vania-janet/multiturn-rag-retrieval-data huggingface dataset:
Supervisory Highlights | Consumer Financial Protection Bureau
Topics: Supervision, Mortgage Origination, Payday Loans, Mortgage Servicing, Debt Collection

 
 Download Summer 2021 Supervisory Highlights
 
 

COVID-19 Prioritized Assessments Special Edition (Issue 23)

Topics: Supervision, Debt Collection, Prepaid Cards, Mortgage Servicing, Auto Servicing, Student Loan Servicing, Credit Card Account Management, Consumer Reporting, Furnishing, Deposits, Small Business Lending

 
 Download COVID-19 Prioritized Assessments Special Edition (Issue 23)
 
 

2020

Winter Supervisory Highlights

Topics: Supervision, debt collection, mortgage servicing, payday loans, student loans, Fair Debt Collection Practices Act, RESPA, ECOA, TILA

 
 Download Winter 2020 Supervisory Highlights
 
 

Summer Supervisory Highlights

Topics: Supervision, debt collection, fair lending, money transfers, mortgage servicing, Fair Credit Reporting Act, Fair Debt Collection Practices Act, HMDA

 
 Download Summer 2020 Supervisory Highlights
 
 

2019

Supervisory Highlights Consumer Reporting Special Edition

Topics: Fair Credit Reporting Act, Supervision, credit reports and scores, identity theft and fraud, debt collection, banking, financial service providers

 
 Download Fall 2019 Supervisory Highlights
 
 

Summer Supervisory Highlights

Topics: UDAAPs, auto loans, Supervision, compliance, credit cards, credit reports and scores, debt collection, Fair Credit Reporting Act, mortgage origination

 
 Download Summer 2019 Supervisory Highlights
 
 

Winter Supervisory Highlights

Topics: UDAAPs, small dollar loans, auto loans, mortgage servicing, deposits, remittances, Supervision, Enforcement, HMDA

 
 Download Winter 2019 Supervisory Highlights
 
 

2018

Summer Supervisory Highlights

Topics: credit cards, UDAAPs, fair lending, small business lending, small-dollar loans, auto loans, ECOA, mortgage servicing, supervision, debt collection, enforcement, HMDA

 
 Download Summer 2018 Supervisory Highlights
 
 

2017

Summer Supervisory Highlights

Topics: auto loans, compliance, credit cards, debt collection, enforcement, fair lending, HMDA, Know Before You Owe, mortgages, overdrafts, payday loans, supervision

 
 Download Summer 2017 Supervisory Highlights
 
 

Spring Supervisory Highlights

Topics: mortgage originations, mortgage servicing, fair lending, supervision, and student loans

 
 Download Spring 2017 Supervisory Highlights
 
 

Supervisory Highlights Consumer Reporting Special Edition

Topic: consumer reporting

 
 Download Supervisory Highlights Consumer Reporting Special Edition
 
 

2016

Fall Supervisory Highlights
Rules Under Development | Consumer Financial Protection Bureau
Truth in Lending Act (TILA)
 
 

•
 Mortgages
 
 

 

 
 
 
 Proposed rule
 
 

NOV 05, 2020

Role of Supervisory Guidance

 The Bureau and other agencies are inviting comment on a proposed rule that would codify the Interagency Statement Clarifying the Role of Supervisory Guidance.
 

•
 Supervision
 
 

 

 
 
 
 Proposed rule
 
 

AUG 18, 2020

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Seasoned QM Loan Definition

 The Bureau of Consumer Financial Protection is proposing to create a new category of QMs (Seasoned QMs) for first-lien, fixed-rate covered transactions that have met certain performance requirements over a 36-month seasoning period, are held in portfolio until the end of the seasoning period, comply with general restrictions on product features and points and fees, and meet certain underwriting requirements.
 

•
 Rulemaking
 
 

•
 Truth in Lending Act (TILA)
 
 

•
 Mortgages
 
 

 

 
 
 
 Proposed rule
 
 

JUL 02, 2020

Higher-Priced Mortgage Loan Escrow Exemption (Regulation Z)

 The Bureau is proposing to exempt certain insured depository institutions and insured credit unions from the requirement to establish escrow accounts for certain higher-priced mortgage loans.
 

