XLS | PDF

2013 Rural and underserved counties list

Access the updated final list for use in 2013 in any of these formats: CSV | XLS | PDF
For more, see our blog post about the 2013 rural and underserved exemptions.

2014 Rural and underserved counties list

Access the final list for use in 2014 in any of these formats: CSV | XLS | PDF
For more, see our blog post about the 2014 rural and underserved exemptions.

Rule implementation support

For information about the remittance rule amending Regulation E, including implementation support material, see the remittance rule page.

For information about implementing the 2013 mortgage rules, see our regulatory implementation page.


More guidance documents

  • December 11, 2013 – FFIEC Guidance on Social Media
  • November 8, 2013 – Bulletin on Homeownership Counseling list requirements
  • October 15, 2013 – Implementation guidance for certain mortgage servicing rules
  • October 9, 2013 – Home Mortgage Disclosure Act (HMDA) and Regulation C – Compliance Management; CFPB HMDA Resubmission Schedule and Guidelines; and HMDA Enforcement
  • September 24, 2013 – Interagency guidance on privacy laws and reporting financial abuse of older adults
  • September 12, 2013 – Bulletin on payroll card accounts (Regulation E)
  • September 4, 2013 – Bulletin on the FCRA’s requirement to investigate disputes and review “all relevant” information provided by consumer reporting agencies about the dispute.
  • July 10, 2013 – Bulletin on prohibition of unfair, deceptive, or abusive acts or practices in the collection of consumer debts
  • July 10, 2013-Bulletin on representations regarding effect of debt payments on credit reports and scores
  • June 25, 2013 – Bulletin about responsible business conduct: self-policing, self-reporting, remediation, and cooperation
  • April 10, 2013 – Disclosure of consumer complaint data as published in the Federal Register
  • May 20, 2013- Bulletin about the SAFE Act – uniform state test for state-licensed mortgage loan originators
  • March 21, 2013- Bulletin about indirect auto lending and compliance with the Equal Credit Opportunity Act
  • February 11, 2013 – Bulletin about mortgage servicing transfers
  • December 6, 2012 – Statement of Intent for sharing information with State banking and financial services regulators
  • November 29, 2012 – Bulletin regarding FCRA’s streamlined process requirement for consumers to obtain free annual reports
  • November 27, 2012 – Bulletin regarding implementation of the remittance rule (Regulation E, Subpart B)
  • October 31, 2012 – Bulletin regarding appeals of supervisory matters
  • July 18, 2012 – Bulletin regarding marketing of credit card add-on products
  • June 27, 2012 – Final policy statement on the publication of credit card complaint data, as published in the Federal Register
  • June 21, 2012 – Interagency guidance on mortgage servicing practices concerning military homeowners with Permanent Change of Station orders
  • May 16, 2012 – Memorandum of Understanding on supervisory coordination among the CFPB, Federal Reserve Board, FDIC, NCUA, and OCC.
  • April 19, 2012 – Bulletin regarding transitional licensing of mortgage loan originators under the SAFE Act
  • April 18, 2012 – Bulletin regarding lending discrimination
  • April 12, 2012 – Bulletin regarding service providers
  • April 2, 2012 – Bulletin regarding the payment of compensation to loan originators
  • January 4, 2012 – Bulletin regarding the Bureau’s supervision authority and treatment of confidential supervisory information
  • December 15, 2011 – Bulletin regarding whistleblower information, and law enforcement tips, and anti-retaliation protections
  • November 17, 2011 – Interagency statement for determining asset size of institutions for federal consumer financial law supervisory and enforcement purposes.
  • November 7, 2011 – Bulletin regarding notice and opportunity to respond and advise prior to enforcement proceedings
  • August 16, 2011 – Bulletin regarding Ex Parte Presentations in Rulemaking Proceedings
  • July 21, 2011 – Bulletin regarding the Interstate Land Sales Full Disclosure Act – communications with CFPB (updated December 19)
  • June 27, 2011 – Bulletin regarding Amendments to the Alternative Mortgage Transaction Parity Act (AMTPA)
  • April 11, 2011 – General Counsel Leonard J. Kennedy letter to financial institutions regarding section 1071 of the Dodd-Frank Act

You may also be looking for guidance or reference materials related to specific regulations.


Other information

For public information regarding a petition to modify or set aside a civil investigative demand, see our list of decisions and orders regarding petitions to modify or set aside.

We have issued a statement to advise supervised institutions about regulatory flexibility in working with borrowers affected by Hurricane Sandy. We encourage financial institutions to work with these borrowers.