Privacy | Consumer Financial Protection Bureau

<!DOCTYPE html> <html lang="en" class="no-js"> <head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# "> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta charset="utf-8"><script type="text/javascript">window.NREUM||(NREUM={});NREUM.info={"beacon":"gov-bam.nr-data.net","errorBeacon":"gov-bam.nr-data.net","licenseKey":"c656a7b008","applicationID":"17418772","transactionName":"ZlEAYkJWV0cEARFdWl8bJENeVE1dCgxKQ1RWQANfXERRVRcLC1MbR10HQUMNalEXFABiXFRD","queueTime":1,"applicationTime":398,"agent":""}; (window.NREUM||(NREUM={})).init={ajax:{deny_list:["gov-bam.nr-data.net"]}};(window.NREUM||(NREUM={})).loader_config={xpid:"UgEHVFBRGwIHUFBaAAYF",licenseKey:"c656a7b008",applicationID:"17418772"};;/*! For license information please see nr-loader-full-1.273.1.min.js.LICENSE.txt */ (()=>{var e,t,r={8122:(e,t,r)=>{"use strict";r.d(t,{a:()=>i});var n=r(944);function i(e,t){try{if(!e||"object"!=typeof e)return(0,n.R)(3);if(!t||"object"!=typeof t)return(0,n.R)(4);const r=Object.create(Object.getPrototypeOf(t),Object.getOwnPropertyDescriptors(t)),o=0===Object.keys(r).length?e:r;for(let a in o)if(void 0!==e[a])try{if(null===e[a]){r[a]=null;continue}Array.isArray(e[a])&&Array.isArray(t[a])?r[a]=Array.from(new Set([...e[a],...t[a]])):"object"==typeof e[a]&&"object"==typeof t[a]?r[a]=i(e[a],t[a]):r[a]=e[a]}catch(e){(0,n.R)(1,e)}return r}catch(e){(0,n.R)(2,e)}}},2555:(e,t,r)=>{"use strict";r.d(t,{Vp:()=>c,fn:()=>s,x1:()=>d});var n=r(384),i=r(8122);const o={beacon:n.NT.beacon,errorBeacon:n.NT.errorBeacon,licenseKey:void 0,applicationID:void 0,sa:void 0,queueTime:void 0,applicationTime:void 0,ttGuid:void 0,user:void 0,account:void 0,product:void 0,extra:void 0,jsAttributes:{},userAttributes:void 0,atts:void 0,transactionName:void 0,tNamePlain:void 0},a={};function s(e){try{const t=c(e);return!!t.licenseKey&&!!t.errorBeacon&&!!t.applicationID}catch(e){return!1}}function c(e){if(!e)throw new Error("All info objects require an agent identifier!");if(!a[e])throw new Error("Info for ".concat(e," was never set"));return a[e]}function d(e,t){if(!e)throw new Error("All info objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.info=a[e])}},9417:(e,t,r)=>{"use strict";r.d(t,{D0:()=>h,gD:()=>p,xN:()=>g});var n=r(993);const i=e=>{if(!e||"string"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var o=r(2614),a=r(944),s=r(384),c=r(8122);const d="[data-nr-mask]",u=()=>{const e={mask_selector:"*",block_selector:"[data-nr-block]",mask_input_options:{color:!1,date:!1,"datetime-local":!1,email:!1,month:!1,number:!1,range:!1,search:!1,tel:!1,text:!1,time:!1,url:!1,week:!1,textarea:!1,select:!1,password:!0}};return{ajax:{deny_list:void 0,block_internal:!0,enabled:!0,harvestTimeSeconds:10,autoStart:!0},distributed_tracing:{enabled:void 0,exclude_newrelic_header:void 0,cors_use_newrelic_header:void 0,cors_use_tracecontext_headers:void 0,allowed_origins:void 0},feature_flags:[],generic_events:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},harvest:{tooManyRequestsDelay:60},jserrors:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},logging:{enabled:!0,harvestTimeSeconds:10,autoStart:!0,level:n.p_.INFO},metrics:{enabled:!0,autoStart:!0},obfuscate:void 0,page_action:{enabled:!0},page_view_event:{enabled:!0,autoStart:!0},page_view_timing:{enabled:!0,harvestTimeSeconds:30,autoStart:!0},performance:{capture_marks:!1,capture_measures:!1},privacy:{cookies_enabled:!0},proxy:{assets:void 0,beacon:void 0},session:{expiresMs:o.wk,inactiveMs:o.BB},session_replay:{autoStart:!0,enabled:!1,harvestTimeSeconds:60,preload:!1,sampling_rate:10,error_sampling_rate:100,collect_fonts:!1,inline_images:!1,fix_stylesheets:!0,mask_all_inputs:!0,get mask_text_selector(){return e.mask_selector},set mask_text_selector(t){i(t)?e.mask_selector="".concat(t,",").concat(d):""===t||null===t?e.mask_selector=d:(0,a.R)(5,t)},get block_class(){return"nr-block"},get ignore_class(){return"nr-ignore"},get mask_text_class(){return"nr-mask"},get block_selector(){return e.block_selector},set block_selector(t){i(t)?e.block_selector+=",".concat(t):""!==t&&(0,a.R)(6,t)},get mask_input_options(){return e.mask_input_options},set mask_input_options(t){t&&"object"==typeof t?e.mask_input_options={...t,password:!0}:(0,a.R)(7,t)}},session_trace:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},soft_navigations:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},spa:{enabled:!0,harvestTimeSeconds:10,autoStart:!0},ssl:void 0,user_actions:{enabled:!0}}},l={},f="All configuration objects require an agent identifier!";function h(e){if(!e)throw new Error(f);if(!l[e])throw new Error("Configuration for ".concat(e," was never set"));return l[e]}function g(e,t){if(!e)throw new Error(f);l[e]=(0,c.a)(t,u());const r=(0,s.nY)(e);r&&(r.init=l[e])}function p(e,t){if(!e)throw new Error(f);var r=h(e);if(r){for(var n=t.split("."),i=0;i<n.length-1;i++)if("object"!