Guaranteeing Fair Banking for All Americans and Fighting Debanking
The CFPB works to protect your access to credit through oversight and enforcement of fair lending laws.
Fair Lending Priorities
In 2025, the CFPB made changes to its fair lending program consistent with the Trump Administration and CFPB leadership’s policies and priorities. They were guided by several executive orders, including Executive Order 14281 , “Restoring Equality of Opportunity and Meritocracy;” Executive Order 14173 , “Ending Illegal Discrimination and Restoring Merit-Based Opportunity;” and Executive Order 14331 , “Guaranteeing Fair Banking for All Americans.”
Terminating disparate impact
Consistent with Executive Order 14281 , the CFPB is no longer using disparate impact in its supervision or enforcement of fair lending laws. The CFPB also engaged in rulemaking to reflect these priorities.
Additionally, the CFPB has closed all elements of open supervision exams and enforcement investigations that relied on disparate impact liability and terminated CFPB orders that relied on disparate impact liability.
Terminating consultation on special purpose credit programs
Executive Order 14173 obligates executive departments and agencies “to terminate all discriminatory and illegal preferences” and “to combat illegal private sector” race- and sex-conscious programs.
As such, the CFPB no longer consults with institutions regarding any special purpose credit programs that rely on race, national origin, or sex. Consistent with the Executive Order and recognizing the broader statutory and constitutional concerns raised by such programs, the CFPB engaged in rulemaking to prohibit creditors from offering programs that rely on the race, national origin, or sex of the applicant.
Debanking
The CFPB has dedicated resources across the Bureau to implement Executive Order 14331 so that no American is denied access to financial services because of their political or religious beliefs. As part of this work, the CFPB is evaluating financial institutions for compliance with the Equal Credit Opportunity Act (ECOA) and Fair Credit Reporting Act (FCRA) , particularly the adverse action notice requirements under these laws. Learn about our supervision priorities
The CFPB is also working with regulatory partners, including the Department of Justice , as part of its Debanking Task Force, to address debanking issues more broadly.
If you believe you have been unlawfully debanked or have any other problems with a financial product or service you can submit a complaint online or by calling us toll-free at (855) 411-2372.
Fair Lending Supervision & Enforcement
The CFPB ensures that financial institutions comply with federal fair lending laws, including the Equal Credit Opportunity Act (ECOA) and Home Mortgage Disclosure Act (HMDA) . In support of this work, the CFPB works closely with other federal agencies, including the Department of Justice , Office of the Comptroller of the Currency , Federal Reserve Board , Federal Deposit Insurance Corporation , National Credit Union Administration , and Federal Trade Commission .
The CFPB focuses its fair lending efforts on intentional discrimination with identified victims. If a financial institution has intentionally discriminated, the CFPB will seek the maximum penalties.
Fair lending rulemakings
The CFPB recently engaged in several rulemakings related to fair lending, including issuing a final rule to amend Regulation B, subpart B, implementing section 1071 of the Dodd-Frank Act, and a final rule for Regulation B, subpart A, implementing ECOA.
Fair lending outreach and education
The CFPB works with private industry, fair lending, civil rights, consumer and community advocates to promote fair lending compliance and education. These engagements include promoting CFPB’s work and policy priorities through outreach events.
- The CFPB participated in the Federal Reserve’s 2025 Interagency Fair Lending Webinar, an annual webinar dedicated to fair lending compliance issues. Watch the webinar
- The CFPB’s Consumer Advisory Board (CAB) public meeting focused on fair lending and unlawful debanking. Watch the meeting