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Get to know loan costs

https://www.consumerfinance.gov/owning-a-home/explore/learn-about-loan-costs/

Annual Percentage Rate (APR) helps you compare options The APR is a helpful tool for...with different interest rates and fees. APR calculates the interest rate plus fees

Supervisory Highlights Mortgage Servicing Special Edition

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-mortgage-servicing-special-edition-issue-11/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Nonbank Registration

Supervisory Highlights: Special Edition Student Lending, Issue 36 (Winter 2024)

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-issue-36-winter-2024/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Nonbank Registration

Debt Burdens Among Credit-Linked Consumers in the United States

https://www.consumerfinance.gov/data-research/research-reports/debt-burdens-among-credit-linked-consumers-in-the-united-states/

Credit-Linked Consumers in the United States APR 22, 2026 Using consumer credit record...Read the full report Page last modified Apr. 22, 2026 @ 10:31 AM EDT Publication

Supervisory Highlights, Issue 37 (Winter 2024)

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-issue-37-winter-2024/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Nonbank Registration

Prepaid account examination procedures

https://www.consumerfinance.gov/compliance/supervision-examinations/prepaid-account-examination-procedures/

Published MAR 25, 2019 Effective date APR 01, 2019 Further reading Newsroom CFPB...Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief

Supervisory Highlights: Summer 2015

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-summer-2015/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Nonbank Registration

Supervisory Highlights: Auto Finance Special Edition, Issue 35 (Fall 2024)

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-issue-35-fall-2024/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Department of Labor

Protections for Borrowers Affected by the COVID-19 Emergency Under the Real Estate Settlement Procedures Act (RESPA), Regulation X

https://www.consumerfinance.gov/rules-policy/rules-under-development/protections-for-borrowers-affected-by-the-covid-19-emergency-under-the-real-estate-settlement-procedures-act-regulation-x/

Procedures Act (RESPA), Regulation X APR 05, 2021 The Bureau of Consumer Financial...Issue date APR 05, 2021 Date published in the Federal Register APR 09, 2021 Comments

Supervisory Highlights: Fall 2015

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-fall-2015/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Nonbank Registration

Supervisory Highlights Junk Fees Update Special Edition, Issue 31, Fall 2023

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-junk-fees-update-special-edition-issue-31-fall-2023/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Nonbank Registration

Supervisory Highlights: Servicing and Collection of Consumer Debt, Issue 34 (Summer 2024)

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-issue-34-summer-2024/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Nonbank Registration

Is there such a thing as a no-cost or no-closing cost loan or refinancing?

https://www.consumerfinance.gov/ask-cfpb/is-there-such-a-thing-as-a-no-cost-or-no-closing-loan-or-refinancing-en-141/

...last reviewed: APR 03, 2024 Is there such a thing as a no-cost or no-closing...between a mortgage interest rate and an APR? What is the difference between a mortgage

Supervisory Highlights Consumer Reporting Special Edition

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-consumer-reporting-special-edition/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Get to know how people

Supervisory Highlights: Spring 2017

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-spring-2017/

Highlights, Issue No. 15 (Spring 2017) APR 26, 2017 Archived content View this...Focused on Pressing Threats to Consumers APR 30, 2025 Events Nonbank Registration

Espin v. Citibank, N.A.

https://www.consumerfinance.gov/compliance/amicus/briefs/espin-v-citibank-na/

Circuit Court Espin v. Citibank, N.A. APR 11, 2024 The Servicemembers Civil Relief...modified Apr. 11, 2024 @ 12:01 PM EDT Brief details Date filed APR 10, 2024

Supervisory Highlights: Summer 2014

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-summer-2014/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Nonbank Registration

Supervisory Highlights, Issue 24, Summer 2021

https://www.consumerfinance.gov/data-research/research-reports/supervisory-highlights-issue-24-summer-2021/

Focused on Pressing Threats to Consumers APR 30, 2025 CFPB Offers Regulatory Relief...Requirements for Small Loan Providers APR 11, 2025 Events Nonbank Registration

Rescission of State Official Notification Rules

https://www.consumerfinance.gov/rules-policy/final-rules/rescission-of-state-official-notification-rules/

...of State Official Notification Rules APR 20, 2026 Share this This direct final...Read the final rule Page last modified Apr. 20, 2026 @ 09:16 AM EDT Rule details

Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (Regulation V)

https://www.consumerfinance.gov/rules-policy/rules-under-development/prohibition-on-inclusion-of-adverse-information-in-consumer-reporting-in-cases-of-human-trafficking-regulation-v/

...of Human Trafficking (Regulation V) APR 07, 2022 The Consumer Financial Protection...Issue date APR 07, 2022 Date published in the Federal Register APR 08, 2022 Comments