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Borrowing protections, mortgage and card rules, fair lending, credit reporting, collection practices and borrower disclosures.
Eligible servicemembers can receive interest relief on qualifying debt incurred before service. Excess interest is forgiven, covered mortgages receive an extra year, and the law allows more than one way to verify eligibility.
A written billing-error notice starts a timed process for investigation and correction. The law protects disputed amounts while keeping other payment obligations in place.
The March mortgage-credit order set agencies to work. A July CFPB information request shows one next step, while existing disclosure, repayment and cancellation protections remain distinct from possible reforms.
After the housing crisis, Congress and the CFPB made repayment capacity a central mortgage requirement. Qualified-mortgage rules provide defined legal protections, with a price-based General QM test replacing the old 43% debt-to-income ceiling.
Card issuers must consider income or assets and current obligations before opening an account or increasing its limit. The rule focuses on required minimum payments, with different income provisions for applicants under 21.
Consumers can dispute credit information with a reporting agency and with the company that supplied it. The two routes have distinct duties, deadlines and correction requirements.
A no-interest offer with a paid-in-full deadline can charge interest back to the purchase date if its conditions are missed. Payment-allocation rules explain why extra money sent to a card may not immediately reduce the promotional balance.
Federal rules restrict paying mortgage originators more because of a borrower’s loan terms and prohibit certain steering. The rules address a conflict regulators described in 2010: higher loan costs could mean higher commissions.
A credit approval can still come with a notice explaining that consumer-report information helped determine less favorable terms. Regulation V also covers certain rate increases after an account review and permits specified alternative disclosures.
A promotion ending, a variable-rate adjustment and a penalty rate follow different rules. The balance involved and the required notice determine how a permitted increase applies.
Federal law gives applicants a right to specific reasons for an adverse credit decision. A credit score, a standard form and an automated model each play different roles in that explanation.
Federal rules allow property errors to be corrected while protecting independent judgment. Interagency guidance issued in 2024 explains how lenders can handle requests to reconsider residential valuations.
A six-agency rule effective October 1, 2025 requires controls for specified automated mortgage valuations, including testing, data integrity and compliance with nondiscrimination laws.
Public mortgage records show applications and outcomes. Comparisons still depend on which loans are counted, which applicants are compared and which details are withheld for privacy.
Prescreening uses credit-report information to identify prospective borrowers. Firm offers can carry defined conditions, and mortgage restrictions effective in 2026 narrow the sharing of inquiry-based leads.
The CFPB’s 2026 revision narrows coverage and sets January 1, 2028 as the initial compliance date. The rule separates collection of business-credit data from access to applicants’ demographic responses.
The Military Lending Act combines a 36% borrowing-cost ceiling with rules on fees, disclosures and contract terms for covered servicemembers and dependents.
How the CFPB brought a 1977 debt-collection law into the digital era, and how contact limits, validation notices and disputes fit together.
Why a buyer’s claim about undelivered or defective goods can survive a loan sale, and where repayment, recovery and attorney-fee limits differ.
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