Skip to main content

Equal Credit Opportunity Act

Resources to help industry understand, implement, and comply with the fair lending requirements of the Equal Credit Opportunity Act (ECOA) and Regulation B.

Featured topic

On June 27, 2019, the Bureau issued a statement regarding the collection of demographic information by Certified Community Development Financial Institutions (CDFIs) receiving Federal financial assistance from the U.S. Department of the Treasury’s Community Development Financial Institutions Fund (CDFI Fund).

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

Guides

Supervision and examination materials

Guides to how the Bureau will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.

Browse ECOA examination procedures

Browse ECOA baseline review modules

Browse Supervisory Highlights

Compliance bulletins

CFPB 2019 statement on collection of demographic information by community development financial institutions

CFPB Bulletin 2015-02: Section 8 Housing Choice Voucher Homeownership Program

CFPB Bulletin 2014-03: Social Security Disability Income Verification

CFPB Bulletin 2012-04: Lending discrimination

Annual reports

The Bureau files an annual report to Congress describing the administration of its functions under ECOA, among other items.  

2018 Fair lending annual report to Congress

2017 Fair lending annual report to Congress

2016 Fair lending annual report to Congress

2015 Fair lending annual report to Congress

2014 Fair lending annual report to Congress

2013 Fair lending annual report to Congress

Forms

Browse model forms that were published in Regulation B

Additional materials

Some of the resources listed below are provided by other federal agencies and may not represent the Bureau’s views or interpretations.

Interagency Statement on Fair Lending Compliance and the Ability-to-Repay and Qualified Mortgage Standards Rule (October 2013)

Browse FFIEC Interagency Fair Lending Examination Procedures (August 2009)

Browse the FFIEC Interagency Fair Lending Procedures Appendix (August 2009)