=typeof(r=r[n[i]]))return;r=r[n[n.length-1]]}return r}},5603:(e,t,r)=>{"use strict";r.d(t,{a:()=>c,o:()=>s});var n=r(384),i=r(8122);const o={accountID:void 0,trustKey:void 0,agentID:void 0,licenseKey:void 0,applicationID:void 0,xpid:void 0},a={};function s(e){if(!e)throw new Error("All loader-config objects require an agent identifier!");if(!a[e])throw new Error("LoaderConfig for ".concat(e," was never set"));return a[e]}function c(e,t){if(!e)throw new Error("All loader-config objects require an agent identifier!");a[e]=(0,i.a)(t,o);const r=(0,n.nY)(e);r&&(r.loader_config=a[e])}},3371:(e,t,r)=>{"use strict";r.d(t,{V:()=>f,f:()=>l});var n=r(8122),i=r(384),o=r(6154),a=r(9324);let s=0;const c={buildEnv:a.F3,distMethod:a.Xs,version:a.xv,originTime:o.WN},d={customTransaction:void 0,disabled:!1,isolatedBacklog:!1,loaderType:void 0,maxBytes:3e4,onerror:void 0,ptid:void 0,releaseIds:{},appMetadata:{},session:void 0,denyList:void 0,timeKeeper:void 0,obfuscator:void 0},u={};function l(e){if(!e)throw new Error("All runtime objects require an agent identifier!");if(!u[e])throw new Error("Runtime for ".concat(e," was never set"));return u[e]}function f(e,t){if(!e)throw new Error("All runtime objects require an agent identifier!");u[e]={...(0,n.a)(t,d),...c},Object.hasOwnProperty.call(u[e],"harvestCount")||Object.defineProperty(u[e],"harvestCount",{get:()=>++s});const r=(0,i.nY)(e);r&&(r.runtime=u[e])}},9324:(e,t,r)=>{"use strict";r.d(t,{F3:()=>i,Xs:()=>o,Yq:()=>a,xv:()=>n});const n="1.273.1",i="PROD",o="CDN",a="2.0.0-alpha.12"},6154:(e,t,r)=>{"use strict";r.d(t,{OF:()=>d,RI:()=>i,WN:()=>f,bv:()=>o,gm:()=>a,lR:()=>l,m:()=>c,mw:()=>s,sb:()=>u});var n=r(1863);const i="undefined"!=typeof window&&!!window.document,o="undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self.navigator instanceof WorkerNavigator||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis.navigator instanceof WorkerNavigator),a=i?window:"undefined"!=typeof WorkerGlobalScope&&("undefined"!=typeof self&&self instanceof WorkerGlobalScope&&self||"undefined"!=typeof globalThis&&globalThis instanceof WorkerGlobalScope&&globalThis),s=Boolean("hidden"===a?.document?.visibilityState),c=""+a?.location,d=/iPad|iPhone|iPod/.test(a.navigator?.userAgent),u=d&&"undefined"==typeof SharedWorker,l=(()=>{const e=a.navigator?.userAgent?.match(/Firefox[/\s](\d+\.\d+)/);return Array.isArray(e)&&e.length>=2?+e[1]:0})(),f=Date.now()-(0,n.t)()},7295:(e,t,r)=>{"use strict";r.d(t,{Xv:()=>a,gX:()=>i,iW:()=>o});var n=[];function i(e){if(!e||o(e))return!1;if(0===n.length)return!0;for(var t=0;t<n.length;t++){var r=n[t];if("*"===r.hostname)return!1;if(s(r.hostname,e.hostname)&&c(r.pathname,e.pathname))return!1}return!0}function o(e){return void 0===e.hostname}function a(e){if(n=[],e&&e.length)for(var t=0;t<e.length;t++){let r=e[t];if(!r)continue;0===r.indexOf("http://")?r=r.substring(7):0===r.indexOf("https://")&&(r=r.substring(8));const i=r.indexOf("/");let o,a;i>0?(o=r.substring(0,i),a=r.substring(i)):(o=r,a="");let[s]=o.split(":");n.push({hostname:s,pathname:a})}}function s(e,t){return!(e.length>t.length)&&t.indexOf(e)===t.length-e.length}function c(e,t){return 0===e.indexOf("/")&&(e=e.substring(1)),0===t.indexOf("/")&&(t=t.substring(1)),""===e||e===t}},1687:(e,t,r)=>{"use strict";r.d(t,{Ak:()=>c,Ze:()=>l,x3:()=>d});var n=r(7836),i=r(3606),o=r(860),a=r(2646);const s={};function c(e,t){const r={staged:!1,priority:o.P3[t]||0};u(e),s[e].get(t)||s[e].set(t,r)}function d(e,t){e&&s[e]&&(s[e].get(t)&&s[e].delete(t),h(e,t,!1),s[e].size&&f(e))}function u(e){if(!e)throw new Error("agentIdentifier required");s[e]||(s[e]=new Map)}function l(e="",t="feature",r=!1){if(u(e),!e||!s[e].get(t)||r)return h(e,t);s[e].get(t).staged=!0,f(e)}function f(e){const t=Array.from(s[e]);t.every((([e,t])=>t.staged))&&(t.sort(((e,t)=>e[1].priority-t[1].priority)),t.forEach((([t])=>{s[e].delete(t),h(e,t)})))}function h(e,t,r=!0){const o=e?n.ee.get(e):n.ee,s=i.i.handlers;if(!o.aborted&&o.backlog&&s){if(r){const e=o.backlog[t],r=s[t];if(r){for(let t=0;e&&t<e.length;++t)g(e[t],r);Object.entries(r).forEach((([e,t])=>{Object.values(t||{}).forEach((t=>{t[0]?.on&&t[0]?.context()instanceof a.y&&t[0].on(e,t[1])}))}))}}o.isolatedBacklog||delete s[t],o.backlog[t]=null,o.emit("drain-"+t,[])}}function g(e,t){var r=e[1];Object.values(t[r]||{}).forEach((t=>{var r=e[0];if(t[0]===r){var n=t[1],i=e[3],o=e[2];n.apply(i,o)}}))}},7836:(e,t,r)=>{"use strict";r.d(t,{P:()=>c,ee:()=>d});var n=r(384),i=r(8990),o=r(3371),a=r(2646),s=r(5607);const c="nr@context:".concat(s.W),d=function e(t,r){var n={},s={},u={},l=!1;try{l=16===r.length&&(0,o.f)(r).isolatedBacklog}catch(e){}var f={on:g,addEventListener:g,removeEventListener:function(e,t){var r=n[e];if(!r)return;for(var i=0;i<r.length;i++)r[i]===t&&r.splice(i,1)},emit:function(e,r,n,i,o){!1!==o&&(o=!0);if(d.aborted&&!i)return;t&&o&&t.emit(e,r,n);for(var a=h(n),c=p(e),u=c.length,l=0;l<u;l++)c[l].apply(a,r);var g=v()[s[e]];g&&g.push([f,e,r,a]);return a},get:m,listeners:p,context:h,buffer:function(e,t){const r=v();if(t=t||"feature",f.aborted)return;Object.entries(e||{}).forEach((([e,n])=>{s[n]=t,t in r||(r[t]=[])}))},abort:function(){f._aborted=!0,Object.keys(f.backlog).forEach((e=>{delete f.backlog[e]}))},isBuffering:function(e){return!!v()[s[e]]},debugId:r,backlog:l?