🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 133 (from laksa045)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa133.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://www.consumerfinance.gov/learnmore/\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.consumerfinance.gov/learnmore/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.consumerfinance.gov\/learnmore\/","crawl_time":1775844479,"first_indexed_time":1408663439,"http_code":200,"src_unparsed":"gov,consumerfinance!www,\/learnmore\/ s443","src_root_hash":"3776308654534246533","history_drop_reason":null,"meta_title":"Learn more | Consumer Financial Protection Bureau","meta_descriptions":["The Consumer Financial Protection Bureau is a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders, and other financial institutions. Get started looking through tools and information about products and services we regulate."],"attrs_boilerpipe_text":"Learn more: Navigating financial rules and regulations\nEnglish\nEspañol\nWelcome to the Consumer Financial Protection Bureau. You may be here because you followed instructions on a page from your bank or another company. Or you may be an industry professional directed here by regulation to find the current version of a disclosure. Either way, you've come to the right place.\nOn this page:\nConsumers:\nFind help for your money situation\nIndustry professionals:\nDownload required disclosures\nFor consumers\nFind help for your money situation\nThe Consumer Financial Protection Bureau is a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders, and other financial institutions. Get started looking through tools and information about products and services we regulate.\nBrowse by money topic to find answers to commonly-asked financial questions. Learn the basics, understand key terms, and find ways to take action when you have an issue.\nIf you don't see the product or service you want,\ncheck out usa.gov\nto find other government sources.\nHave an issue with a financial product or service?\nWe’ll forward your complaint to the company and work to get you a response – generally within 15 days.\nSubmit a complaint\nFor industry and financial institutions\nCompliance resources and certain required disclosures\nIf you work in the financial services industry, a regulation section probably directed you to this page to find the most recent version of a disclosure. For additional regulatory help, explore our other\ncompliance resources\n.","attrs_markdown":"[Skip to main content](https:\/\/www.consumerfinance.gov\/learnmore\/#main)\n\nAn official website of the United States government\n\n[(855) 411-2372](tel:+1-855-411-2372)\n\n[![Consumer Financial Protection Bureau](https:\/\/www.consumerfinance.gov\/static\/img\/logo_237x50.c7c2ba6c929f.png)](https:\/\/www.consumerfinance.gov\/)\n\n[Submit a Complaint](https:\/\/www.consumerfinance.gov\/complaint\/)\n\n[Search](https:\/\/www.consumerfinance.gov\/search\/)\n\nSearch\n\nClose\n\nOpen the main menu\n\nClose the main menu\n\n- [Submit a Complaint](https:\/\/www.consumerfinance.gov\/complaint\/)\n- [Consumer Education](https:\/\/www.consumerfinance.gov\/learnmore\/)\n  Back\n  \n  - [Resources for Yourself](https:\/\/www.consumerfinance.gov\/consumer-tools\/)\n  - [Resources for Helping Others](https:\/\/www.consumerfinance.gov\/consumer-tools\/educator-tools\/)\n  - [Consumer Complaint Database](https:\/\/www.consumerfinance.gov\/data-research\/consumer-complaints\/)\n  \n  Money Topics\n  \n  - [Auto Loans](https:\/\/www.consumerfinance.gov\/consumer-tools\/auto-loans\/)\n  - [Bank Accounts & Services](https:\/\/www.consumerfinance.gov\/consumer-tools\/bank-accounts\/)\n  - [Credit Cards](https:\/\/www.consumerfinance.gov\/consumer-tools\/credit-cards\/)\n  - [Credit Reports & Scores](https:\/\/www.consumerfinance.gov\/consumer-tools\/credit-reports-and-scores\/)\n  - [Debt Collection](https:\/\/www.consumerfinance.gov\/consumer-tools\/debt-collection\/)\n  - [Fraud & Scams](https:\/\/www.consumerfinance.gov\/consumer-tools\/fraud\/)\n  \n  Money Topics\n  \n  - [Money Transfers](https:\/\/www.consumerfinance.gov\/consumer-tools\/money-transfers\/)\n  - [Mortgages](https:\/\/www.consumerfinance.gov\/consumer-tools\/mortgages\/)\n  - [Payday Loans](https:\/\/www.consumerfinance.gov\/consumer-tools\/payday-loans\/)\n  - [Prepaid Cards](https:\/\/www.consumerfinance.gov\/consumer-tools\/prepaid-cards\/)\n  - [Reverse Mortgages](https:\/\/www.consumerfinance.gov\/consumer-tools\/reverse-mortgages\/)\n  - [Student Loans](https:\/\/www.consumerfinance.gov\/consumer-tools\/student-loans\/)\n  \n  Featured\n  \n  - [Explore guides to help you plan for big financial goals](https:\/\/www.consumerfinance.gov\/consumer-tools\/)\n  \n  Additional Resources\n  \n  - [Submit a Complaint](https:\/\/www.consumerfinance.gov\/complaint\/)\n  - [Tell Your Story](https:\/\/www.consumerfinance.gov\/your-story\/)\n  - [Browse Ask CFPB](https:\/\/www.consumerfinance.gov\/ask-cfpb\/)\n- [Rules & Policy](https:\/\/www.consumerfinance.gov\/rules-policy\/)\n  Back\n  \n  [Rules & Policy Overview](https:\/\/www.consumerfinance.gov\/rules-policy\/)\n  \n  - [Final Rules](https:\/\/www.consumerfinance.gov\/rules-policy\/final-rules\/)\n  - [Interactive Regulations](https:\/\/www.consumerfinance.gov\/rules-policy\/regulations\/)\n  \n  - [Rules Under Development](https:\/\/www.consumerfinance.gov\/rules-policy\/rules-under-development\/)\n  - [Notices and Opportunities to Comment](https:\/\/www.consumerfinance.gov\/rules-policy\/notice-opportunities-comment\/)\n  - [Regulatory Agenda](https:\/\/www.consumerfinance.gov\/rules-policy\/regulatory-agenda\/)\n  - [Petitions for Rulemaking](https:\/\/www.consumerfinance.gov\/rules-policy\/petitions-rulemaking\/)\n  \n  - [Competition and Innovation](https:\/\/www.consumerfinance.gov\/rules-policy\/competition-innovation\/)\n  - [Advisory Committees](https:\/\/www.consumerfinance.gov\/rules-policy\/advisory-committees\/)\n- [Enforcement](https:\/\/www.consumerfinance.gov\/enforcement\/)\n  Back\n  \n  [Enforcement Overview](https:\/\/www.consumerfinance.gov\/enforcement\/)\n  \n  - [Enforcement Actions](https:\/\/www.consumerfinance.gov\/enforcement\/actions\/)\n  - [Enforcement by the Numbers](https:\/\/www.consumerfinance.gov\/enforcement\/enforcement-by-the-numbers\/)\n  - [Investigatory Authority](https:\/\/www.consumerfinance.gov\/enforcement\/investigatory-authority\/)\n  \n  - [Warning Letters](https:\/\/www.consumerfinance.gov\/enforcement\/warning-letters\/)\n  - [Payments to Harmed Consumers](https:\/\/www.consumerfinance.gov\/enforcement\/payments-harmed-consumers\/)\n  - [Industry Whistleblowers](https:\/\/www.consumerfinance.gov\/enforcement\/information-industry-whistleblowers\/)\n- [Compliance](https:\/\/www.consumerfinance.gov\/compliance\/)\n  Back\n  \n  [Compliance Overview](https:\/\/www.consumerfinance.gov\/compliance\/)\n  \n  - [Compliance Resources](https:\/\/www.consumerfinance.gov\/compliance\/compliance-resources\/)\n  - [Advisory Opinion Program](https:\/\/www.consumerfinance.gov\/compliance\/advisory-opinion-program\/)\n  - [Consumer Financial Protection Circulars](https:\/\/www.consumerfinance.gov\/compliance\/circulars\/)\n  \n  - [Supervision and Examinations](https:\/\/www.consumerfinance.gov\/compliance\/supervision-examinations\/)\n  - [Supervisory Highlights](https:\/\/www.consumerfinance.gov\/compliance\/supervisory-highlights\/)\n  - [Supervisory Guidance](https:\/\/www.consumerfinance.gov\/compliance\/supervisory-guidance\/)\n  \n  - [Registration & Submission Programs](https:\/\/www.consumerfinance.gov\/compliance\/registration-and-submission-programs\/)\n  - [Amicus Program](https:\/\/www.consumerfinance.gov\/compliance\/amicus\/)\n  - [Consumer Complaint Program](https:\/\/www.consumerfinance.gov\/compliance\/consumer-complaint-program\/)\n- [Data & Research](https:\/\/www.consumerfinance.gov\/data-research\/)\n  Back\n  \n  [Data & Research Overview](https:\/\/www.consumerfinance.gov\/data-research\/)\n  \n  - [Reports](https:\/\/www.consumerfinance.gov\/data-research\/research-reports\/)\n  - [Research Hub](https:\/\/www.consumerfinance.gov\/data-research\/research-hub\/)\n  - [Consumer Complaint Database](https:\/\/www.consumerfinance.gov\/data-research\/consumer-complaints\/)\n  - [Mortgage Database (HMDA)](https:\/\/www.consumerfinance.gov\/data-research\/hmda\/)\n  - [Small Business Lending Database](https:\/\/www.consumerfinance.gov\/data-research\/small-business-lending\/)\n  \n  - [Public Data Inventory](https:\/\/www.consumerfinance.gov\/data-research\/public-data-inventory\/)\n  - [Consumer Credit Trends](https:\/\/www.consumerfinance.gov\/data-research\/consumer-credit-trends\/)\n  - [Mortgage Performance Trends](https:\/\/www.consumerfinance.gov\/data-research\/mortgage-performance-trends\/)\n  - [Financial Well-Being Survey](https:\/\/www.consumerfinance.gov\/data-research\/financial-well-being-survey-data\/)\n  \n  - [Credit Card Surveys & Agreements](https:\/\/www.consumerfinance.gov\/data-research\/credit-card-data\/)\n  - [Prepaid Account Agreements](https:\/\/www.consumerfinance.gov\/data-research\/prepaid-accounts\/)\n  - [Making Ends Meet Survey Data](https:\/\/www.consumerfinance.gov\/data-research\/making-ends-meet-survey-data\/)\n  - [National Age-Friendly Banking Survey](https:\/\/www.consumerfinance.gov\/data-research\/national-age-friendly-banking-survey-data\/)\n  \n  Featured\n  \n  - [Help advance financial well-being](https:\/\/www.consumerfinance.gov\/data-research\/financial-well-being-survey-data\/)\n- [News](https:\/\/www.consumerfinance.gov\/learnmore\/)\n  Back\n  \n  - [Press Releases](https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/?categories=press-release)\n  - [Speeches & Op-eds](https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/?categories=op-ed&categories=speech)\n  - [Testimony](https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/?categories=testimony)\n  - [Statements](https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/?categories=directors-statement)\n  \n  - [Blog](https:\/\/www.consumerfinance.gov\/about-us\/blog\/)\n  - [Director’s Notebook](https:\/\/www.consumerfinance.gov\/about-us\/blog\/?categories=directors-notebook)\n  - [Recent Updates](https:\/\/www.consumerfinance.gov\/activity-log\/)\n  - [Consumer Advisories](https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/?categories=consumer-advisories)\n\n[(855) 411-2372](tel:+1-855-411-2372)\n\n# Learn more: Navigating financial rules and regulations\n- English\n- [Español](https:\/\/www.consumerfinance.gov\/es\/sepa-mas\/)\n\nWelcome to the Consumer Financial Protection Bureau. You may be here because you followed instructions on a page from your bank or another company. Or you may be an industry professional directed here by regulation to find the current version of a disclosure. Either way, you've come to the right place.\n\n**On this page:**\n\n- Consumers: [Find help for your money situation](https:\/\/www.consumerfinance.gov\/learnmore\/#1)\n- Industry professionals: [Download required disclosures](https:\/\/www.consumerfinance.gov\/learnmore\/#2)\n\n![](https:\/\/files.consumerfinance.gov\/f\/images\/Learnmore_hero_670x254_v3_blue_ZTwzcKh.width-800.jpg)\n\n***\n##### For consumers\n## Find help for your money situation\nThe Consumer Financial Protection Bureau is a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders, and other financial institutions. Get started looking through tools and information about products and services we regulate.\n\nCredit reports and identity theft\n\n- [How to get your free annual credit reports](https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-get-a-free-copy-of-my-credit-reports-en-5\/)\n- [How to dispute an error on your credit report](https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-dispute-an-error-on-my-credit-report-en-314\/)\n- [What to do if your credit application was denied](https:\/\/www.consumerfinance.gov\/ask-cfpb\/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253\/)\n- [What to do if you're a victim of identity theft](https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31\/)\n\nSee more about [credit reports and scores](https:\/\/www.consumerfinance.gov\/consumer-tools\/credit-reports-and-scores\/)\n\nCredit cards\n\n- [How to get your free annual credit reports](https:\/\/www.consumerfinance.gov\/ask-cfpb\/how-do-i-get-a-free-copy-of-my-credit-reports-en-5\/)\n- [How to find the best credit card for you](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_adult-fin-ed_how-to-find-the-best-credit-card.pdf)\n- [Read