12 CFR Part 1002 - Equal Credit Opportunity Act (Regulation B)

In light of court orders in ongoing litigation, on June 18, 2025 the CFPB issued an interim final rule to extend the compliance dates of the small business lending rule. An updated version of Regulation B will be published soon.

Read the interim final rule

Regulation B protects applicants from discrimination in any aspect of a credit transaction.

This version is not the current regulation.

You are viewing a previous version of this regulation with amendments that went into effect on Jan. 1, 2018.

Credit transactions and aspects of credit transactions include:

Consumer credit
Business credit
Mortgage loans
Refinancing
Open-end credit
Credit applications
Standards of creditworthiness
Denial of credit
Servicing and collection
Revocation, alteration, or termination of credit

The regulation covers topics such as:

Discrimination
Discouragement
Notification of action taken (including adverse action)
Appraisal and other written valuations
Special purpose credit programs
Limitation on collection of certain protected information
Self-testing and self-correction
Evaluation of applications
Signature requirements
Mandatory information collection for monitoring purposes

Additional resources

Consumer FAQs

Credit discrimination

Other resources

Mortgage Appraisal and Other Written Valuations Under ECOA Compliance Resources

ECOA Compliance Resources