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 March 9, 2021, the Bureau issued an Interpretive Rule to clarify that the prohibition against sex discrimination in ECOA and Regulation B encompasses sexual orientation discrimination and gender identity discrimination, including discrimination based on actual or perceived nonconformity with sex-based or gender-based stereotypes and discrimination based on an applicant’s associations.
On May 6, 2020, the Bureau issued FAQs that clarify responsibilities of creditors collecting Small Business Administration Paycheck Protection Program loan applications during the COVID-19 pandemic. These FAQs address the requirements for providing notifications of action taken under ECOA and Regulation B to PPP applicants.
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
Email updates
Sign up to receive updates on compliance resources as they become available.
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
CFPB Bulletin 2015-02: Section 8 Housing Choice Voucher Homeownership Program
CFPB Bulletin 2014-03: Social Security Disability Income Verification
CFPB Bulletin 2012-04: Lending discrimination
Annual reports
The Bureau files an annual report to Congress describing the administration of its functions under ECOA, among other items.
2018 Fair lending annual report to Congress
2017 Fair lending annual report to Congress
2016 Fair lending annual report to Congress
2015 Fair lending annual report to Congress
2014 Fair lending annual report to Congress
2013 Fair lending annual report to Congress
Quick references
Other references
ECOA Valuations rule implementation
Forms
Browse model 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)