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Supervision and examinations

Conducting examinations is one of our key tools to ensure that supervised entities comply with federal consumer financial laws.

CFPB Supervision and Examination Manual

The Supervision and Examination Manual is our guide for examiners to use in overseeing companies that provide consumer financial products or services. The manual describes how we supervise and examine these companies and gives our examiners direction on how to assess compliance with federal consumer financial laws. Send questions about the manual to supervision@consumerfinance.gov.


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Supervision and Examination Manual  - Updated September 2023

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Preface

Section Download About

Table of contents
Updated September 2023

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Part I – Compliance supervision and examination

A. Supervision and examination process Download About

Overview
Updated March 2017

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Examination process
Updated February 2019

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Part II – Examination procedures

A. Compliance management system Download About

Compliance management review
Updated August 2017

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Compliance management review – information technology (CMR-IT)
Published September 2021

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B. Product-based procedures Download About

Automobile finance
Updated August 2019

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Consumer reporting, larger participants
Updated June 2023

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Credit card account management
Updated February 2015

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Debt collection
Updated March 2022

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Education loan
Updated September 2022

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Mortgage origination
Updated December 2021

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Mortgage servicing
Updated January 2023

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Prepaid account
Published March 2019

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Remittance transfer
Updated February 2022

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Reverse mortgage servicing
Updated June 2020

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Short-term, small-dollar lending (payday)
Updated March 2019

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C. Statutory- and Regulation-based procedures Download About

Consumer Leasing Act (CLA)
Published October 2012

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Electronic Fund Transfer Act (EFTA)
Updated March 2019

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Equal Credit Opportunity Act (ECOA)
Updated October 2015

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ECOA baseline review
Updated April 2019

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Fair Credit Reporting Act (FCRA)
Published October 2012

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Fair Debt Collection Practices Act (FDCPA)
Updated December 2022

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Home Mortgage Disclosure Act (HMDA)
Updated September 2021

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Homeowners Protection Act (HPA or PMI Cancellation Act)
Published October 2012

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Privacy of Consumer Financial Information -  Gramm-Leach-Bliley Act (GLBA)
Updated October 2016

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Real Estate Settlement Procedures Act (RESPA)
Updated March 2018

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Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act
Published October 2012

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Truth in Lending Act (TILA)
Updated October 2021

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Truth in Savings Act (TISA)
Published October 2012

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Unfair, Deceptive or Abusive Acts or Practices (UDAAPs)
Updated October 2012

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Part III – Examination process templates

Templates Download About

Entity profile
Published October 2012

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Examination report
Updated February 2019

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Examination scope summary
Updated August 2018

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Risk assessment
Published October 2012

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Supervision plan
Published October 2012

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Supervisory letter
Updated February 2019

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Disclaimer

Please note: This Supervision and Examination Manual provides internal guidance to our supervisory staff. It does not bind the CFPB and does not create any rights, benefits, or defenses, substantive or procedural, that are enforceable by any party in any manner. While every effort has been made to ensure accuracy, examination procedures should not be relied on as a legal reference.