If you have a problem with a bank or other financial institution, contact the Federal Reserve for help.

Consumer Protection Laws

  • Ability-to-Repay Mortgage Rules (CFPB)

    New mortgage rules will require lenders, before making a mortgage loan, to look at a consumer's financial information and be sure that the consumer can afford to repay the loan.

  • Appraisals for Higher-Priced Mortgage Loans (CFPB)

    Under the Truth in Lending Act, mortgages that exceed a certain interest rate require creditors to 1) obtain an appraisal meeting certain standards, 2) provide applicants notification regarding appraisal use, and 3) give applicants a copy of the written appraisal.

  • Consumer Action Handbook

    Lists state and federal banking authorities and other national resources for handling consumer questions and complaints.

  • Consumer Financial Emergency Survival Kit

    Information on several topics, including tenants' rights in foreclosure and high-cost consumer loans.  Much of the information is applicable nationwide, but some information is specific to the northeastern United States.

    Español Equipo de supervivencia financiera de emergencia para el consumidor

  • Escrow Account Requirements (CFPB)

    Find out about requirements that take effect June 1, 2013 that will require lenders to collect monthly escrow payments for certain mortgages for an extended period of time.

  • Mortgage Servicing (CFPB)

    New mortgage servicing rules, effective January 2014, will give you tools to help if you have problems making your mortgage payments, and give you protections from wrongful actions taken by mortgage servicers.

  • Proposed Regulations

    Effective July 21, 2011, both the Federal Reserve Board of Governors (the Board) and the Consumer Financial Protection Bureau (the Bureau) have the authority to write certain consumer protection laws and regulations and ask for public comment on proposed changes.  To see a list of the Board's current regulatory proposals, click here.  Please note that any comments you post on the Board's public Web site will include your name and address, which may be viewed by any Internet user and may be accessed through Web search engines.

    You may read and comment on proposed regulatory changes being considered by the Bureau on the Bureau Blog or by clicking here.

    Español Reglamentos propuestos (en inglés)