{}:t&&"object"==typeof t.backlog?t.backlog:{},isolatedBacklog:l};return Object.defineProperty(f,"aborted",{get:()=>{let e=f._aborted||!1;return e||(t&&(e=t.aborted),e)}}),f;function h(e){return e&&e instanceof a.y?e:e?(0,i.I)(e,c,(()=>new a.y(c))):new a.y(c)}function g(e,t){n[e]=p(e).concat(t)}function p(e){return n[e]||[]}function m(t){return u[t]=u[t]||e(f,t)}function v(){return f.backlog}}(void 0,"globalEE"),u=(0,n.Zm)();u.ee||(u.ee=d)},2646:(e,t,r)=>{"use strict";r.d(t,{y:()=>n});class n{constructor(e){this.contextId=e}}},9908:(e,t,r)=>{"use strict";r.d(t,{d:()=>n,p:()=>i});var n=r(7836).ee.get("handle");function i(e,t,r,i,o){o?(o.buffer([e],i),o.emit(e,t,r)):(n.buffer([e],i),n.emit(e,t,r))}},3606:(e,t,r)=>{"use strict";r.d(t,{i:()=>o});var n=r(9908);o.on=a;var i=o.handlers={};function o(e,t,r,o){a(o||n.d,i,e,t,r)}function a(e,t,r,i,o){o||(o="feature"),e||(e=n.d);var a=t[o]=t[o]||{};(a[r]=a[r]||[]).push([e,i])}},3878:(e,t,r)=>{"use strict";function n(e,t){return{capture:e,passive:!1,signal:t}}function i(e,t,r=!1,i){window.addEventListener(e,t,n(r,i))}function o(e,t,r=!1,i){document.addEventListener(e,t,n(r,i))}r.d(t,{DD:()=>o,jT:()=>n,sp:()=>i})},5607:(e,t,r)=>{"use strict";r.d(t,{W:()=>n});const n=(0,r(9566).bz)()},9566:(e,t,r)=>{"use strict";r.d(t,{LA:()=>s,ZF:()=>c,bz:()=>a,el:()=>d});var n=r(6154);const i="xxxxxxxx-xxxx-4xxx-yxxx-xxxxxxxxxxxx";function o(e,t){return e?15&e[t]:16*Math.random()|0}function a(){const e=n.gm?.crypto||n.gm?.msCrypto;let t,r=0;return e&&e.getRandomValues&&(t=e.getRandomValues(new Uint8Array(30))),i.split("").map((e=>"x"===e?o(t,r++).toString(16):"y"===e?(3&o()|8).toString(16):e)).join("")}function s(e){const t=n.gm?.crypto||n.gm?.msCrypto;let r,i=0;t&&t.getRandomValues&&(r=t.getRandomValues(new Uint8Array(e)));const a=[];for(var s=0;s<e;s++)a.push(o(r,i++).toString(16));return a.join("")}function c(){return s(16)}function d(){return s(32)}},2614:(e,t,r)=>{"use strict";r.d(t,{BB:()=>a,H3:()=>n,g:()=>d,iL:()=>c,tS:()=>s,uh:()=>i,wk:()=>o});const n="NRBA",i="SESSION",o=144e5,a=18e5,s={STARTED:"session-started",PAUSE:"session-pause",RESET:"session-reset",RESUME:"session-resume",UPDATE:"session-update"},c={SAME_TAB:"same-tab",CROSS_TAB:"cross-tab"},d={OFF:0,FULL:1,ERROR:2}},1863:(e,t,r)=>{"use strict";function n(){return Math.floor(performance.now())}r.d(t,{t:()=>n})},7485:(e,t,r)=>{"use strict";r.d(t,{D:()=>i});var n=r(6154);function i(e){if(0===(e||"").indexOf("data:"))return{protocol:"data"};try{const t=new URL(e,location.href),r={port:t.port,hostname:t.hostname,pathname:t.pathname,search:t.search,protocol:t.protocol.slice(0,t.protocol.indexOf(":")),sameOrigin:t.protocol===n.gm?.location?.protocol&&t.host===n.gm?.location?.host};return r.port&&""!==r.port||("http:"===t.protocol&&(r.port="80"),"https:"===t.protocol&&(r.port="443")),r.pathname&&""!==r.pathname?r.pathname.startsWith("/")||(r.pathname="/".concat(r.pathname)):r.pathname="/",r}catch(e){return{}}}},944:(e,t,r)=>{"use strict";function n(e,t){"function"==typeof console.debug&&console.debug("New Relic Warning: https://github.com/newrelic/newrelic-browser-agent/blob/main/docs/warning-codes.md#".concat(e),t)}r.d(t,{R:()=>n})},5284:(e,t,r)=>{"use strict";r.d(t,{t:()=>c,B:()=>s});var n=r(7836),i=r(6154);const o="newrelic";const a=new Set,s={};function c(e,t){const r=n.ee.get(t);s[t]??={},e&&"object"==typeof e&&(a.has(t)||(r.emit("rumresp",[e]),s[t]=e,a.add(t),function(e={}){try{i.gm.dispatchEvent(new CustomEvent(o,{detail:e}))}catch(e){}}({loaded:!0})))}},8990:(e,t,r)=>{"use strict";r.d(t,{I:()=>i});var n=Object.prototype.hasOwnProperty;function i(e,t,r){if(n.call(e,t))return e[t];var i=r();if(Object.defineProperty&&Object.keys)try{return Object.defineProperty(e,t,{value:i,writable:!0,enumerable:!1}),i}catch(e){}return e[t]=i,i}},6389:(e,t,r)=>{"use strict";function n(e,t=500,r={}){const n=r?.leading||!1;let i;return(...r)=>{n&&void 0===i&&(e.apply(this,r),i=setTimeout((()=>{i=clearTimeout(i)}),t)),n||(clearTimeout(i),i=setTimeout((()=>{e.apply(this,r)}),t))}}function i(e){let t=!1;return(...r)=>{t||(t=!0,e.apply(this,r))}}r.d(t,{J:()=>i,s:()=>n})},3304:(e,t,r)=>{"use strict";r.d(t,{A:()=>o});var n=r(7836);const i=()=>{const e=new WeakSet;return(t,r)=>{if("object"==typeof r&&null!==r){if(e.has(r))return;e.add(r)}return r}};function o(e){try{return JSON.stringify(e,i())??""