more about credit card interest rate and APR](https:\/\/www.consumerfinance.gov\/ask-cfpb\/what-is-a-credit-card-interest-rate-what-does-apr-mean-en-44\/)\n- [See what to do next if your credit application is denied because of a credit report](https:\/\/www.consumerfinance.gov\/ask-cfpb\/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253\/)\n\nView more [credit card resources](https:\/\/www.consumerfinance.gov\/consumer-tools\/credit-cards\/)\n\nMortgages\n\n- [How to shop for a home loan](https:\/\/www.consumerfinance.gov\/owning-a-home\/)\n- [See more mortgage resources](https:\/\/www.consumerfinance.gov\/consumer-tools\/mortgages\/)\n### Get help\nIf you are having an issue with your mortgage, reach out to a HUD-approved housing counseling agency. Click here to [find a counselor in your area](https:\/\/www.consumerfinance.gov\/find-a-housing-counselor). You can also call the [HOPE™ Hotline](https:\/\/www.consumerfinance.gov\/ask-cfpb\/i146ve-heard-about-something-called-the-hope153-hotline-what146s-that-en-263\/).\n\nLook through our other money topics\n\nBrowse by money topic to find answers to commonly-asked financial questions. Learn the basics, understand key terms, and find ways to take action when you have an issue.\n\n- [Auto loans](https:\/\/www.consumerfinance.gov\/consumer-tools\/auto-loans\/)\n- [Bank accounts and services](https:\/\/www.consumerfinance.gov\/consumer-tools\/bank-accounts\/)\n- [Debt collection](https:\/\/www.consumerfinance.gov\/consumer-tools\/debt-collection\/)\n- [Fraud and scams](https:\/\/www.consumerfinance.gov\/consumer-tools\/fraud\/)\n- [Money transfers](https:\/\/www.consumerfinance.gov\/consumer-tools\/money-transfers\/)\n\n- [Payday loans](https:\/\/www.consumerfinance.gov\/consumer-tools\/payday-loans\/)\n- [Prepaid cards](https:\/\/www.consumerfinance.gov\/consumer-tools\/prepaid-cards\/)\n- [Reverse mortgages](https:\/\/www.consumerfinance.gov\/consumer-tools\/reverse-mortgages\/)\n- [Student loans](https:\/\/www.consumerfinance.gov\/consumer-tools\/student-loans\/)\n\nIf you don't see the product or service you want, [check out usa.gov](https:\/\/www.usa.gov\/money) to find other government sources.\n\n**Have an issue with a financial product or service?** We’ll forward your complaint to the company and work to get you a response – generally within 15 days. [Submit a complaint](https:\/\/www.consumerfinance.gov\/complaint\/)\n\n##### For industry and financial institutions\n## Compliance resources and certain required disclosures\nIf you work in the financial services industry, a regulation section probably directed you to this page to find the most recent version of a disclosure. For additional regulatory help, explore our other [compliance resources](https:\/\/www.consumerfinance.gov\/compliance\/compliance-resources\/).\n\nYour home loan toolkit\n\nThe “Your Home Loan Toolkit” is the special information booklet required by Regulation X, 12 CFR 1024.6 and Regulation Z, 12 CFR 1026.19(g). Providing the booklet to your consumers helps them understand the home buying process and the nature and costs of real estate settlement services. You are required to provide the toolkit to consumers after application, and all market participants are encouraged to provide the toolkit to consumers as early in the home or mortgage shopping process as possible.\n\n***Last updated: August 2015***\n\n- Download the toolkit, designed for electronic delivery and interactivity (\n  [English](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_your-home-loan-toolkit.pdf)\n  \\|\n  [Spanish](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_your-home-loan-toolkit_es.pdf)\n  )\n- Order printed copies (\n  [Large](https:\/\/bookstore.gpo.gov\/products\/your-home-loan-toolkit-step-step-guide-large-version-package-25)\n  \\|\n  [Small](https:\/\/bookstore.gpo.gov\/products\/your-home-loan-toolkit-step-step-guide-small-version)\n  \\|\n  [Spanish](https:\/\/bookstore.gpo.gov\/products\/su-conjunto-de-herramientas-para-prestamos-hipotecarios-guia-paso-paso-spanish-language)\n  ) from the U.S. Government Printing Office\n- Download\n  [instructions](https:\/\/www.consumerfinance.gov\/f\/201505_cfpb_using-your-logo-with-your-home-loan-toolkit-instructions.pdf)\n  and required disclaimer ([English](https:\/\/www.consumerfinance.gov\/f\/201505_cfpb_using-your-logo-with-your-home-loan-toolkit-disclaimer.jpg) \\| [Spanish](https:\/\/www.consumerfinance.gov\/f\/201507_cfpb_using-your-logo-with-your-home-loan-toolkit-disclaimer-spanish.jpg)) if you’d like to add your organization’s logo\n\nConsumer handbook on adjustable rate mortgages (CHARM booklet)\n\nThe CHARM booklet outlines the features and risks of adjustable rate mortgages. You are required under 12 CFR 1026.19(b)(1) to deliver this booklet to consumers who apply for an ARM.\n\n***Last updated: June 2020***\n\n- Download the print-ready version (\n  [English](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_charm_booklet_print.pdf)\n  \\|\n  [Spanish](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_charm_booklet-print-es.pdf)\n  )\n- Download the web-enabled version (\n  [English](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_charm_booklet.pdf)\n  \\|\n  [Spanish](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_charm_booklet-es.pdf)\n  ).\n- Order printed copies from the U.S. Government Printing Office (\n  [English](https:\/\/bookstore.gpo.gov\/products\/consumer-handbook-adjustable-rate-mortgages)\n  \\|\n  [Spanish](https:\/\/bookstore.gpo.gov\/products\/guia-para-el-consumidor-sobre-hipotecas-tasa-adjustable-arm-spanish-language)\n  )\n\nHELOC brochure\n\nThe brochure, “What You Should Know About Home Equity Lines of Credit,” covers the features and risks of HELOCs. You are required under 12 CFR 1026.40(e) to provide this brochure to consumers who apply for a HELOC. A notice of availability for the current version of the brochure was published in the Federal Register on December 16, 2022.