Credit transactions and aspects of credit transactions include:

  • Consumer credit
  • Business credit
  • Mortgage loans
  • Refinancing
  • Open-end credit
  • Credit applications
  • Standards of creditworthiness
  • Adverse action

The regulation covers topics such as:

  • Discrimination
  • Discouragement
  • Notification of action taken
  • Requests for information
  • Evaluation of applications
  • Signature requirements
  • Monitoring information
  • Appraisal and other written valuations

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The CFPB’s eRegulations tool is an editorial compilation of material and not an official legal edition of the Code of Federal Regulations or the Federal Register. We have made every effort to ensure the material presented in this tool is accurate, but if you are relying on it for legal research you should consult the official editions of those sources to confirm your findings. Nothing in this tool binds the Bureau or creates any rights, benefits, or defenses, substantive or procedural, that are enforceable by any party in any manner.