}catch(e){try{n.ee.emit("internal-error",[e])}catch(e){}return""}}},5289:(e,t,r)=>{"use strict";r.d(t,{GG:()=>o,sB:()=>a});var n=r(3878);function i(){return"undefined"==typeof document||"complete"===document.readyState}function o(e,t){if(i())return e();(0,n.sp)("load",e,t)}function a(e){if(i())return e();(0,n.DD)("DOMContentLoaded",e)}},384:(e,t,r)=>{"use strict";r.d(t,{NT:()=>o,US:()=>u,Zm:()=>a,bQ:()=>c,dV:()=>s,nY:()=>d,pV:()=>l});var n=r(6154),i=r(1863);const o={beacon:"bam.nr-data.net",errorBeacon:"bam.nr-data.net"};function a(){return n.gm.NREUM||(n.gm.NREUM={}),void 0===n.gm.newrelic&&(n.gm.newrelic=n.gm.NREUM),n.gm.NREUM}function s(){let e=a();return e.o||(e.o={ST:n.gm.setTimeout,SI:n.gm.setImmediate,CT:n.gm.clearTimeout,XHR:n.gm.XMLHttpRequest,REQ:n.gm.Request,EV:n.gm.Event,PR:n.gm.Promise,MO:n.gm.MutationObserver,FETCH:n.gm.fetch,WS:n.gm.WebSocket}),e}function c(e,t){let r=a();r.initializedAgents??={},t.initializedAt={ms:(0,i.t)(),date:new Date},r.initializedAgents[e]=t}function d(e){let t=a();return t.initializedAgents?.[e]}function u(e,t){a()[e]=t}function l(){return function(){let e=a();const t=e.info||{};e.info={beacon:o.beacon,errorBeacon:o.errorBeacon,...t}}(),function(){let e=a();const t=e.init||{};e.init={...t}}(),s(),function(){let e=a();const t=e.loader_config||{};e.loader_config={...t}}(),a()}},2843:(e,t,r)=>{"use strict";r.d(t,{u:()=>i});var n=r(3878);function i(e,t=!1,r,i){(0,n.DD)("visibilitychange",(function(){if(t)return void("hidden"===document.visibilityState&&e());e(document.visibilityState)}),r,i)}},8139:(e,t,r)=>{"use strict";r.d(t,{u:()=>f});var n=r(7836),i=r(3434),o=r(8990),a=r(6154);const s={},c=a.gm.XMLHttpRequest,d="addEventListener",u="removeEventListener",l="nr@wrapped:".concat(n.P);function f(e){var t=function(e){return(e||n.ee).get("events")}(e);if(s[t.debugId]++)return t;s[t.debugId]=1;var r=(0,i.YM)(t,!0);function f(e){r.inPlace(e,[d,u],"-",g)}function g(e,t){return e[1]}return"getPrototypeOf"in Object&&(a.RI&&h(document,f),h(a.gm,f),h(c.prototype,f)),t.on(d+"-start",(function(e,t){var n=e[1];if(null!==n&&("function"==typeof n||"object"==typeof n)){var i=(0,o.I)(n,l,(function(){var e={object:function(){if("function"!=typeof n.handleEvent)return;return n.handleEvent.apply(n,arguments)},function:n}[typeof n];return e?r(e,"fn-",null,e.name||"anonymous"):n}));this.wrapped=e[1]=i}})),t.on(u+"-start",(function(e){e[1]=this.wrapped||e[1]})),t}function h(e,t,...r){let n=e;for(;"object"==typeof n&&!Object.prototype.hasOwnProperty.call(n,d);)n=Object.getPrototypeOf(n);n&&t(n,...r)}},3434:(e,t,r)=>{"use strict";r.d(t,{YM:()=>c});var n=r(7836),i=r(5607);const o="nr@original:".concat(i.W);var a=Object.prototype.hasOwnProperty,s=!1;function c(e,t){return e||(e=n.ee),r.inPlace=function(e,t,n,i,o){n||(n="");const a="-"===n.charAt(0);for(let s=0;s<t.length;s++){const c=t[s],d=e[c];u(d)||(e[c]=r(d,a?c+n:n,i,c,o))}},r.flag=o,r;function r(t,r,n,s,c){return u(t)?t:(r||(r=""),nrWrapper[o]=t,function(e,t,r){if(Object.defineProperty&&Object.keys)try{return Object.keys(e).forEach((function(r){Object.defineProperty(t,r,{get:function(){return e[r]},set:function(t){return e[r]=t,t}})})),t}catch(e){d([e],r)}for(var n in e)a.call(e,n)&&(t[n]=e[n])}(t,nrWrapper,e),nrWrapper);function nrWrapper(){var o,a,u,l;try{a=this,o=[...arguments],u="function"==typeof n?n(o,a):n||{}}catch(t){d([t,"",[o,a,s],u],e)}i(r+"start",[o,a,s],u,c);try{return l=t.apply(a,o)}catch(e){throw i(r+"err",[o,a,e],u,c),e}finally{i(r+"end",[o,a,l],u,c)}}}function i(r,n,i,o){if(!s||t){var a=s;s=!0;try{e.emit(r,n,i,t,o)}catch(t){d([t,r,n,i],e)}s=a}}}function d(e,t){t||(t=n.ee);try{t.emit("internal-error",e)}catch(e){}}function u(e){return!(e&&"function"==typeof e&&e.apply&&!e[o])}},9300:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.ajax},3333:(e,t,r)=>{"use strict";r.d(t,{TZ:()=>n,Zp:()=>i,mq:()=>s,nf:()=>a,qN:()=>o});const n=r(860).K7.genericEvents,i=["auxclick","click","copy","keydown","paste","scrollend"],o=["focus","blur"],a=4,s=1e3},6774:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.jserrors},993:(e,t,r)=>{"use strict";r.d(t,{ET:()=>o,TZ:()=>a,p_:()=>i});var n=r(860);const i={ERROR:"ERROR",WARN:"WARN",INFO:"INFO",DEBUG:"DEBUG",TRACE:"TRACE"},o="log",a=n.K7.logging},3785:(e,t,r)=>{"use strict";r.d(t,{R:()=>c,b:()=>d});var n=r(9908),i=r(1863),o=r(860),a=r(3969),s=r(993);function c(e,t,r={},c=s.p_.INFO){(0,n.p)(a.xV,["API/logging/".concat(c.toLowerCase(),"/called")],void 0,o.K7.metrics,e),(0,n.p)(s.ET,[(0,i.t)(),t,r,c],void 0,o.K7.logging,e)}function d(e){return"string"==typeof e&&Object.values(s.p_).some((t=>t===e.toUpperCase().trim()))}},3969:(e,t,r)=>{"use strict";r.d(t,{TZ:()=>n,XG:()=>s,rs:()=>i,xV:()=>a,z_:()=>o});const n=r(860).K7.metrics,i="sm",o="cm",a="storeSupportabilityMetrics",s="storeEventMetrics"},6630:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewEvent},782:(e,t,r)=>{"use strict";r.d(t,{T:()=>n});const n=r(860).K7.pageViewTiming},6344:(e,t,r)=>{"use strict";r.d(t,{BB:()=>u,G4:()=>o,Qb:()=>l,TZ:()=>i,Ug:()=>a,_s:()=>s,bc:()=>d,yP:()=>c});var n=r(2614);const i=r(860).K7.sessionReplay,o={RECORD:"recordReplay",PAUSE:"pauseReplay",REPLAY_RUNNING:"replayRunning",ERROR_DURING_REPLAY:"errorDuringReplay"},a=.12,s={DomContentLoaded:0,Load:1,FullSnapshot:2,IncrementalSnapshot:3,Meta:4,Custom:5},c={[n.g.ERROR]:15e3,[n.g.FULL]:3e5,[n.g.OFF]:0},d={RESET:{message:"Session was reset",sm:"Reset"},IMPORT:{message:"Recorder failed to import",sm:"Import"},TOO_MANY:{message:"429: Too Many Requests",sm:"Too-Many"},TOO_BIG:{message:"Payload was too large",sm:"Too-Big"},CROSS_TAB:{message:"Session Entity was set to OFF on another tab",sm:"Cross-Tab"},ENTITLEMENTS:{message:"Session Replay is not allowed and will not be started",sm:"Entitlement"}},u=5e3,l={API:"api"}},5270:(e,t,r)=>{"use strict";r.d(t,{Aw:()=>c,CT:()=>d,SR:()=>s});var n=r(384),i=r(9417),o=r(7767),a=r(6154);function s(e){return!!