\n\n***Last updated: December 2022***\n\n- Download the print-ready version (\n  [English](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_heloc-brochure_print.pdf)\n  \\|\n  [Spanish](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_heloc-brochure_print_es.pdf)\n  )\n- Download the web-enabled version (\n  [English](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_heloc-brochure.pdf)\n  \\|\n  [Spanish](https:\/\/files.consumerfinance.gov\/f\/documents\/cfpb_heloc-brochure_es.pdf)\n  )\n- Order printed copies from the U.S. Government Printing Office (\n  [English](https:\/\/bookstore.gpo.gov\/products\/what-you-should-know-about-home-equity-lines-credit-heloc)\n  \\|\n  [Spanish](https:\/\/bookstore.gpo.gov\/products\/lo-que-debe-saber-sobre-lineas-de-credito-garantizadas-por-la-plusval)\n  )\n\nCreditors may, at their option, immediately begin using the revised HELOC brochure, or a suitable substitute, to comply with the requirements under 12 CFR 1026.40(e). The CFPB understands, however, that some may wish to use their existing stock of the HELOC brochure. Therefore, those who provide this publication may use earlier versions of the HELOC brochure until existing supplies are exhausted. When reprinting the HELOC brochure, the most recent version should be used.\n\nLook through our other compliance resources\n\nBrowse the [Compliance overview](https:\/\/www.consumerfinance.gov\/compliance\/) page for other CFPB guidance and compliance resources to help you understand and comply. Or browse compliance resources by product:\n\n- [Consumer cards](https:\/\/www.consumerfinance.gov\/compliance\/compliance-resources\/consumer-cards-resources\/)\n- [Consumer lending](https:\/\/www.consumerfinance.gov\/compliance\/compliance-resources\/consumer-lending-resources\/)\n- [Deposit accounts and services](https:\/\/www.consumerfinance.gov\/compliance\/compliance-resources\/deposit-accounts-resources\/)\n- [Mortgages](https:\/\/www.consumerfinance.gov\/compliance\/compliance-resources\/mortgage-resources\/)\n- [Other applicable requirements](https:\/\/www.consumerfinance.gov\/compliance\/compliance-resources\/other-applicable-requirements\/)\n\n***\nPage last modified Feb. 26, 2026 @ 04:46 PM EST\n\n[View older versions of this page at our public archive.](https:\/\/wayback.archive-it.org\/23481\/*\/https:\/\/www.consumerfinance.gov\/learnmore\/)\n\nShare this\n\n## Further reading\n### Blog\n- ### [Strengthening Appraisal Oversight: Progress at the Appraisal Subcommittee](https:\/\/www.consumerfinance.gov\/about-us\/blog\/strengthening-appraisal-oversight-progress-at-the-appraisal-subcommittee\/)\n  JAN 17, 2025\n- ### [Holding Credit Reporting Companies Accountable for Junk Data](https:\/\/www.consumerfinance.gov\/about-us\/blog\/holding-credit-reporting-companies-accountable-for-junk-data\/)\n  JAN 16, 2025\n- ### [What We’re Watching: Language Access in Consumer Finance](https:\/\/www.consumerfinance.gov\/about-us\/blog\/what-were-watching-language-access-in-consumer-finance\/)\n  JAN 15, 2025\n\n### Newsroom\n- ### [2025 HMDA Data on Mortgage Lending Now Available](https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/2025-hmda-data-on-mortgage-lending-now-available\/)\n  MAR 31, 2026\n- ### [CFPB Amends Wise Order for Remittance Practices](https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/cfpb-amends-wise-order-for-remittance-practices\/)\n  MAY 15, 2025\n- ### [2024 HMDA Data on Mortgage Lending Now Available](https:\/\/www.consumerfinance.gov\/about-us\/newsroom\/2024-hmda-data-on-mortgage-lending-now-available\/)\n  MAR 31, 2025\n\n[View more](https:\/\/www.consumerfinance.gov\/activity-log\/?topics=auto-loans&topics=banking&topics=credit-cards&topics=credit-reports-and-scores&topics=debt-collection&topics=financial-education&topics=financial-service-providers&topics=financial-well-being&topics=homebuying&topics=identity-theft-fraud&topics=money-transfers&topics=mortgages&topics=parents&topics=payday-loans&topics=prepaid-cards&topics=saving&topics=student-loans&topics=students)\n\n[Back to top](https:\/\/www.consumerfinance.gov\/learnmore\/)\n\n- [About Us](https:\/\/www.consumerfinance.gov\/about-us\/)\n- [Contact Us](https:\/\/www.consumerfinance.gov\/about-us\/contact-us\/)\n- [Careers](https:\/\/www.consumerfinance.gov\/about-us\/careers\/)\n- [Events](https:\/\/www.consumerfinance.gov\/about-us\/events\/)\n- [Industry Whistleblowers](https:\/\/www.consumerfinance.gov\/enforcement\/information-industry-whistleblowers\/)\n- [CFPB Ombudsman](https:\/\/www.consumerfinance.gov\/cfpb-ombudsman\/)\n\n- [FOIA](https:\/\/www.consumerfinance.gov\/foia-requests\/)\n- [Privacy](https:\/\/www.consumerfinance.gov\/privacy\/)\n- [Website Privacy Policy & Legal Notices](https:\/\/www.consumerfinance.gov\/privacy\/website-privacy-policy\/)\n- [Data](https:\/\/www.consumerfinance.gov\/data\/)\n- [Open Government](https:\/\/www.consumerfinance.gov\/open-government\/)\n- [Information Quality Guidelines](https:\/\/www.consumerfinance.gov\/open-government\/information-quality-guidelines\/)\n\n- [Office of Minority and Women Inclusion](https:\/\/www.consumerfinance.gov\/about-us\/omwi\/)\n- [Administrative Adjudication](https:\/\/www.consumerfinance.gov\/administrative-adjudication-proceedings\/)\n- [Plain Writing](https:\/\/www.consumerfinance.gov\/plain-writing\/)\n- [Accessibility](https:\/\/www.consumerfinance.gov\/accessibility\/)\n- [Office of Civil Rights](https:\/\/www.consumerfinance.gov\/office-civil-rights\/)\n- [No FEAR Act & Cummings Act](https:\/\/www.consumerfinance.gov\/office-civil-rights\/no-fear-act-cummings-act\/)\n- [Tribal](https:\/\/www.consumerfinance.gov\/tribal\/)\n\n- [USA.gov](https:\/\/www.usa.gov\/)\n- [Office of Inspector General](https:\/\/oig.federalreserve.gov\/)\n- [Public Archive](https:\/\/archive-it.org\/organizations\/2800)\n\nAn official website of the United States government","attrs_readable_markdown":"## Learn more: Navigating financial rules and regulations\n- English\n- [Español](https:\/\/www.consumerfinance.gov\/es\/sepa-mas\/)\n\nWelcome to the Consumer Financial Protection Bureau. You may be here because you followed instructions on a page from your bank or another company. Or you may be an industry professional directed here by regulation to find the current version of a disclosure. Either way, you've come to the right place.