•
 Mortgage servicing
 
 

•
 Truth in Lending Act (TILA)
 
 

•
 Mortgages
 
 

 

 
 
 
 Proposed rule
 
 

JUN 22, 2020

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): Extension of Sunset Date

 The Bureau proposes to amend Regulation Z to replace the Temporary GSE QM loan definition’s sunset date with a provision that extends the definition to expire upon the effective date of final amendments to the General QM loan definition.
 

•
 Rulemaking
 
 

•
 Truth in Lending Act (TILA)
 
 

•
 Mortgages
 
 

 

 
 
 
 Proposed rule
 
 

JUN 22, 2020

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition

 In this notice, the Bureau proposes certain amendments to the General QM loan definition in Regulation Z.
 

•
 Rulemaking
 
 

•
 Truth in Lending Act (TILA)
 
 

•
 Mortgages
 
 

 

 
 
 
 Proposed rule
 
 

JUN 04, 2020
VA Help To Avoid Foreclosure | Veterans Affairs
If you can’t repay a VA debt, you may be able to get a waiver. Learn more about waivers for VA debtIf your loan closed on or after January 1, 1990, and we have to pay back the amount of your loan to the servicer, you’ll need to pay this amount back to the government if we find evidence of fraud, misrepresentation, or bad faith on your part.

 How does foreclosure affect my future home loan benefit?
 

If your loan ends in foreclosure, short sale, or deed in lieu of foreclosure, you’ll need to pay back the amount we lost on your loan to restore your future benefit. We call this process “restoration of entitlement.”To find out the amount you need to pay to restore your entitlement, contact a VA loan technician at 877-827-3702.

 What if I need help or more information?
 

Talk to a housing counselorRead HUD’s homeowner’s guide to success (PDF)Read the consumer advisory that the Consumer Financial Protection Bureau (CFPB) posted about how to identify a foreclosure relief scam. Learn about the advisory on the CFPB websiteFind out how the Homeowner Assistance Fund (HAF) helps Veterans and their families who are behind on their mortgages and other housing-related expenses due to the impacts of COVID-19. Learn about the HAF on the National Council of State Housing Agencies websiteSchedule a free consultation with a credit or financial counselor through our Veterans Benefits Banking Program (VBBP). Get more information about financial counseling on the VBBP website

Last updated: April 13, 2024

Feedback
Publication order form | New York State Attorney General
Debt: managing the overload (Spanish version)
 

 Do your homework before hiring a home improvement contractor
 

 Do your homework before hiring a home improvement contractor (Spanish version)
 

 Payday lending (payday loans)
 

 Payday lending (payday loans) - Bengali
 

 Payday lending (payday loans) - Chinese
 

 Payday lending (payday loans) - Haitian Creole
 

 Payday lending (payday loans) - Korean
 

 Payday lending (payday loans) - Russian
 

 Payday lending (payday loans) - Spanish
 

 Protect your identity
 

 Protect your identity (Bengali version)
 

 Protect your identity (Chinese version)
 

 Protect your identity (Haitian Creole version)
 

 Protect your identity (Korean version)
 

 Protect your identity (Russian version)
 

 Protect your identity (Spanish version)
 

 Identity theft kit: what to do if you have been victimized
 

 Pay day lending
 

 Savvy consumers
 

 Savvy consumers - Bengali
 

 Savvy consumers - Chinese
 

 Savvy consumers - Haitian Creole
 

 Savvy consumers - Korean
 

 Savvy consumers - Russian
 

 Savvy consumers - Spanish
 

 Summer scams: don't get burned
 

 Telephone scams
 

 Telephone scams (Chinese version)
 

 Telephone scams (Spanish version)
 

Civil Rights/special needs

 Source of income discrimination
 

 Source of income discrimination - Bengali
 

 Source of income discrimination - Chinese
 

 Source of income discrimination - Creole
 

 Source of income discrimination - Korean
 

 Source of income discrimination - Russian
 

 Source of income discrimination - Spanish
 

 Barriers to re-entry
 

 Barriers to re-entry - Bengali
 

 Barriers to re-entry - Chinese
 

 Barriers to re-entry - English
 

 Barriers to re-entry - Haitian Creole
 

 Barriers to re-entry - Italian
 

 Barriers to re-entry - Korean
 

 Barriers to re-entry - Russian
 

 Barriers to re-entry - Spanish
 

 Lemon law brochure - Spanish
 

 Employment discrimination
 

 Employment discrimination (Spanish version)
 

