Welcome! You’ve probably landed here because you followed the instructions on a form, pamphlet, or disclosure given to you by your bank or another company.
Below, you’ll find links to some of our tools and resources for consumers and other information about some of the financial products and services we regulate, including credit reporting and mortgages. You’ll also find links to resources that provide guidance to assist industry in complying with our regulations.
Tools and resources
- Ask CFPB: Answers to more than 1,000 questions about financial products and services, including credit cards, mortgages, student loans, bank accounts, credits reports, payday loans, and debt collection.
- Submit a complaint: You can submit a complaint about a consumer financial product or service online, or by calling (855) 411-CFPB (2372). We’ll forward your complaint to the company for a response.
- CFPB en español: A central point of access to our consumer resources available in Spanish.
- : Order or download free publications and materials about money management and other financial topics.
- Consumer advisories: From time to time we issue advisories to help consumers with current issues related to consumer financial products or services.
Credit reporting/identity theft
- ( )
- ( )
- Answers to questions about credit reports, credit scores, identity theft, and how to get your free annual credit reports
- Additional rights of servicemembers
- The Federal Trade Commission (FTC) also has information on credit reporting, credit scores, , and
- Here are steps you can take if you think your credit or debit card data was hacked
- We have information on mortgages for homebuyers, homeowners, and anyone who needs help understanding our mortgage rules.
- Find a housing counselor near you. Housing counselors can provide advice on buying or renting a home, foreclosures, and credit issues.
Check out our booklets if you’re getting a mortgage or a home equity line of credit:
For the financial services industry
- Regulations: Information about CFPB regulations, including proposed and final rules
- Guidance: From time to time, we post letters and other materials providing guidance to industry and members of the public.
- Regulatory implementation: We’ve got resources to help you understand the rules and their implications, as well as links to various other helpful resources.
- Supervision and Examination Manual
Fair Credit Reporting Act (FCRA)
- ( )
- ( and full text of )
Fair Debt Collection Practices Act (FDCPA)
Home Mortgage Disclosure Act (HMDA)
NOTE: HMDA information is provided by the Federal Reserve Board via the FFIEC under agreements with all the financial regulators.
- The Federal Financial Institution Examinations Council (FFIEC) provides , including:
- The Federal Reserve Board has information on the
Real Estate Settlement Procedures Act (RESPA)
is designed to help consumers understand the home buying process and the nature and costs of real estate settlement services. This toolkit replaces the Settlement Cost Booklet. Lenders are required to provide the toolkit to consumers after application, and all market participants are encouraged to provide the toolkit to consumers as early in the home or mortgage shopping process as possible.
- Download the toolkit, designed for web posting and interactivity ( | )
- Download the print-ready PDF ( | | )
- Pre-order printed copies ( | ) from the U.S. Government Printing Office
- Download and required disclaimer ( English | Spanish) if you’d like to add your organization’s logo
Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act)
- Learn more about the , or visit the SAFE Act page of the FFIEC website.
- The has information to help guide institutions through the registration process.
Truth in Lending Act (TILA)
- , also known as the CHARM Booklet, is updated as of June 2020. A is available, and you can from the U.S. Government Printing Office.
- What you should know about home equity lines of credit (HELOC) brochure ( | ) is updated as of Jan. 10, 2014. A version is available in DOC format ( | ) and you can from the U.S. Government Printing Office.