Conducting examinations is one of our key tools to ensure that supervised entities comply with federal consumer financial laws.
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.
- Updated September 2023
Table of contents
Updated September 2023
Overview
Updated March 2017
Examination process
Updated February 2019
Compliance management review
Updated August 2017
Compliance management review – information technology (CMR-IT)
Published September 2021
Automobile finance
Updated August 2019
Consumer reporting, larger participants
Updated June 2023
Credit card account management
Updated February 2015
Debt collection
Updated March 2022
Education loan
Updated September 2022
Mortgage origination
Updated December 2021
Mortgage servicing
Updated January 2023
Prepaid account
Published March 2019
Remittance transfer
Updated February 2022
Reverse mortgage servicing
Updated June 2020
Short-term, small-dollar lending (payday)
Updated March 2019
Consumer Leasing Act (CLA)
Published October 2012
Electronic Fund Transfer Act (EFTA)
Updated March 2019
Equal Credit Opportunity Act (ECOA)
Updated October 2015
ECOA baseline review
Updated April 2019
Fair Credit Reporting Act (FCRA)
Published October 2012
Fair Debt Collection Practices Act (FDCPA)
Updated December 2022
Home Mortgage Disclosure Act (HMDA)
Updated September 2021
Homeowners Protection Act (HPA or PMI Cancellation Act)
Published October 2012
Privacy of Consumer Financial Information - Gramm-Leach-Bliley Act (GLBA)
Updated October 2016
Real Estate Settlement Procedures Act (RESPA)
Updated March 2018
Secure and Fair Enforcement for Mortgage Licensing (SAFE) Act
Published October 2012
Truth in Lending Act (TILA)
Updated October 2021
Truth in Savings Act (TISA)
Published October 2012
Unfair, Deceptive or Abusive Acts or Practices (UDAAPs)
Updated October 2012
Entity profile
Published October 2012
Examination report
Updated February 2019
Examination scope summary
Updated August 2018
Risk assessment
Published October 2012
Supervision plan
Published October 2012
Supervisory letter
Updated February 2019
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.
Supervision is one of our key tools to ensure that supervised entities are complying with federal consumer financial law. Ask us if you have any questions about our supervision policies or the contents of our examination manual, or send us your suggestions and ideas.