Learn more

Welcome! You’ve probably landed here because you followed the instructions on a form or pamphlet given to you by your bank or other financial institution.

This page also includes reports and information about regulations that may be useful to the financial services industry.

This section of our site provides links to additional information about certain products we regulate, such as credit cards and mortgages. It also provides links to letters and other documents that provide guidance to the industry to assist them in complying with our regulations.

As we continue to build the CFPB, we’ll be updating where and how we provide you with this information.

For consumers

Credit

• The Federal Reserve has summarized credit card protections on a site that includes interactive tools for users to learn more about the terms and fees of credit card offers, and about the features of their monthly statements
• The Federal Trade Commission (FTC) maintains information about credit reports and scores
• Information about your rights in cases of identity theft, including the full text of the Fair Credit Reporting Act, is available on the FTC’s website
• View federal rules on credit reporting.

Mortgages

• If you are getting an adjustable rate mortgage, read Consumer Handbook on Adjustable Rate Mortgages or order a printed copy
• If you are getting a home equity line of credit, read What You Should Know about Home Equity Lines of Credit or order a printed copy

These booklets were produced by the Federal Reserve. The CFPB is now responsible for publishing and updating them. Your lender should provide these booklets when you apply for the loans. You can order these and other booklets from the U.S. Government Printing Office.

• The U.S. Department of Housing and Urban Development (HUD) maintains a website with information about mortgage servicing and settlement

For the financial services industry

Fair Debt Collection Practices Act (FDCPA)

• The FTC has guidance about FDCPA on its website

Home Mortgage Disclosure Act (HMDA)

NOTE: HMDA information is provided by the Federal Reserve Board via the FFIEC under agreements with all the financial regulators.

• The Federal Financial Institution Examinations Council (FFIEC) provides information on HMDA, including:
• Instructions on how to file your submission
• The Average Prime Offer Rates publication
• A rate spread calculator to assist you with reporting rate spread information
• The Federal Reserve Board has information on the 2010 HMDA hearings

Real Estate Settlement Procedures Act (RESPA)

• HUD provides RESPA information at www.hud.gov/respa

Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)

• Learn more about the SAFE Act on HUD’s website, or visit the SAFE Act page
• The Nationwide Mortgage Licensing System has information to help guide institutions through the registration process

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