Providing equal credit opportunities (ECOA)
Resources to help industry understand, implement, and comply with the fair lending requirements of the Equal Credit Opportunity Act (ECOA) and Regulation B.
Featured topics
On May 12, 2025, the CFPB withdrew several guidance documents, including “2021 Interpretive Rule providing that the prohibition against sex discrimination encompasses sexual orientation discrimination and gender identity discrimination,” and “CFPB Bulletin 2015-02: Section 8 Housing Choice Voucher Homeownership Program.” You can read more about the withdrawal here .
Rules and notices
Browse the 2017 final rule to see Regulation B amendments relating to the collection of ethnicity and race information.
Browse the 2017 notice regarding the redesign of the uniform residential loan application.
Browse the 2016 notice regarding the uniform residential loan application.
Browse the 2013 ECOA valuation final rule to see amendments to Regulation B relating to the disclosure and delivery of appraisals and other valuations.
Regulations and official interpretations
Browse Regulation B (12 CFR 1002) on: Interactive Bureau Regulations | eCFR
General regulations
Sign up for updates about our rulemaking.
Guides
Supervision and examination materials
Guides to how the Bureau will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.
Browse ECOA examination procedures
Browse ECOA baseline review modules
Compliance bulletins
Quick references
Other references
ECOA Valuations rule implementation
Forms
Browse model and sample forms that were published in Regulation B.
Additional materials
Some of the resources listed below are provided by other federal agencies and may not represent the Bureau’s views or interpretations.
Browse FFIEC Interagency Fair Lending Examination Procedures (August 2009)
Browse the FFIEC Interagency Fair Lending Procedures Appendix (August 2009)