(0,n.dV)().o.MO&&(0,o.V)(e)&&!0===(0,i.gD)(e,"session_trace.enabled")}function c(e){return!0===(0,i.gD)(e,"session_replay.preload")&&s(e)}function d(e,t){const r=t.correctAbsoluteTimestamp(e);return{originalTimestamp:e,correctedTimestamp:r,timestampDiff:e-r,originTime:a.WN,correctedOriginTime:t.correctedOriginTime,originTimeDiff:Math.floor(a.WN-t.correctedOriginTime)}}},3738:(e,t,r)=>{"use strict";r.d(t,{He:()=>i,Kp:()=>s,Lc:()=>d,Rz:()=>u,TZ:()=>n,bD:()=>o,d3:()=>a,jx:()=>l,uP:()=>c});const n=r(860).K7.sessionTrace,i="bstResource",o="resource",a="-start",s="-end",c="fn"+a,d="fn"+s,u="pushState",l=1e3},4234:(e,t,r)=>{"use strict";r.d(t,{W:()=>o});var n=r(7836),i=r(1687);class o{constructor(e,t){this.agentIdentifier=e,this.ee=n.ee.get(e),this.featureName=t,this.blocked=!1}deregisterDrain(){(0,i.x3)(this.agentIdentifier,this.featureName)}}},7767:(e,t,r)=>{"use strict";r.d(t,{V:()=>o});var n=r(9417),i=r(6154);const o=e=>i.RI&&!0===(0,n.gD)(e,"privacy.cookies_enabled")},425:(e,t,r)=>{"use strict";r.d(t,{j:()=>P});var n=r(860),i=r(2555),o=r(3371),a=r(9908),s=r(7836),c=r(1687),d=r(5289),u=r(6154),l=r(944),f=r(3969),h=r(384),g=r(6344);const p=["setErrorHandler","finished","addToTrace","addRelease","addPageAction","setCurrentRouteName","setPageViewName","setCustomAttribute","interaction","noticeError","setUserId","setApplicationVersion","start",g.G4.RECORD,g.G4.PAUSE,"log","wrapLogger"],m=["setErrorHandler","finished","addToTrace","addRelease"];var v=r(1863),b=r(2614),y=r(993),R=r(3785),x=r(2646),w=r(3434);function T(e,t,r,n){if("object"!=typeof t||!t||"string"!=typeof r||!r||"function"!=typeof t[r])return(0,l.R)(29);const i=function(e){return(e||s.ee).get("logger")}(e),o=(0,w.YM)(i),a=new x.y(s.P);return a.level=n.level,a.customAttributes=n.customAttributes,o.inPlace(t,[r],"wrap-logger-",a),i}function A(){const e=(0,h.pV)();p.forEach((t=>{e[t]=(...r)=>function(t,...r){let n=[];return Object.values(e.initializedAgents).forEach((e=>{e&&e.api?e.exposed&&e.api[t]&&n.push(e.api[t](...r)):(0,l.R)(38,t)})),n.length>1?n:n[0]}(t,...r)}))}const E={};var S=r(9417),_=r(5603),O=r(5284);const N=e=>{const t=e.startsWith("http");e+="/",r.p=t?e:"https://"+e};let I=!1;function P(e,t={},p,x){let{init:w,info:P,loader_config:j,runtime:C={},exposed:k=!0}=t;C.loaderType=p;const H=(0,h.pV)();P||(w=H.init,P=H.info,j=H.loader_config),(0,S.xN)(e.agentIdentifier,w||{}),(0,_.a)(e.agentIdentifier,j||{}),P.jsAttributes??={},u.bv&&(P.jsAttributes.isWorker=!0),(0,i.x1)(e.agentIdentifier,P);const D=(0,S.D0)(e.agentIdentifier),L=[P.beacon,P.errorBeacon];I||(D.proxy.assets&&(N(D.proxy.assets),L.push(D.proxy.assets)),D.proxy.beacon&&L.push(D.proxy.beacon),A(),(0,h.US)("activatedFeatures",O.B),e.runSoftNavOverSpa&&=!0===D.soft_navigations.enabled&&D.feature_flags.includes("soft_nav")),C.denyList=[...D.ajax.deny_list||[],...D.ajax.block_internal?L:[]],C.ptid=e.agentIdentifier,(0,o.V)(e.agentIdentifier,C),e.ee=s.ee.get(e.agentIdentifier),void 0===e.api&&(e.api=function(e,t,h=!1){t||(0,c.Ak)(e,"api");const p={};var x=s.ee.get(e),w=x.get("tracer");E[e]=b.g.OFF,x.on(g.G4.REPLAY_RUNNING,(t=>{E[e]=t}));var A="api-",S=A+"ixn-";function _(t,r,n,o){const a=(0,i.Vp)(e);return null===r?delete a.jsAttributes[t]:(0,i.x1)(e,{...a,jsAttributes:{...a.jsAttributes,[t]:r}}),I(A,n,!0,o||null===r?"session":void 0)(t,r)}function O(){}p.log=function(e,{customAttributes:t={},level:r=y.p_.INFO}={}){(0,a.p)(f.xV,["API/log/called"],void 0,n.K7.metrics,x),(0,R.R)(x,e,t,r)},p.wrapLogger=(e,t,{customAttributes:r={},level:i=y.p_.INFO}={})=>{(0,a.p)(f.xV,["API/wrapLogger/called"],void 0,n.K7.metrics,x),T(x,e,t,{customAttributes:r,level:i})},m.forEach((e=>{p[e]=I(A,e,!0,"api")})),p.addPageAction=I(A,"addPageAction",!0,n.K7.genericEvents),p.setPageViewName=function(t,r){if("string"==typeof t)return"/"!