 Fair housing
 

 Fair housing (Bengali version)
 

 Fair housing (Chinese version)
 

 Fair housing (Creole version)
 

 Fair housing (Korean version)
 

 Fair housing (Russian version)
How To Request A VA Home Loan Certificate Of Eligibility (COE) | Veterans Affairs
(For most loans, the lender is a private bank or mortgage company. For the Native American Direct Loan, we’re the lender).
The lender will request a VA appraisal (assessment) of the house. An appraisal estimates the house’s market value at the time of inspection. An appraisal isn’t a home inspection or a guaranty of value. 
The lender will review the appraisal and your credit and income information. If they decide to accept your application, they’ll work with you to select a title company (or other entity) to close (transfer ownership) on the house.

 What if I have questions about the loan process?
 

If you have any questions that your lender can’t answer, you can call us at 877-827-3702 (TTY: 711) to talk to a VA home loan representative. We’re here Monday through Friday, 8:00 a.m. to 6:00 p.m. ET.
You can also contact your regional loan center directly.
Find your regional loan center
Play a video about VA home loans and how to apply

 Loan options
 

Find out how to get a VA-backed purchase loan to buy a home.

Find out how to get an IRRRL loan to refinance an existing loan.

Learn how to get cash from your home equity to pay off debts, pay for school, or take care of other needs.

Find out if you can get a NADL loan to buy, build, or improve a home on federal trust land.

Last updated: February 21, 2023

Feedback
Applying for Benefits - Veterans Benefits Administration
Veterans' Mortgage Life Insurance (VMLI): To file for VMLI, complete and submit VA Form 29-8636, "Application for Veterans' Mortgage Life Insurance" to your Specially Adapted Housing Agent. The agent will help you complete your application. Also, you must provide information about your current mortgage.

For more information, visit the VA Veterans’ Mortgage Life Insurance web page.

 
 

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U.S. Department of Veterans Affairs | 810 Vermont Avenue, NW Washington DC 20420
Last updated January 12, 2024
Home Mortgage Disclosure Act (HMDA) Data | Consumer Financial Protection Bureau
CFPB Revela que la Gente está Pagando Tarifas por Adelantado para Reducir la Tasa de Interés de Hipotecas
 

APR 05, 2024

 CFPB Annual Report of 2021 Mortgage Market Activity Reveals an End to the Refinancing Boom and an Increase in Home Purchase Loans
 

SEP 19, 2022

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 An official website of the
 United States government
Newsroom | Consumer Financial Protection Bureau
Press release
 
 

 Published
 
 APR 05, 2024

CFPB Finds Americans are Paying Upfront Fees Seeking to Lower Interest Rates on Mortgages

 The CFPB issued a new report today finding that more borrowers paid “discount points” upfront as overall interest rates rose.
 

•
 Home Mortgage Disclosure Act
 
 

•
 Mortgage origination
 
 

•
 Mortgages
 
 

 Press release
 
 

 Published
 
 APR 05, 2024

CFPB revela que se están pagando tarifas para reducir tasas de interés | CFPB

 CFPB publica nuevo reporte donde revela que más prestatarios pagaron por “punto de descuento” mientras las tasas de interés aumentan.
 

•
 Home Mortgage Disclosure Act
 
 

•
 Mortgage origination
 
 

•
 Mortgages
 
 

 Press release
 
 

 Published
 
 APR 04, 2024

Reporte de CFPB Identifica Riesgos en Video Juegos | CFPB

 La CFPB emite reporte examinando el crecimiento del comercio digital dentro de juegos de videos y mundos virtuales online.
 

•
 Virtual currency
 
 

•
 Banking
 
 

 Press release
 
 

 Published
 
 APR 04, 2024

CFPB Report Identifies Financial and Privacy Risks to Consumers in Video Gaming Marketplaces

 The CFPB issued a report examining the growth of digital commerce in online video games and virtual worlds.
 