\n\n**On this page:**\n\n- Consumers: [Find help for your money situation](https:\/\/www.consumerfinance.gov\/learnmore\/#1)\n- Industry professionals: [Download required disclosures](https:\/\/www.consumerfinance.gov\/learnmore\/#2)\n\n![](https:\/\/files.consumerfinance.gov\/f\/images\/Learnmore_hero_670x254_v3_blue_ZTwzcKh.width-800.jpg)\n\n***\n##### For consumers\n## Find help for your money situation\nThe Consumer Financial Protection Bureau is a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders, and other financial institutions. Get started looking through tools and information about products and services we regulate.\n\nBrowse by money topic to find answers to commonly-asked financial questions. Learn the basics, understand key terms, and find ways to take action when you have an issue.\n\nIf you don't see the product or service you want,\n\n[check out usa.gov](https:\/\/www.usa.gov\/money)\n\nto find other government sources.\n\n**Have an issue with a financial product or service?** We’ll forward your complaint to the company and work to get you a response – generally within 15 days. [Submit a complaint](https:\/\/www.consumerfinance.gov\/complaint\/)\n\n##### For industry and financial institutions\n## Compliance resources and certain required disclosures\nIf you work in the financial services industry, a regulation section probably directed you to this page to find the most recent version of a disclosure. For additional regulatory help, explore our other [compliance resources](https:\/\/www.consumerfinance.gov\/compliance\/compliance-resources\/).","meta_canonical":null}

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Boilerpipe Text	Learn more: Navigating financial rules and regulations English Español Welcome to the Consumer Financial Protection Bureau. You may be here because you followed instructions on a page from your bank or another company. Or you may be an industry professional directed here by regulation to find the current version of a disclosure. Either way, you've come to the right place. On this page: Consumers: Find help for your money situation Industry professionals: Download required disclosures For consumers Find help for your money situation The Consumer Financial Protection Bureau is a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders, and other financial institutions. Get started looking through tools and information about products and services we regulate. Browse by money topic to find answers to commonly-asked financial questions. Learn the basics, understand key terms, and find ways to take action when you have an issue. If you don't see the product or service you want, check out usa.gov to find other government sources. Have an issue with a financial product or service? We’ll forward your complaint to the company and work to get you a response – generally within 15 days. Submit a complaint For industry and financial institutions Compliance resources and certain required disclosures If you work in the financial services industry, a regulation section probably directed you to this page to find the most recent version of a disclosure. For additional regulatory help, explore our other compliance resources .
Markdown	[Skip to main content](https://www.consumerfinance.gov/learnmore/#main) An official website of the United States government [(855) 411-2372](tel:+1-855-411-2372) [![Consumer Financial Protection Bureau](https://www.consumerfinance.gov/static/img/logo_237x50.c7c2ba6c929f.png)](https://www.consumerfinance.gov/) [Submit a Complaint](https://www.consumerfinance.gov/complaint/) [Search](https://www.consumerfinance.gov/search/) Search Close Open the main menu Close the main menu - [Submit a Complaint](https://www.consumerfinance.gov/complaint/) - [Consumer Education](https://www.consumerfinance.gov/learnmore/) Back - [Resources for Yourself](https://www.consumerfinance.gov/consumer-tools/) - [Resources for Helping Others](https://www.consumerfinance.gov/consumer-tools/educator-tools/) - [Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/) Money Topics - [Auto Loans](https://www.consumerfinance.gov/consumer-tools/auto-loans/) - [Bank Accounts & Services](https://www.consumerfinance.gov/consumer-tools/bank-accounts/) - [Credit Cards](https://www.consumerfinance.gov/consumer-tools/credit-cards/) - [Credit Reports & Scores](https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/) - [Debt Collection](https://www.consumerfinance.gov/consumer-tools/debt-collection/) - [Fraud & Scams](https://www.consumerfinance.gov/consumer-tools/fraud/) Money Topics - [Money Transfers](https://www.consumerfinance.gov/consumer-tools/money-transfers/) - [Mortgages](https://www.consumerfinance.gov/consumer-tools/mortgages/) - [Payday Loans](https://www.consumerfinance.gov/consumer-tools/payday-loans/) - [Prepaid Cards](https://www.consumerfinance.gov/consumer-tools/prepaid-cards/) - [Reverse Mortgages](https://www.consumerfinance.gov/consumer-tools/reverse-mortgages/) - [Student Loans](https://www.consumerfinance.gov/consumer-tools/student-loans/) Featured - [Explore guides to help you plan for big financial goals](https://www.consumerfinance.gov/consumer-tools/) Additional Resources - [Submit a Complaint](https://www.consumerfinance.gov/complaint/) - [Tell Your Story](https://www.consumerfinance.gov/your-story/) - [Browse Ask CFPB](https://www.consumerfinance.gov/ask-cfpb/) - [Rules & Policy](https://www.consumerfinance.gov/rules-policy/) Back [Rules & Policy Overview](https://www.consumerfinance.gov/rules-policy/) - [Final Rules](https://www.consumerfinance.gov/rules-policy/final-rules/) - [Interactive Regulations](https://www.consumerfinance.gov/rules-policy/regulations/) - [Rules Under Development](https://www.consumerfinance.gov/rules-policy/rules-under-development/) - [Notices and Opportunities to Comment](https://www.consumerfinance.gov/rules-policy/notice-opportunities-comment/) - [Regulatory Agenda](https://www.consumerfinance.gov/rules-policy/regulatory-agenda/) - [Petitions for Rulemaking](https://www.consumerfinance.gov/rules-policy/petitions-rulemaking/) - [Competition and Innovation](https://www.consumerfinance.gov/rules-policy/competition-innovation/) - [Advisory Committees](https://www.consumerfinance.gov/rules-policy/advisory-committees/) - [Enforcement](https://www.consumerfinance.gov/enforcement/) Back [Enforcement Overview](https://www.consumerfinance.gov/enforcement/) - [Enforcement Actions](https://www.consumerfinance.gov/enforcement/actions/) - [Enforcement by the Numbers](https://www.consumerfinance.gov/enforcement/enforcement-by-the-numbers/) - [Investigatory