An official website of the United States Government

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Welcome! You’ve probably landed here because you followed the instructions on a form, pamphlet, or disclosure given to you by your bank or another company.

Below, you’ll find links to some of our tools and resources for consumers and other information about some of the financial products and services we regulate, including credit reporting and mortgages. You’ll also find links to resources that provide guidance to assist industry in complying with our regulations.

For consumers

Tools and resources

  • Ask CFPB: Answers to more than 1,000 questions about financial products and services, including credit cards, mortgages, student loans, bank accounts, credits reports, payday loans, and debt collection.
  • Submit a complaint: You can submit a complaint about a consumer financial product or service online, or by calling (855) 411-CFPB (2372). We’ll forward your complaint to the company for a response.
  • CFPB en Español: A central point of access to our consumer resources available in Spanish.
  • Publications: Order or download free publications and materials about money management and other financial topics.
  • Consumer advisories: From time to time we issue advisories to help consumers with current issues related to consumer financial products or services.

Credit reporting/identity theft

Mortgages

  • We have information on mortgages for homebuyers, homeowners, and anyone who needs help understanding our
    mortgage rules.
  • Find a housing counselor near you. Housing counselors can provide advice on buying or renting a home, foreclosures, and credit issues.
  • Department of Housing and Urban Development (HUD) has information about mortgage servicing and settlement.

Check out our booklets if you’re getting a mortgage or a home equity line of credit:

You can order printed copies from the U.S. Government Printing Office.

For the financial services industry

Resources

  • Regulations: Information about CFPB regulations, including proposed and final rules
  • Guidance: From time to time, we post letters and other materials providing guidance to industry and members of the public.
  • Regulatory implementation: We’ve got resources to help you understand the rules and their implications, as well as links to various other helpful resources.
  • Supervision and Examination Manual

Fair Credit Report Acting (FCRA)

Fair Debt Collection Practices Act (FDCPA)

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)

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

Truth in Lending Act (TILA)