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.
Board of Governors Regulation Listing
Describes each of the Board's regulations.
Conference of State Bank Supervisors
Explains consumer protection laws for state chartered banks.
Consumer Action Handbook Listing
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.
Debt Collection (FTC)
Know your rights under the Fair Debt collection Practices Act when debt collectors contact you.
Español Cobranza de deudas (FTC)
Disclosure and Delivery Requirements for Appraisals and Other Valuations (CFPB)
Learn about revisions to the Equal Credit Opportunity Act, effective January 2014, that will make it easier for borrowers to review a valuation - an estimate of the home's value - before getting a mortgage loan.
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.
Fair Credit Billing (FTC)
Learn more about your rights under the Fair Credit Billing Act.
Español Facturación imparcial de crédito (FTC)
High-Cost Mortgage Protections (CFPB)
Starting in January 2014, new rules will protect consumers if a lender offers them a high-cost mortgage.
If Your Mortgage Lender Servicer is Closing or in Bankruptcy (FTC)
What to do if your mortgage company closes or files for bankruptcy.
Español Si su prestador hipotecario cierra o se declara en bancarrota (FTC)
Long-Distance Banking: A Guide to Your Rights and Risks (FDIC)
Understand your protections if you are considering using a distant or Internet institution.
Mortgage Discrimination (FTC)
Learn about the Fair Housing Act and Equal Credit Opportunity Act which protects you from mortgage loan discrimination.
Español Discriminación hipotecaria (FTC)
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.
Privacy Choices for Your Personal Financial Information
Explains how to read the federal privacy and opt-out notices you get from financial institutions and when you can and cannot prevent institutions from sharing your information.
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.
Español Reglamentos propuestos
Your Credit Rights: How the Law Protects You
Understand how credit is awarded or denied and what you can do if you are treated unfairly.
Your Equal Credit Opportunity Rights (FTC)
Summarizes the basic provisions of the Equal Credit Opportunity Act.
Español Sus Derechos de Igualdad de Oportunidad de Crédito
Your Rights to Financial Privacy (FDIC)
Understand your rights to financial privacy and what you need to do to exercise those rights.