==t.charAt(0)&&(t="/"+t),(0,o.f)(e).customTransaction=(r||"http://custom.transaction")+t,I(A,"setPageViewName",!0)()},p.setCustomAttribute=function(e,t,r=!1){if("string"==typeof e){if(["string","number","boolean"].includes(typeof t)||null===t)return _(e,t,"setCustomAttribute",r);(0,l.R)(40,typeof t)}else(0,l.R)(39,typeof e)},p.setUserId=function(e){if("string"==typeof e||null===e)return _("enduser.id",e,"setUserId",!0);(0,l.R)(41,typeof e)},p.setApplicationVersion=function(e){if("string"==typeof e||null===e)return _("application.version",e,"setApplicationVersion",!1);(0,l.R)(42,typeof e)},p.start=()=>{try{(0,a.p)(f.xV,["API/start/called"],void 0,n.K7.metrics,x),x.emit("manual-start-all")}catch(e){(0,l.R)(23,e)}},p[g.G4.RECORD]=function(){(0,a.p)(f.xV,["API/recordReplay/called"],void 0,n.K7.metrics,x),(0,a.p)(g.G4.RECORD,[],void 0,n.K7.sessionReplay,x)},p[g.G4.PAUSE]=function(){(0,a.p)(f.xV,["API/pauseReplay/called"],void 0,n.K7.metrics,x),(0,a.p)(g.G4.PAUSE,[],void 0,n.K7.sessionReplay,x)},p.interaction=function(e){return(new O).get("object"==typeof e?e:{})};const N=O.prototype={createTracer:function(e,t){var r={},i=this,o="function"==typeof t;return(0,a.p)(f.xV,["API/createTracer/called"],void 0,n.K7.metrics,x),h||(0,a.p)(S+"tracer",[(0,v.t)(),e,r],i,n.K7.spa,x),function(){if(w.emit((o?"":"no-")+"fn-start",[(0,v.t)(),i,o],r),o)try{return t.apply(this,arguments)}catch(e){const t="string"==typeof e?new Error(e):e;throw w.emit("fn-err",[arguments,this,t],r),t}finally{w.emit("fn-end",[(0,v.t)()],r)}}}};function I(e,t,r,i){return function(){return(0,a.p)(f.xV,["API/"+t+"/called"],void 0,n.K7.metrics,x),i&&(0,a.p)(e+t,[(0,v.t)(),...arguments],r?null:this,i,x),r?void 0:this}}function P(){r.e(891).then(r.bind(r,8778)).then((({setAPI:t})=>{t(e),(0,c.Ze)(e,"api")})).catch((e=>{(0,l.R)(27,e),x.abort()}))}return["actionText","setName","setAttribute","save","ignore","onEnd","getContext","end","get"].forEach((e=>{N[e]=I(S,e,void 0,h?n.K7.softNav:n.K7.spa)})),p.setCurrentRouteName=h?I(S,"routeName",void 0,n.K7.softNav):I(A,"routeName",!0,n.K7.spa),p.noticeError=function(t,r){"string"==typeof t&&(t=new Error(t)),(0,a.p)(f.xV,["API/noticeError/called"],void 0,n.K7.metrics,x),(0,a.p)("err",[t,(0,v.t)(),!1,r,!!E[e]],void 0,n.K7.jserrors,x)},u.RI?(0,d.GG)((()=>P()),!0):P(),p}(e.agentIdentifier,x,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=k),I=!0}},8374:(e,t,r)=>{r.nc=(()=>{try{return document?.currentScript?.nonce}catch(e){}return""})()},860:(e,t,r)=>{"use strict";r.d(t,{$J:()=>o,K7:()=>n,P3:()=>i});const n={ajax:"ajax",genericEvents:"generic_events",jserrors:"jserrors",logging:"logging",metrics:"metrics",pageAction:"page_action",pageViewEvent:"page_view_event",pageViewTiming:"page_view_timing",sessionReplay:"session_replay",sessionTrace:"session_trace",softNav:"soft_navigations",spa:"spa"},i={[n.pageViewEvent]:1,[n.pageViewTiming]:2,[n.metrics]:3,[n.jserrors]:4,[n.spa]:5,[n.ajax]:6,[n.sessionTrace]:7,[n.softNav]:8,[n.sessionReplay]:9,[n.logging]:10,[n.genericEvents]:11},o={[n.pageViewTiming]:"events",[n.ajax]:"events",[n.spa]:"events",[n.softNav]:"events",[n.metrics]:"jserrors",[n.jserrors]:"jserrors",[n.sessionTrace]:"browser/blobs",[n.sessionReplay]:"browser/blobs",[n.logging]:"browser/logs",[n.genericEvents]:"ins"}}},n={};function i(e){var t=n[e];if(void 0!==t)return t.exports;var o=n[e]={exports:{}};return r[e](o,o.exports,i),o.exports}i.m=r,i.d=(e,t)=>{for(var r in t)i.o(t,r)&&!i.o(e,r)&&Object.defineProperty(e,r,{enumerable:!0,get:t[r]})},i.f={},i.e=e=>Promise.all(Object.keys(i.f).reduce(((t,r)=>(i.f[r](e,t),t)),[])),i.u=e=>({95:"nr-full-compressor",222:"nr-full-recorder",891:"nr-full"}[e]+"-1.273.1.min.js"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.273.1.PROD:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var d=document.getElementsByTagName("script"),u=0;u<d.length;u++){var l=d[u];if(l.getAttribute("src")==r||l.getAttribute("data-webpack")==t+o){s=l;break}}if(!s){c=!0;var f={891:"sha512-LXjq3kTvQi8rT4gSjolAAJS09xasHaR99hdwBhwS8wGVk3Yws/8fcpdlDAonsO67sGTgpclmVH7TFPpZZm+jEg==",222:"sha512-kEGKoaO3syAkKHYRoJAF9bNXhZ3VJU0ibF7PMaVBVzEobgBkY+oKMkm8F7T5pp9LEJayvzP3xmlqm0nIW0pTaA==",95:"sha512-keckftOBotOAL7E2WsdajwnzseT4D3il/6/dB0yBA9HpqXMYOVdULZbu8slP/Gg1CFlumnlMimsB/yU68CK4LA=="};(s=document.createElement("script")).charset="utf-8",s.timeout=120,i.nc&&s.setAttribute("nonce",i.nc),s.setAttribute("data-webpack",t+o),s.src=r,0!==s.src.indexOf(window.location.origin+"/")&&(s.crossOrigin="anonymous"),f[a]&&(s.integrity=f[a])}e[r]=[n];var h=(t,n)=>{s.onerror=s.onload=null,clearTimeout(g);var i=e[r];if(delete e[r],s.parentNode&&s.parentNode.removeChild(s),i&&i.forEach((e=>e(n))),t)return t(n)},g=setTimeout(h.bind(null,void 0,{type:"timeout",target:s}),12e4);s.onerror=h.bind(null,s.onerror),s.onload=h.bind(null,s.onload),c&&document.head.appendChild(s)}},i.r=e=>{"undefined"!=typeof Symbol&&Symbol.toStringTag&&Object.defineProperty(e,Symbol.toStringTag,{value:"Module"}),Object.defineProperty(e,"__esModule",{value:!0})},i.p="https://js-agent.newrelic.com/",(()=>{var e={959:0,85:0};i.f.j=(t,r)=>{var n=i.o(e,t)?e[t]:void 0;if(0!==n)if(n)r.push(n[2]);else{var o=new Promise(((r,i)=>n=e[t]=[r,i]));r.push(n[2]=o);var a=i.p+i.u(t),s=new Error;i.l(a,(r=>{if(i.o(e,t)&&(0!==(n=e[t])&&(e[t]=void 0),n)){var o=r&&("load"===r.type?"missing":r.type),a=r&&r.target&&r.target.src;s.message="Loading chunk "+t+" failed.\n("+o+": "+a+")",s.name="ChunkLoadError",s.type=o,s.request=a,n[1](s)}}),"chunk-"+t,t)}};var t=(t,r)=>{var n,o,[a,s,c]=r,d=0;if(a.some((t=>0!