Authority](https://www.consumerfinance.gov/enforcement/investigatory-authority/) - [Warning Letters](https://www.consumerfinance.gov/enforcement/warning-letters/) - [Payments to Harmed Consumers](https://www.consumerfinance.gov/enforcement/payments-harmed-consumers/) - [Industry Whistleblowers](https://www.consumerfinance.gov/enforcement/information-industry-whistleblowers/) - [Compliance](https://www.consumerfinance.gov/compliance/) Back [Compliance Overview](https://www.consumerfinance.gov/compliance/) - [Compliance Resources](https://www.consumerfinance.gov/compliance/compliance-resources/) - [Advisory Opinion Program](https://www.consumerfinance.gov/compliance/advisory-opinion-program/) - [Consumer Financial Protection Circulars](https://www.consumerfinance.gov/compliance/circulars/) - [Supervision and Examinations](https://www.consumerfinance.gov/compliance/supervision-examinations/) - [Supervisory Highlights](https://www.consumerfinance.gov/compliance/supervisory-highlights/) - [Supervisory Guidance](https://www.consumerfinance.gov/compliance/supervisory-guidance/) - [Registration & Submission Programs](https://www.consumerfinance.gov/compliance/registration-and-submission-programs/) - [Amicus Program](https://www.consumerfinance.gov/compliance/amicus/) - [Consumer Complaint Program](https://www.consumerfinance.gov/compliance/consumer-complaint-program/) - [Data & Research](https://www.consumerfinance.gov/data-research/) Back [Data & Research Overview](https://www.consumerfinance.gov/data-research/) - [Reports](https://www.consumerfinance.gov/data-research/research-reports/) - [Research Hub](https://www.consumerfinance.gov/data-research/research-hub/) - [Consumer Complaint Database](https://www.consumerfinance.gov/data-research/consumer-complaints/) - [Mortgage Database (HMDA)](https://www.consumerfinance.gov/data-research/hmda/) - [Small Business Lending Database](https://www.consumerfinance.gov/data-research/small-business-lending/) - [Public Data Inventory](https://www.consumerfinance.gov/data-research/public-data-inventory/) - [Consumer Credit Trends](https://www.consumerfinance.gov/data-research/consumer-credit-trends/) - [Mortgage Performance Trends](https://www.consumerfinance.gov/data-research/mortgage-performance-trends/) - [Financial Well-Being Survey](https://www.consumerfinance.gov/data-research/financial-well-being-survey-data/) - [Credit Card Surveys & Agreements](https://www.consumerfinance.gov/data-research/credit-card-data/) - [Prepaid Account Agreements](https://www.consumerfinance.gov/data-research/prepaid-accounts/) - [Making Ends Meet Survey Data](https://www.consumerfinance.gov/data-research/making-ends-meet-survey-data/) - [National Age-Friendly Banking Survey](https://www.consumerfinance.gov/data-research/national-age-friendly-banking-survey-data/) Featured - [Help advance financial well-being](https://www.consumerfinance.gov/data-research/financial-well-being-survey-data/) - [News](https://www.consumerfinance.gov/learnmore/) Back - [Press Releases](https://www.consumerfinance.gov/about-us/newsroom/?categories=press-release) - [Speeches & Op-eds](https://www.consumerfinance.gov/about-us/newsroom/?categories=op-ed&categories=speech) - [Testimony](https://www.consumerfinance.gov/about-us/newsroom/?categories=testimony) - [Statements](https://www.consumerfinance.gov/about-us/newsroom/?categories=directors-statement) - [Blog](https://www.consumerfinance.gov/about-us/blog/) - [Director’s Notebook](https://www.consumerfinance.gov/about-us/blog/?categories=directors-notebook) - [Recent Updates](https://www.consumerfinance.gov/activity-log/) - [Consumer Advisories](https://www.consumerfinance.gov/about-us/newsroom/?categories=consumer-advisories) [(855) 411-2372](tel:+1-855-411-2372) # Learn more: Navigating financial rules and regulations - English - [Español](https://www.consumerfinance.gov/es/sepa-mas/) Welcome to the Consumer Financial Protection Bureau. You may be here because you followed instructions on a page from your bank or another company. Or you may be an industry professional directed here by regulation to find the current version of a disclosure. Either way, you've come to the right place. On this page: - Consumers: [Find help for your money situation](https://www.consumerfinance.gov/learnmore/#1) - Industry professionals: [Download required disclosures](https://www.consumerfinance.gov/learnmore/#2) ![](https://files.consumerfinance.gov/f/images/Learnmore_hero_670x254_v3_blue_ZTwzcKh.width-800.jpg) * ##### For consumers ## Find help for your money situation The Consumer Financial Protection Bureau is a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders, and other financial institutions. Get started looking through tools and information about products and services we regulate. Credit reports and identity theft - [How to get your free annual credit reports](https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/) - [How to dispute an error on your credit report](https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/) - [What to do if your credit application was denied](https://www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/) - [What to do if you're a victim of identity theft](https://www.consumerfinance.gov/ask-cfpb/what-do-i-do-if-i-think-i-have-been-a-victim-of-identity-theft-en-31/) See more about [credit reports and scores](https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/) Credit cards - [How to get your free annual credit reports](https://www.consumerfinance.gov/ask-cfpb/how-do-i-get-a-free-copy-of-my-credit-reports-en-5/) - [How to find the best credit card for you](https://files.consumerfinance.gov/f/documents/cfpb_adult-fin-ed_how-to-find-the-best-credit-card.pdf) - [Read more about credit card interest rate and APR](https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-card-interest-rate-what-does-apr-mean-en-44/) - [See what to do next if your credit application is denied because of a credit report](https://www.consumerfinance.gov/ask-cfpb/my-credit-application-was-denied-because-of-my-credit-report-what-can-i-do-en-1253/) View more [credit card resources](https://www.consumerfinance.gov/consumer-tools/credit-cards/) Mortgages - [How to shop for a home loan](https://www.consumerfinance.gov/owning-a-home/) - [See more