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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.

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


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