•
 Technologist
 
 

•
 Virtual currency
 
 

•
 Banking
 
 

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New Data on the Characteristics of Mortgage Borrowers During the COVID-19 Pandemic | Consumer Financial Protection Bureau
Consumer Financial Protection Week: Taskforce public hearing
 

JUL 16, 2020

 CFPB Youth Financial Education Research Convening
 

JUN 08, 2020

 2019 CFPB Research Conference
 

DEC 12, 2019

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 Office of Civil Rights
 

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 Tribal
 

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 An official website of the
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Data & Research | Consumer Financial Protection Bureau
We collect information annually from credit card issuers who have marketing agreements with universities, colleges, or affiliated organizations such as alumni associations, sororities, fraternities, and foundations; we maintain publicly accessible files of the agreements.

 
 Access annual reports and college credit card marketing agreements
 
 

Survey of mortgage originations

We survey consumers who took out a mortgage in the past 18 months or so — including refinancing a mortgage — in order to know about your experience.

 
 Respond to a mortgage borrowers survey invitation
 
 

 
 Respond to a mortgage originations survey invitation
 
 

 
 Read about mortgage originations survey and results
 
 

Financial well-being survey data

We measured the financial well-being of adults in America: their sense of financial security and freedom of choice—both in the present and when considering the future—and other factors that may support financial well-being.

 
 Explore the survey data
 
 

CFPB Researchers

The CFPB's Office of Research undertakes rigorous and innovative research to improve our understanding of consumer behavior, financial service providers, markets and effects of regulation and other public policies in consumer finance.

 
 View CFPB Researchers
 
 

CFPB Research Conference

Our sixth conference on December 15–16, 2022, will feature research from a range of disciplines and approaches that inform the topic of consumer finance.

 
 Learn about the conference
 
 

How we handle personally identifiable information

At the CFPB, we have nine privacy principles that guide when and how we collect, use, share, and protect personally identifiable information (PII).

 
 Privacy policy
 
 

 Recent reports
 

View our recently published reports

 
 Insights from the Making Ends Meet Survey
 
 

 
 Data point: 2019 mortgage market activity and trends
 
 

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See our reports on consumer experiences and effective practices to support financial well-being

 
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 Financial struggles in Puerto Rico bite deeper than the rest of the United States
 

JUL 27, 2023

 Las dificultades financieras son más duras en Puerto Rico, que en el resto del país
 

JUL 27, 2023
Supervisory Guidance | Consumer Financial Protection Bureau
Housing counselor
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Older Americans
Payday loans
Prepaid cards
Privacy
Real Estate Settlement Procedures Act (RESPA)
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 Published
 
 APR 03, 2023

Policy Statement on Abusiveness

 The CFPB has issued a policy statement that explains the legal prohibition on abusive conduct in banking and nonbanking consumer financial markets.
 

•
 Enforcement
 
 

•
 Supervision
 
 

 Published
 
 MAR 16, 2023

Bulletin 2023-01: Unfair Billing and Collection Practices After Bankruptcy Discharges of Certain Student Loan Debts

 Student loan servicers who collect on student loans that are discharged by a bankruptcy court are likely engaging in an unfair act or practice in violation of the Consumer Financial Protection Act (CFPA).
 

•
 Supervision
 
 

•
 Student loans
 
 

 Published
 
 OCT 26, 2022

Bulletin 2022-06: Unfair Returned Deposited Item Fee Assessment Practices

 Blanket policies of charging Returned Deposited Item fees to consumers for all returned transactions irrespective of the circumstances or patterns of behavior on the account are likely unfair under the Consumer Financial Protection Act (CFPA).
 

•
 Banking
 
 

•
 Enforcement
 
 

•
 Supervision
 
 

 Published
 
 MAR 22, 2022

Bulletin 2022-05: Unfair and Deceptive Acts or Practices That Impede Consumer Reviews

 When firms frustrate the ability of consumers to post honest reviews of products and services that they use, they may be engaged in conduct prohibited by the Consumer Financial Protection Act.
 

•
 Enforcement
 
 

•
 Supervision
 
 

 Published
 
 FEB 28, 2022

Bulletin 2022-04: Mitigating Harm from Repossession of Automobiles

 Compliance Bulletin highlighting law violations CFPB has identified during the repossession process.
 

•
 Auto loans
 
 

•
 Supervision
 
 

 Published
 
 FEB 18, 2022
Rules Under Development | Consumer Financial Protection Bureau
Truth in Lending Act (TILA)
 
 

•
 Mortgages
 
 

 

 
 
 
 Proposed rule
 
 

JUN 22, 2020

Qualified Mortgage Definition under the Truth in Lending Act (Regulation Z): General QM Loan Definition

 In this notice, the Bureau proposes certain amendments to the General QM loan definition in Regulation Z.
 