==e[t]))){for(n in s)i.o(s,n)&&(i.m[n]=s[n]);if(c)c(i)}for(t&&t(r);d<a.length;d++)o=a[d],i.o(e,o)&&e[o]&&e[o][0](),e[o]=0},r=self["webpackChunk:NRBA-1.273.1.PROD"]=self["webpackChunk:NRBA-1.273.1.PROD"]||[];r.forEach(t.bind(null,0)),r.push=t.bind(null,r.push.bind(r))})(),(()=>{"use strict";i(8374);var e=i(944),t=i(6344),r=i(9566);class n{agentIdentifier;constructor(e=(0,r.LA)(16)){this.agentIdentifier=e}#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}addPageAction(e,t){return this.#e("addPageAction",e,t)}setPageViewName(e,t){return this.#e("setPageViewName",e,t)}setCustomAttribute(e,t,r){return this.#e("setCustomAttribute",e,t,r)}noticeError(e,t){return this.#e("noticeError",e,t)}setUserId(e){return this.#e("setUserId",e)}setApplicationVersion(e){return this.#e("setApplicationVersion",e)}setErrorHandler(e){return this.#e("setErrorHandler",e)}addRelease(e,t){return this.#e("addRelease",e,t)}log(e,t){return this.#e("log",e,t)}}class o extends n{#e(t,...r){if("function"==typeof this.api?.[t])return this.api[t](...r);(0,e.R)(35,t)}start(){return this.#e("start")}finished(e){return this.#e("finished",e)}recordReplay(){return this.#e(t.G4.RECORD)}pauseReplay(){return this.#e(t.G4.PAUSE)}addToTrace(e){return this.#e("addToTrace",e)}setCurrentRouteName(e){return this.#e("setCurrentRouteName",e)}interaction(){return this.#e("interaction")}wrapLogger(e,t,r){return this.#e("wrapLogger",e,t,r)}}var a=i(860),s=i(9417);const c=Object.values(a.K7);function d(e){const t={};return c.forEach((r=>{t[r]=function(e,t){return!0===(0,s.gD)(t,"".concat(e,".enabled"))}(r,e)})),t}var u=i(425);var l=i(1687),f=i(4234),h=i(5289),g=i(6154),p=i(5270),m=i(7767),v=i(6389);class b extends f.W{constructor(e,t,r=!0){super(e.agentIdentifier,t),this.auto=r,this.abortHandler=void 0,this.featAggregate=void 0,this.onAggregateImported=void 0,!1===e.init[this.featureName].autoStart&&(this.auto=!1),this.auto?(0,l.Ak)(e.agentIdentifier,t):this.ee.on("manual-start-all",(0,v.J)((()=>{(0,l.Ak)(e.agentIdentifier,this.featureName),this.auto=!0,this.importAggregator(e)})))}importAggregator(t,r={}){if(this.featAggregate||!this.auto)return;let n;this.onAggregateImported=new Promise((e=>{n=e}));const o=async()=>{let o;try{if((0,m.V)(this.agentIdentifier)){const{setupAgentSession:e}=await i.e(891).then(i.bind(i,6526));o=e(t)}}catch(t){(0,e.R)(20,t),this.ee.emit("internal-error",[t]),this.featureName===a.K7.sessionReplay&&this.abortHandler?.()}try{if(t.sharedAggregator)await t.sharedAggregator;else{t.sharedAggregator=i.e(891).then(i.bind(i,9337));const{EventAggregator:e}=await t.sharedAggregator;t.sharedAggregator=new e}if(!this.#t(this.featureName,o))return(0,l.Ze)(this.agentIdentifier,this.featureName),void n(!1);const{lazyFeatureLoader:e}=await i.e(891).then(i.bind(i,6103)),{Aggregate:a}=await e(this.featureName,"aggregate");this.featAggregate=new a(t,r),n(!0)}catch(t){(0,e.R)(34,t),this.abortHandler?.(),(0,l.Ze)(this.agentIdentifier,this.featureName,!0),n(!1),this.ee&&this.ee.abort()}};g.RI?(0,h.GG)((()=>o()),!0):o()}#t(e,t){switch(e){case a.K7.sessionReplay:return(0,p.SR)(this.agentIdentifier)&&!!t;case a.K7.sessionTrace:return!!t;default:return!0}}}var y=i(6630);class R extends b{static featureName=y.T;constructor(e,t=!0){super(e,y.T,t),this.importAggregator(e)}}var x=i(384);var w=i(9908),T=i(2843),A=i(3878),E=i(782),S=i(1863);class _ extends b{static featureName=E.T;constructor(e,t=!0){super(e,E.T,t),g.RI&&((0,T.u)((()=>(0,w.p)("docHidden",[(0,S.t)()],void 0,E.T,this.ee)),!0),(0,A.sp)("pagehide",(()=>(0,w.p)("winPagehide",[(0,S.t)()],void 0,E.T,this.ee))),this.importAggregator(e))}}var O=i(3969);class N extends b{static featureName=O.TZ;constructor(e,t=!0){super(e,O.TZ,t),this.importAggregator(e)}}var I=i(6774),P=i(3304);class j{constructor(e,t,r,n,i){this.name="UncaughtError",this.message="string"==typeof e?e:(0,P.A)(e),this.sourceURL=t,this.line=r,this.column=n,this.__newrelic=i}}function C(e){return D(e)?e:new j(void 0!==e?.message?e.message:e,e?.filename||e?.sourceURL,e?.lineno||e?.line,e?.colno||e?.col,e?.__newrelic)}function k(e){const t="Unhandled Promise Rejection";if(!e?.reason)return;if(D(e.reason))try{return e.reason.message=t+": "+e.reason.message,C(e.reason)}catch(t){return C(e.reason)}const r=C(e.reason);return r.message=t+": "+r?.message,r}function H(e){if(e.error instanceof SyntaxError&&!/:\d+$/.test(e.error.stack?.trim())){const t=new j(e.message,e.filename,e.lineno,e.colno,e.error.__newrelic);return t.name=SyntaxError.name,t}return D(e.error)?e.error:C(e)}function D(e){return e instanceof Error&&!!e.stack}class L extends b{static featureName=I.T;#r=!1;constructor(e,r=!0){super(e,I.T,r);try{this.removeOnAbort=new AbortController}catch(e){}this.ee.on("internal-error",(e=>{this.abortHandler&&(0,w.p)("ierr",[C(e),(0,S.t)(),!0,{},this.#r],void 0,this.featureName,this.ee)})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.#r=e})),g.gm.addEventListener("unhandledrejection",(e=>{this.abortHandler&&(0,w.p)("err",[k(e),(0,S.t)(),!1,{unhandledPromiseRejection:1},this.#r],void 0,this.featureName,this.ee)}),(0,A.jT)(!1,this.removeOnAbort?.signal)),g.gm.addEventListener("error",(e=>{this.abortHandler&&(0,w.p)("err",[H(e),(0,S.t)(),!1,{},this.