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What are the different ways to buy or finance a car or vehicle?

https://www.consumerfinance.gov/ask-cfpb/what-is-the-difference-between-dealer-arranged-and-bank-financing-en-759/

...pay each year to borrow money – and an APR – or the cost you’ll pay each year in...between a loan interest rate and the APR? What is a buy rate for an auto loan

What should I do if a debt collector contacts me about a mortgage I thought was already satisfied or written off?

https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-a-debt-collector-contacts-me-about-a-mortgage-i-thought-was-already-satisfied-or-written-off-en-2134/

...last reviewed: APR 26, 2023 What should I do if a debt collector contacts me...to 75 characters. Page last modified Apr. 26, 2023 @ 09:39 AM EDT About us We're

Debt Collection Practices in Connection with the Global COVID-19 Pandemic (Regulation F)

https://www.consumerfinance.gov/rules-policy/final-rules/debt-collection-practices-global-covid-19-pandemic-regulation-f/

...issued by CFPB APR 19, 2021 Date published in the Federal Register APR 22, 2021 Effective

Equal Credit Opportunity Act (ECOA) baseline review procedures

https://www.consumerfinance.gov/compliance/supervision-examinations/equal-credit-opportunity-act-ecoa-baseline-review-procedures/

...(ECOA) baseline review procedures Updated Apr. 1, 2019 Download Equal Credit Opportunity...AM EDT Document details Last updated APR 01, 2019 Further reading Newsroom Consumer

What happens to my student loans if I die or become disabled?

https://www.consumerfinance.gov/ask-cfpb/what-happens-to-my-student-loans-if-i-die-or-become-disabled-en-595/

...last reviewed: APR 15, 2024 What happens to my student loans if I die or become...to 75 characters. Page last modified Apr. 19, 2024 @ 01:48 PM EDT About us We're

My loan officer says that I can't apply for a mortgage loan and receive a Loan Estimate until I can provide a copy of a signed purchase contract, is that correct?

https://www.consumerfinance.gov/ask-cfpb/my-loan-officer-says-that-i-cant-apply-for-a-mortgage-loan-and-receive-a-loan-estimate-until-i-can-provide-a-copy-of-a-signed-purchase-contract-is-that-correct-en-1985/

...last reviewed: APR 03, 2024 My loan officer says that I can't apply for a mortgage...to 75 characters. Page last modified Apr. 29, 2024 @ 08:32 AM EDT About us We're

What are late fees on a mortgage?

https://www.consumerfinance.gov/ask-cfpb/what-are-late-fees-on-a-mortgage-en-1927/

...last reviewed: APR 03, 2024 What are late fees on a mortgage? English Español...to 75 characters. Page last modified Apr. 26, 2024 @ 12:52 PM EDT About us We're

Citibank, N.A.

https://www.consumerfinance.gov/enforcement/actions/citibank-na-2018/

...reduce the annual percentage rates (APRs) for approximately 1.75 million consumer...policies and procedures to conduct the APR reevaluations consistent with regulation

Ask CFPB

https://www.consumerfinance.gov/ask-cfpb/

...between a loan interest rate and the APR? Learn more about auto loans Bank accounts...credit card interest rate? What does APR mean? What do I need to know about consolidating

CFPB Public Health and Safety SORN

https://www.consumerfinance.gov/privacy/system-records-notices/cfpb-public-health-and-safety-sorn/

CFPB Public Health and Safety SORN APR 07, 2021 This system maintains information...notice 86 FR 8770 Page last modified Apr. 7, 2021 @ 10:52 AM EDT SORN details

Can a lender make me provide documents like my W-2 or pay stub in order to give me a Loan Estimate?

https://www.consumerfinance.gov/ask-cfpb/can-a-lender-make-me-provide-documents-like-my-w-2-or-pay-stub-in-order-to-give-me-a-loan-estimate-en-147/

...last reviewed: APR 03, 2024 Can a lender make me provide documents like my W-2...to 75 characters. Page last modified Apr. 29, 2024 @ 08:32 AM EDT View older

What is a mortgage?

https://www.consumerfinance.gov/ask-cfpb/what-is-a-mortgage-en-99/

...lender’s fees The Annual Percentage Rate (APR) The type of interest rate and whether...between a mortgage interest rate and an APR? How can I figure out if I can afford

Review documents before closing

https://www.consumerfinance.gov/owning-a-home/close/review-documents-before-closing/

Percentage Rate (APR) on the Closing Disclosure to the APR listed on your Loan

Prepaid Accounts under the Electronic Fund Transfer Act (Regulation E) and the Truth In Lending Act (Regulation Z)

https://www.consumerfinance.gov/rules-policy/final-rules/prepaid-accounts-under-electronic-fund-transfer-act-regulation-e-and-truth-lending-act-regulation-z/

...11:00 AM EST Rule details Last updated APR 14, 2020 Date issued by CFPB OCT 05...Register NOV 22, 2016 Effective date APR 01, 2019 Document citation 81 FR 83934

For an adjustable-rate mortgage (ARM), what are the index and margin, and how do they work?

https://www.consumerfinance.gov/ask-cfpb/for-an-adjustable-rate-mortgage-arm-what-are-the-index-and-margin-and-how-do-they-work-en-1949/

...last reviewed: APR 03, 2024 For an adjustable-rate mortgage (ARM), what are...to 75 characters. Page last modified Apr. 26, 2024 @ 12:52 PM EDT About us We're

What information do I have to provide a lender in order to receive a Loan Estimate?

https://www.consumerfinance.gov/ask-cfpb/what-information-do-i-have-to-provide-a-lender-in-order-to-receive-a-loan-estimate-en-1987/

...last reviewed: APR 03, 2024 What information do I have to provide a lender in...to 75 characters. Page last modified Apr. 26, 2024 @ 12:53 PM EDT About us We're

What should I do if I find an error in one of my mortgage closing documents?

https://www.consumerfinance.gov/ask-cfpb/what-should-i-do-if-i-find-an-error-in-one-of-my-mortgage-closing-documents-en-1917/

...last reviewed: APR 03, 2024 What should I do if I find an error in one of my...to 75 characters. Page last modified Apr. 29, 2024 @ 08:32 AM EDT About us We're

How do I find the best loan available when I'm shopping for a home mortgage loan?

https://www.consumerfinance.gov/ask-cfpb/how-do-i-find-the-best-loan-available-when-im-shopping-for-a-home-mortgage-loan-en-137/

...loan’s annual percentage rate (APR). The APR tells you the yearly cost of the

Closing disclosure explainer

https://www.consumerfinance.gov/owning-a-home/closing-disclosure/

Amount Financed Annual Percentage Rate (APR) Total Interest Percentage (TIP) Appraisal...calculated Annual Percentage Rate (APR) The APR is one measure of your loan’s cost

2025 Consumer Response Annual Report

https://www.consumerfinance.gov/data-research/research-reports/2025-consumer-response-annual-report/

...report Annual Report Page last modified Apr. 1, 2026 @ 09:03 AM EDT View older versions