Bulletin re: indirect auto lending and compliance with the Equal Credit Opportunity Act
This bulletin provides guidance about compliance with the fair lending requirements of the Equal
Credit Opportunity Act (ECOA) and its implementing regulation, Regulation B, for indirect auto
lenders that permit dealers to increase consumer interest rates and that compensate dealers with a
share of the increased interest revenues. This guidance applies to all indirect auto lenders within
the jurisdiction of the Consumer Financial Protection Bureau (CFPB), including both depository
institutions and nonbank institutions.