mortgage resources](https://www.consumerfinance.gov/consumer-tools/mortgages/) ### Get help If you are having an issue with your mortgage, reach out to a HUD-approved housing counseling agency. Click here to [find a counselor in your area](https://www.consumerfinance.gov/find-a-housing-counselor). You can also call the [HOPE™ Hotline](https://www.consumerfinance.gov/ask-cfpb/i146ve-heard-about-something-called-the-hope153-hotline-what146s-that-en-263/). Look through our other money topics Browse by money topic to find answers to commonly-asked financial questions. Learn the basics, understand key terms, and find ways to take action when you have an issue. - [Auto loans](https://www.consumerfinance.gov/consumer-tools/auto-loans/) - [Bank accounts and services](https://www.consumerfinance.gov/consumer-tools/bank-accounts/) - [Debt collection](https://www.consumerfinance.gov/consumer-tools/debt-collection/) - [Fraud and scams](https://www.consumerfinance.gov/consumer-tools/fraud/) - [Money transfers](https://www.consumerfinance.gov/consumer-tools/money-transfers/) - [Payday loans](https://www.consumerfinance.gov/consumer-tools/payday-loans/) - [Prepaid cards](https://www.consumerfinance.gov/consumer-tools/prepaid-cards/) - [Reverse mortgages](https://www.consumerfinance.gov/consumer-tools/reverse-mortgages/) - [Student loans](https://www.consumerfinance.gov/consumer-tools/student-loans/) If you don't see the product or service you want, [check out usa.gov](https://www.usa.gov/money) to find other government sources. Have an issue with a financial product or service? We’ll forward your complaint to the company and work to get you a response – generally within 15 days. [Submit a complaint](https://www.consumerfinance.gov/complaint/) ##### For industry and financial institutions ## Compliance resources and certain required disclosures If you work in the financial services industry, a regulation section probably directed you to this page to find the most recent version of a disclosure. For additional regulatory help, explore our other [compliance resources](https://www.consumerfinance.gov/compliance/compliance-resources/). Your home loan toolkit The “Your Home Loan Toolkit” is the special information booklet required by Regulation X, 12 CFR 1024.6 and Regulation Z, 12 CFR 1026.19(g). Providing the booklet to your consumers helps them understand the home buying process and the nature and costs of real estate settlement services. You are required to provide the toolkit to consumers after application, and all market participants are encouraged to provide the toolkit to consumers as early in the home or mortgage shopping process as possible. Last updated: August 2015 - Download the toolkit, designed for electronic delivery and interactivity ( [English](https://files.consumerfinance.gov/f/documents/cfpb_your-home-loan-toolkit.pdf) \\| [Spanish](https://files.consumerfinance.gov/f/documents/cfpb_your-home-loan-toolkit_es.pdf) ) - Order printed copies ( [Large](https://bookstore.gpo.gov/products/your-home-loan-toolkit-step-step-guide-large-version-package-25) \\| [Small](https://bookstore.gpo.gov/products/your-home-loan-toolkit-step-step-guide-small-version) \\| [Spanish](https://bookstore.gpo.gov/products/su-conjunto-de-herramientas-para-prestamos-hipotecarios-guia-paso-paso-spanish-language) ) from the U.S. Government Printing Office - Download [instructions](https://www.consumerfinance.gov/f/201505_cfpb_using-your-logo-with-your-home-loan-toolkit-instructions.pdf) and required disclaimer ([English](https://www.consumerfinance.gov/f/201505_cfpb_using-your-logo-with-your-home-loan-toolkit-disclaimer.jpg) \\| [Spanish](https://www.consumerfinance.gov/f/201507_cfpb_using-your-logo-with-your-home-loan-toolkit-disclaimer-spanish.jpg)) if you’d like to add your organization’s logo Consumer handbook on adjustable rate mortgages (CHARM booklet) The CHARM booklet outlines the features and risks of adjustable rate mortgages. You are required under 12 CFR 1026.19(b)(1) to deliver this booklet to consumers who apply for an ARM. Last updated: June 2020 - Download the print-ready version ( [English](https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet_print.pdf) \\| [Spanish](https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet-print-es.pdf) ) - Download the web-enabled version ( [English](https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet.pdf) \\| [Spanish](https://files.consumerfinance.gov/f/documents/cfpb_charm_booklet-es.pdf) ). - Order printed copies from the U.S. Government Printing Office ( [English](https://bookstore.gpo.gov/products/consumer-handbook-adjustable-rate-mortgages) \\| [Spanish](https://bookstore.gpo.gov/products/guia-para-el-consumidor-sobre-hipotecas-tasa-adjustable-arm-spanish-language) ) HELOC brochure The brochure, “What You Should Know About Home Equity Lines of Credit,” covers the features and risks of HELOCs. You are required under 12 CFR 1026.40(e) to provide this brochure to consumers who apply for a HELOC. A notice of availability for the current version of the brochure was published in the Federal Register on December 16, 2022. Last updated: December 2022 - Download the print-ready version ( [English](https://files.consumerfinance.gov/f/documents/cfpb_heloc-brochure_print.pdf) \\| [Spanish](https://files.consumerfinance.gov/f/documents/cfpb_heloc-brochure_print_es.pdf) ) - Download the web-enabled version ( [English](https://files.consumerfinance.gov/f/documents/cfpb_heloc-brochure.pdf) \\| [Spanish](https://files.consumerfinance.gov/f/documents/cfpb_heloc-brochure_es.pdf) ) - Order printed copies from the U.S. Government Printing Office ( [English](https://bookstore.gpo.gov/products/what-you-should-know-about-home-equity-lines-credit-heloc) \\| [Spanish](https://bookstore.gpo.gov/products/lo-que-debe-saber-sobre-lineas-de-credito-garantizadas-por-la-plusval) ) Creditors may, at their option, immediately begin using the revised HELOC brochure, or a suitable substitute, to comply with the requirements under 12 CFR 1026.40(e). The CFPB understands, however, that some may wish to use their existing stock of the HELOC brochure. Therefore, those who provide this publication may use earlier versions of the HELOC brochure until existing supplies are exhausted. When reprinting the HELOC brochure, the most