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 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.

For consumers



The U.S. Department of Housing and Urban Development (HUD) maintains a website with information about mortgage servicing and settlement. You might also need to take a look at our booklets:

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

For the financial services industry

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)