•
 Rulemaking
 
 

•
 Truth in Lending Act (TILA)
 
 

•
 Mortgages
 
 

 

 
 
 
 Proposed rule
 
 

JUN 04, 2020

Amendments to Facilitate the LIBOR Transition (Regulation Z)

 The Bureau is proposing to amend Regulation Z, which implements the Truth in Lending Act, generally to address the sunset of LIBOR, expected to be discontinued after 2021.
 

•
 Mortgage servicing
 
 

•
 Truth in Lending Act (TILA)
 
 

•
 Auto loans
 
 

•
 Student loans
 
 

•
 Reverse mortgages
 
 

•
 Credit cards
 
 

•
 Small dollar lending
 
 

•
 Mortgages
 
 

 

 
 
 
 Proposed rule
 
 

MAY 19, 2020

Debt Collection Practices (Regulation F) Supplemental Proposal on Time-Barred Debt

 The Bureau of Consumer Financial Protection proposes to amend Regulation F, which implements the Fair Debt Collection Practices Act (FDCPA), by proposing to require debt collectors to make certain disclosures when collecting time-barred debts.
 

•
 Debt collection
 
 

•
 Fair Debt Collection Practices Act
 
 

•
 Rulemaking
 
 

•
 Compliance
 
 

 

 
 
 
 Proposed rule
 
 

DEC 03, 2019

Remittance Transfers under the Electronic Fund Transfer Act (Regulation E)

 This notice proposes changes to the Remittance Rule to mitigate the expiration of an exception that allows insured institutions to estimate certain costs associated with sending a remittance transfer to increase the normal course of business safe harbor.
 

•
 Regulation E
 
 

•
 Banking
 
 

•
 Rulemaking
 
 

•
 Credit unions
 
 

•
 Money transfers
 
 

•
 Electronic payments
 
 

AUG 02, 2019

Debt Collection Practices (Regulation F); Extension of Comment Period

 The Bureau is extending the comment period for the debt collection NPRM published May 21, 2019. Responses to the NPRM must now be received on or before September 18, 2019.
 

•
Unemployment Insurance – Forms and Publications
Contains information on a potential overpayment where a claimant may have been overpaid UI benefits.DE 1447 – English | DE 1447/AR - Arabic | DE 1447/A – Armenian | DE 1447/CC – Traditional Chinese (Cantonese)| DE 1447/CM – Simplified Chinese (Mandarin) | DE 1447/F - Farsi | DE 1447/HI - Hindi | DE 1447/H – Hmong | DE 1447/J - Japanese | DE 1447/K – Korean | DE 1447/L – Laotian | DE 1447/CA - Mon-Khmer (Cambodian) | DE 1447/P – Punjabi | DE 1447/R – Russian | DE 1447/S – Spanish | DE 1447/T – Tagalog | DE 1447/TH - Thai | DE 1447/V – Vietnamese
Notice of Potential Overpayment and False Statement Penalty Mailed to claimants. Includes information on a potential overpayment and false statement penalties where a claimant may have been overpaid for unemployment benefits.DE 1447CO-AZ  – English | DE 1447CO-AZ/AR  – Arabic | DE 1447CO-AZ /A  – Armenian | DE 1447CO-AZ /CC  – Traditional Chinese (Cantonese) | DE 1447CO-AZ /CM  – Simplified Chinese (Mandarin) | DE 14447CO-AZ/F  – Farsi | DE 1447CO-AZ/HI  – Hindi | DE 1447CO-AZ/H  – Hmong |   DE 1447CO-AZ/J – Japanese | DE 1447CO-AZ /K  – Korean | DE 1447CO-AZ /L  – Laotian | DE 1447CO-AZ/CA  – Mon-Khmer (Cambodian) | DE 1447CO-AZ/P  – Punjabi | DE 1447CO-AZ/R  – Russian | DE 1447CO-AZ/S  – Spanish | DE 1447CO-AZ/T  – Tagalog | DE 1447CO-AZ/TH  – Thai | DE 1447CO-AZ/V  – Vietnamese