recent version should be used. Look through our other compliance resources Browse the [Compliance overview](https://www.consumerfinance.gov/compliance/) page for other CFPB guidance and compliance resources to help you understand and comply. Or browse compliance resources by product: - [Consumer cards](https://www.consumerfinance.gov/compliance/compliance-resources/consumer-cards-resources/) - [Consumer lending](https://www.consumerfinance.gov/compliance/compliance-resources/consumer-lending-resources/) - [Deposit accounts and services](https://www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/) - [Mortgages](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/) - [Other applicable requirements](https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/) * Page last modified Feb. 26, 2026 @ 04:46 PM EST [View older versions of this page at our public archive.](https://wayback.archive-it.org/23481/*/https://www.consumerfinance.gov/learnmore/) Share this ## Further reading ### Blog - ### [Strengthening Appraisal Oversight: Progress at the Appraisal Subcommittee](https://www.consumerfinance.gov/about-us/blog/strengthening-appraisal-oversight-progress-at-the-appraisal-subcommittee/) JAN 17, 2025 - ### [Holding Credit Reporting Companies Accountable for Junk Data](https://www.consumerfinance.gov/about-us/blog/holding-credit-reporting-companies-accountable-for-junk-data/) JAN 16, 2025 - ### [What We’re Watching: Language Access in Consumer Finance](https://www.consumerfinance.gov/about-us/blog/what-were-watching-language-access-in-consumer-finance/) JAN 15, 2025 ### Newsroom - ### [2025 HMDA Data on Mortgage Lending Now Available](https://www.consumerfinance.gov/about-us/newsroom/2025-hmda-data-on-mortgage-lending-now-available/) MAR 31, 2026 - ### [CFPB Amends Wise Order for Remittance Practices](https://www.consumerfinance.gov/about-us/newsroom/cfpb-amends-wise-order-for-remittance-practices/) MAY 15, 2025 - ### [2024 HMDA Data on Mortgage Lending Now Available](https://www.consumerfinance.gov/about-us/newsroom/2024-hmda-data-on-mortgage-lending-now-available/) MAR 31, 2025 [View more](https://www.consumerfinance.gov/activity-log/?topics=auto-loans&topics=banking&topics=credit-cards&topics=credit-reports-and-scores&topics=debt-collection&topics=financial-education&topics=financial-service-providers&topics=financial-well-being&topics=homebuying&topics=identity-theft-fraud&topics=money-transfers&topics=mortgages&topics=parents&topics=payday-loans&topics=prepaid-cards&topics=saving&topics=student-loans&topics=students) [Back to top](https://www.consumerfinance.gov/learnmore/) - [About Us](https://www.consumerfinance.gov/about-us/) - [Contact Us](https://www.consumerfinance.gov/about-us/contact-us/) - [Careers](https://www.consumerfinance.gov/about-us/careers/) - [Events](https://www.consumerfinance.gov/about-us/events/) - [Industry Whistleblowers](https://www.consumerfinance.gov/enforcement/information-industry-whistleblowers/) - [CFPB Ombudsman](https://www.consumerfinance.gov/cfpb-ombudsman/) - [FOIA](https://www.consumerfinance.gov/foia-requests/) - [Privacy](https://www.consumerfinance.gov/privacy/) - [Website Privacy Policy & Legal Notices](https://www.consumerfinance.gov/privacy/website-privacy-policy/) - [Data](https://www.consumerfinance.gov/data/) - [Open Government](https://www.consumerfinance.gov/open-government/) - [Information Quality Guidelines](https://www.consumerfinance.gov/open-government/information-quality-guidelines/) - [Office of Minority and Women Inclusion](https://www.consumerfinance.gov/about-us/omwi/) - [Administrative Adjudication](https://www.consumerfinance.gov/administrative-adjudication-proceedings/) - [Plain Writing](https://www.consumerfinance.gov/plain-writing/) - [Accessibility](https://www.consumerfinance.gov/accessibility/) - [Office of Civil Rights](https://www.consumerfinance.gov/office-civil-rights/) - [No FEAR Act & Cummings Act](https://www.consumerfinance.gov/office-civil-rights/no-fear-act-cummings-act/) - [Tribal](https://www.consumerfinance.gov/tribal/) - [USA.gov](https://www.usa.gov/) - [Office of Inspector General](https://oig.federalreserve.gov/) - [Public Archive](https://archive-it.org/organizations/2800) An official website of the United States government
Readable Markdown	## Learn more: Navigating financial rules and regulations - English - [Español](https://www.consumerfinance.gov/es/sepa-mas/) Welcome to the Consumer Financial Protection Bureau. You may be here because you followed instructions on a page from your bank or another company. Or you may be an industry professional directed here by regulation to find the current version of a disclosure. Either way, you've come to the right place. On this page: - Consumers: [Find help for your money situation](https://www.consumerfinance.gov/learnmore/#1) - Industry professionals: [Download required disclosures](https://www.consumerfinance.gov/learnmore/#2) ![](https://files.consumerfinance.gov/f/images/Learnmore_hero_670x254_v3_blue_ZTwzcKh.width-800.jpg) * ##### For consumers ## Find help for your money situation The Consumer Financial Protection Bureau is a U.S. government agency dedicated to making sure you are treated fairly by banks, lenders, and other financial institutions. Get started looking through tools and information about products and services we regulate. Browse by money topic to find answers to commonly-asked financial questions. Learn the basics, understand key terms, and find ways to take action when you have an issue. If you don't see the product or service you want, [check out usa.gov](https://www.usa.gov/money) to find other government sources. Have an issue with a financial product or service?** We’ll forward your complaint to the company and work to get you a response – generally within 15 days. [Submit a complaint](https://www.consumerfinance.gov/complaint/) ##### For industry and financial institutions ## Compliance resources and certain required disclosures If you work in the financial services industry, a regulation section probably directed you to this page to find the most recent version of a disclosure. For additional regulatory help, explore our other [compliance resources](https://www.consumerfinance.gov/compliance/compliance-resources/).
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