Supervision and examinations
Conducting examinations is one of our key tools to ensure that supervised entities comply with federal consumer financial laws.
CFPB Supervision and Examination Manual
The Supervision and Examination Manual is our guide for examiners to use in overseeing companies that provide consumer financial products or services. The manual describes how we supervise and examine these companies and gives our examiners direction on how to assess compliance with federal consumer financial laws. Send questions about the manual to supervision@consumerfinance.gov.
Download the full manual
Supervision and Examination Manual - Updated September 2020
Browse individual sections of the manual
Preface
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Table of contents |
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Part I – Compliance supervision and examination
A. Supervision and examination process |
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Overview |
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Examination process |
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Part II – Examination procedures
A. Compliance management system |
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Compliance management review |
B. Product-based procedures |
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Automobile finance |
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Consumer reporting, larger participants |
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Credit card account management |
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Debt collection |
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Education loan |
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Mortgage origination |
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Mortgage servicing |
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Prepaid account |
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Remittance transfer |
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Reverse mortgage servicing |
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Short-term, small-dollar lending (payday) |
C. Statutory- and Regulation-based procedures |
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Consumer Leasing Act (CLA) |
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Electronic Fund Transfer Act (EFTA) |
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Equal Credit Opportunity Act (ECOA) |
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ECOA baseline review |
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Fair Credit Reporting Act (FCRA) |
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Fair Debt Collection Practices Act (FDCPA) |
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Home Mortgage Disclosure Act (HMDA) |
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Homeowners Protection Act (HPA or PMI Cancellation Act) |
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Privacy of Consumer Financial Information - Gramm-Leach-Bliley Act (GLBA) |
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Real Estate Settlement Procedures Act (RESPA) |
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Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act |
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Truth in Lending Act (TILA) |
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Truth in Savings Act (TISA) |
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Unfair, Deceptive or Abusive Acts or Practices (UDAAPs) |
Part III – Examination process templates
Templates |
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Entity profile |
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Examination report |
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Examination scope summary |
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Risk assessment |
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Supervision plan |
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Supervisory letter |
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Disclaimer
Please note: This Supervision and Examination Manual provides internal guidance to our supervisory staff. It does not bind the CFPB and does not create any rights, benefits, or defenses, substantive or procedural, that are enforceable by any party in any manner. While every effort has been made to ensure accuracy, examination procedures should not be relied on as a legal reference.