Consumer Financial Protection Bureau (CFPB)
The US federal regulator of consumer financial products and services, created by the Dodd-Frank Act.
Overview
The CFPB writes and enforces rules under federal consumer financial laws, including Regulations B, C, E, DD, P, V, X and Z, enforces the UDAAP standard, supervises large banks and certain non-banks, and handles consumer complaints.
Its powers include writing binding rules, supervising and examining the organisations it oversees and investigating and imposing penalties.
In the United States it works at federal level, alongside Fed, OCC and FDIC. Instruments connected to it in this glossary include CFPB guidance, Regulation E, Dodd-Frank, Regulation B and Regulation C.
Check the official sources below for legal scope, applicable dates and exceptions. This entry is an explanatory reference, not legal advice.
Why it matters
It can both set the rules and punish breaches of them, so its priorities shape compliance risk directly.
Who it affects
Organisations in consumer finance, banking and payments in the United States.
Where it sits
Ten linked steps connect where you operate to the proof that you complied.
- 01Jurisdiction
- 02Industry
- 03Activity
- 04Authority
- 05Regulation
- 06Requirement
- 07Guidance
- 08Control
- 09Evidence
- 10Enforcement
Connections
The terms most closely tied to CFPB. Select one to open it.
What to do about it
- 1Confirm whether CFPB has power over you, and through which licence, registration, membership or activity.
- 2Follow its rules, guidance and enforcement publications as they are issued.
- 3Map each obligation it creates to a control with a named owner.
- 4Keep examination-ready evidence for its highest-risk obligations.
From requirement to evidence.
Regulation Layer tracks its publications in the change feed, maps its obligations to your controls, and links its enforcement actions to the obligations they cite.
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