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Loan Originator Rule

Resources to help industry understand, implement, and comply with the loan originator rule.  

Featured topic

On November 16, 2018, the Bureau updated the small entity compliance guide to reflect changes made by the Economic Growth, Regulatory Relief, and Consumer Protection Act.

Rules

Browse the loan originator final rules to see specific amendments made by each final rule to Regulation Z.

Regulations and official interpretations

Browse Regulation Z (12 CFR 1026) on: Interactive Bureau Regulations | eCFR

Main loan originator rule provisions and official interpretations can be found in:

  • § 1026.36(a) Definitions, including “compensation” and “loan originator”
  • § 1026.36(d) Prohibition on payment based on terms of the transaction
  • § 1026.36(d) Prohibition on dual compensation
  • § 1026.36(e) Prohibition on steering
  • § 1026.36(f) Loan originator qualification requirements
  • § 1026.36(g) Loan originator identification
  • § 1026.36(h) Prohibition on mandatory arbitration clauses and waivers of certain consumer rights
  • § 1026.36(i) Prohibition on financing credit insurance
  • § 1026.36(j) Policies and procedures to ensure and monitor compliance

Guides

Small entity compliance guide

Download the latest version , version 3.0

Supervision and examination materials

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

See the CFPB mortgage origination examination procedures

See the mortgage rules readiness guide , version 4.0

Supervisory Highlights

Compliance bulletins

CFPB Bulletin 2012-02: The payment of compensation to loan originators

CFPB Bulletin 2012-05: SAFE Act and transitional licensing of mortgage loan originators