Resources
Consumer Financial Protection Bureau
CFPB’s TRID resource and implementation page
Guidance documents from the CFPB
CFPB’s unofficial version of its regulations
Official Version of CFPB's Regulations
Dodd-Frank Act
Full text of the 2010 Dodd-Frank Wall Street Reform and Consumer Protection Act
Electronic Banking
The FFIEC discusses effective risk management principles and practices for access and authentication for electronic banking.
Overall Compliance
Manual used to conduct compliance examinations of state member banks
Compilation of the Board’s regulations
Letters provide guidance on policy and procedural matters related to Federal Reserve System’s consumer compliance supervisory responsibilities
Fair Housing Act
Text of the Fair Housing Act (42 U.S.C. 3601-3631)
HUD’s implementing regulation for the Fair Housing Act
Payment Cards
Collection of resources for consumer credit
Regulation B — Equal Credit Opportunity Act (ECOA)
Implementing regulation for ECOA. Prohibits creditors from treating a credit applicant less favorably than another on the prohibited bases of of age, sex or marital status, race, color, religion, national origin, source of income, or the exercise of rights under federal consumer credit protection laws
Text of ECOA, 15 U.S.C. §1691-1691f (Office of the Law Revision Counsel of the U.S. House of Representatives)
Procedures regulators use for conducting fair lending examinations
Federal Reserve Consumer Affairs Letter CA 09-6
Overview of the 2009 revised interagency fair lending procedures
Regulation BB — Community Reinvestment Act (CRA)
Implementing regulation for the CRA
Text of the CRA, 12 U.S.C. §§2901-2908
Collection of CRA resources
Frequently asked questions about the CRA
Collection of resources for CRA examinations from the FFIEC
Regulation C — Home Mortgage Disclosure Act (HMDA)
HMDA's Implementing Regulation
Text of HMDA, 12 U.S.C. §§2801-2811
Collection of HMDA resources
2024 Guide to recording and reporting HMDA data (most recent version)
Web-based geocoding system
2021 updates to the examination procedures
Online calculator to determine if a loan must be reported as a rate-spread loan
Regulation DD — Truth in Savings Act (TISA)
Implementing regulation for TISA; provides consumer protections and disclosures for consumer savings accounts
Text of the TISA, 12 U.S.C. §§4301-4313
Software to verify annual percentage yields for disclosures, advertisements, and periodic statements
Regulation E — Electronic Fund Transfer Act (EFTA)
Implementing regulation for the EFTA; provides consumer protections for electronic fund transfers, such as ATM and debit card transactions
Text of EFTA, 15 U.S.C. §§1693-1693r
Consumer Compliance Outlook article providing an overview of the new foreign remittance transfer requirements in Regulation E
Text of Regulation E’s remittance transfer rule and accompanying resources
Small entity compliance guide to international fund transfers (Updated January 12, 2020)
Regulation H — Flood Disaster Protection Act of 1973
The Federal Reserve’s flood insurance requirements for state member banks when making loans in flood hazard areas
2022 updated interagency questions & answers regarding flood insurance
FEMA’s in-depth guidance for flood insurance
FEMA’s regulation about flood insurance coverage and rates
Information about FEMA’s flood insurance program
Links to flood insurance statutes and regulations
Resource for FEMA flood maps. Users can type in the address of a property to determine if it’s in a special flood hazard area
Regulation M — Consumer Leasing Act (CLA)
Regulation implements the Consumer Leasing Act; provides consumer protections for leasing by requiring clear, conspicuous disclosure of important terms of consumer leases
Text of CLA, 15 U.S.C. §1667-1667f
Regulation V — Fair Credit Reporting Act (FCRA)
Implementing regulation for the FCRA
Text of the FCRA, 15 U.S.C. §§1681-1681x
An FTC Staff Report with Summary of Interpretations. Rulemaking authority for the FCRA now resides with the CFPB.
Regulation X — Real Estate Settlement Procedures Act (RESPA)
RESPA's Implementing regulation
Real Estate Settlement Procedures Act
Text of RESPA, 12 U.S.C. §§2601-2617 (House of Representatives)
Regulation Z — Truth in Lending Act (TILA)
TILA's implementing regulation
Text of TILA (U.S. House of Representatives)
FFIEC Higher Priced Mortgage CalculatorCalculates if a loan if a higher-priced mortgage loan
Servicemembers Civil Relief Act (SCRA)
Collection of SCRA resources
Site to verify military enrollment
Text of the SCRA, 50 U.S.C. §§3901- 4043
Revised SCRA examination procedures
TRID (TILA RESPA Integrated Disclosure)
Unfair or Deceptive Acts or Practices
UDAP guidance from the Board and the FDIC (2004)
The Board’s UDAP examination procedures
The FTC’s view of the meaning of UDAP deception
The FTC’s view of the meaning of UDAP unfairness
The CFPB’s authority to prohibit unfair, deceptive, and abusive acts or practices (codified at 12 U.S.C. §5531)
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