What laws does the CFPB enforce?

The CFPB enforces a number of consumer financial protection laws and a variety of rules, orders, standards and prohibitions prescribed by the CFPB and certain rules issued by the Federal Trade Commission.

Some of the laws the CFPB enforces include:

• Alternative Mortgage Transaction Parity Act of 1982 (12 U.S.C. 3801 et seq.);
• Consumer Financial Protection Act (Title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act) (12 U.S.C. 5481 et seq.)
• Consumer Leasing Act of 1976 (15 U.S.C. 1667 et seq.)
• Electronic Fund Transfer Act (15 U.S.C. 1693 et seq.), except with respect to Section 920 of that Act
• Equal Credit Opportunity Act (15 U.S.C. 1691 et seq.)
• Fair Credit Billing Act (15 U.S.C. 1666 et seq.)
• Fair Credit Reporting Act (15 U.S.C. 1681et seq.), except with respect to Sections 615(e) and 628 of that Act
• Fair Debt Collection Practices Act (15 U.S.C. 1692 et seq.)
• Specified Rules under the Federal Trade Commission Act
• Federal Deposit Insurance Act, Section 43 (12 U.S.C. 1831t(b)–(f))
• Gramm-Leach-Bliley Act of 2009, Sections 502 through 509 [Privacy of Consumer Financial Information] (15 U.S.C. 6802–6809) except for Section 505 as it applies to Section 501(b)
• Home Mortgage Disclosure Act of 1975 (12 U.S.C. 2801 et seq.)
• Homeowners Protection Act of 1998 (12 U.S.C. 4901 et seq.)
• Home Ownership and Equity Protection Act of 1994 (15 U.S.C. 1601 note)
• Interstate Land Sales Full Disclosure Act (15 U.S.C. 1701)
• Military Lending Act (10 U.S.C. 1987)
• Omnibus Appropriations Act of 2009, Section 626 (12 U.S.C. 5538)
• Real Estate Settlement Procedures Act of 1974 (12 U.S.C. 2601 et seq.)
• S.A.F.E. Mortgage Licensing Act of 2008 (12 U.S.C. 5101 et seq.)
• Truth in Lending Act (15 U.S.C. 1601 et seq.)
• Truth in Savings Act (12 U.S.C. 4301 et seq.)

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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.