#r],void 0,this.featureName,this.ee)}),(0,A.jT)(!1,this.removeOnAbort?.signal)),this.abortHandler=this.#n,this.importAggregator(e)}#n(){this.removeOnAbort?.abort(),this.abortHandler=void 0}}var K=i(8990);let M=1;const U="nr@id";function V(e){const t=typeof e;return!e||"object"!==t&&"function"!==t?-1:e===g.gm?0:(0,K.I)(e,U,(function(){return M++}))}function G(e){if("string"==typeof e&&e.length)return e.length;if("object"==typeof e){if("undefined"!=typeof ArrayBuffer&&e instanceof ArrayBuffer&&e.byteLength)return e.byteLength;if("undefined"!=typeof Blob&&e instanceof Blob&&e.size)return e.size;if(!("undefined"!=typeof FormData&&e instanceof FormData))try{return(0,P.A)(e).length}catch(e){return}}}var F=i(8139),B=i(7836),W=i(3434);const z={},q=["open","send"];function Z(t){var r=t||B.ee;const n=function(e){return(e||B.ee).get("xhr")}(r);if(z[n.debugId]++)return n;z[n.debugId]=1,(0,F.u)(r);var i=(0,W.YM)(n),o=g.gm.XMLHttpRequest,a=g.gm.MutationObserver,s=g.gm.Promise,c=g.gm.setInterval,d="readystatechange",u=["onload","onerror","onabort","onloadstart","onloadend","onprogress","ontimeout"],l=[],f=g.gm.XMLHttpRequest=function(t){const r=new o(t),a=n.context(r);try{n.emit("new-xhr",[r],a),r.addEventListener(d,(s=a,function(){var e=this;e.readyState>3&&!s.resolved&&(s.resolved=!0,n.emit("xhr-resolved",[],e)),i.inPlace(e,u,"fn-",y)}),(0,A.jT)(!1))}catch(t){(0,e.R)(15,t);try{n.emit("internal-error",[t])}catch(e){}}var s;return r};function h(e,t){i.inPlace(t,["onreadystatechange"],"fn-",y)}if(function(e,t){for(var r in e)t[r]=e[r]}(o,f),f.prototype=o.prototype,i.inPlace(f.prototype,q,"-xhr-",y),n.on("send-xhr-start",(function(e,t){h(e,t),function(e){l.push(e),a&&(p?p.then(b):c?c(b):(m=-m,v.data=m))}(t)})),n.on("open-xhr-start",h),a){var p=s&&s.resolve();if(!c&&!s){var m=1,v=document.createTextNode(m);new a(b).observe(v,{characterData:!0})}}else r.on("fn-end",(function(e){e[0]&&e[0].type===d||b()}));function b(){for(var e=0;e<l.length;e++)h(0,l[e]);l.length&&(l=[])}function y(e,t){return t}return n}var Y="fetch-",X=Y+"body-",Q=["arrayBuffer","blob","json","text","formData"],J=g.gm.Request,ee=g.gm.Response,te="prototype";const re={};function ne(e){const t=function(e){return(e||B.ee).get("fetch")}(e);if(!(J&&ee&&g.gm.fetch))return t;if(re[t.debugId]++)return t;function r(e,r,n){var i=e[r];"function"==typeof i&&(e[r]=function(){var e,r=[...arguments],o={};t.emit(n+"before-start",[r],o),o[B.P]&&o[B.P].dt&&(e=o[B.P].dt);var a=i.apply(this,r);return t.emit(n+"start",[r,e],a),a.then((function(e){return t.emit(n+"end",[null,e],a),e}),(function(e){throw t.emit(n+"end",[e],a),e}))})}return re[t.debugId]=1,Q.forEach((e=>{r(J[te],e,X),r(ee[te],e,X)})),r(g.gm,"fetch",Y),t.on(Y+"end",(function(e,r){var n=this;if(r){var i=r.headers.get("content-length");null!==i&&(n.rxSize=i),t.emit(Y+"done",[null,r],n)}else t.emit(Y+"done",[e],n)})),t}var ie=i(7485),oe=i(5603);class ae{constructor(e){this.agentIdentifier=e}generateTracePayload(e){if(!this.shouldGenerateTrace(e))return null;var t=(0,oe.o)(this.agentIdentifier);if(!t)return null;var n=(t.accountID||"").toString()||null,i=(t.agentID||"").toString()||null,o=(t.trustKey||"").toString()||null;if(!n||!i)return null;var a=(0,r.ZF)(),s=(0,r.el)(),c=Date.now(),d={spanId:a,traceId:s,timestamp:c};return(e.sameOrigin||this.isAllowedOrigin(e)&&this.useTraceContextHeadersForCors())&&(d.traceContextParentHeader=this.generateTraceContextParentHeader(a,s),d.traceContextStateHeader=this.generateTraceContextStateHeader(a,c,n,i,o)),(e.sameOrigin&&!this.excludeNewrelicHeader()||!e.sameOrigin&&this.isAllowedOrigin(e)&&this.useNewrelicHeaderForCors())&&(d.newrelicHeader=this.generateTraceHeader(a,s,c,n,i,o)),d}generateTraceContextParentHeader(e,t){return"00-"+t+"-"+e+"-01"}generateTraceContextStateHeader(e,t,r,n,i){return i+"@nr=0-1-"+r+"-"+n+"-"+e+"----"+t}generateTraceHeader(e,t,r,n,i,o){if(!("function"==typeof g.gm?.btoa))return null;var a={v:[0,1],d:{ty:"Browser",ac:n,ap:i,id:e,tr:t,ti:r}};return o&&n!==o&&(a.d.tk=o),btoa((0,P.A)(a))}shouldGenerateTrace(e){return this.isDtEnabled()&&this.isAllowedOrigin(e)}isAllowedOrigin(e){var t=!1,r={};if((0,s.gD)(this.agentIdentifier,"distributed_tracing")&&(r=(0,s.D0)(this.agentIdentifier).distributed_tracing),e.sameOrigin)t=!0;else if(r.allowed_origins instanceof Array)for(var n=0;n<r.allowed_origins.length;n++){var i=(0,ie.D)(r.allowed_origins[n]);if(e.hostname===i.hostname&&e.protocol===i.protocol&&e.port===i.port){t=!0;break}}return t}isDtEnabled(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.enabled}excludeNewrelicHeader(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.exclude_newrelic_header}useNewrelicHeaderForCors(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!1!==e.cors_use_newrelic_header}useTraceContextHeadersForCors(){var e=(0,s.gD)(this.agentIdentifier,"distributed_tracing");return!!e&&!!e.cors_use_tracecontext_headers}}var se=i(9300),ce=i(7295),de=["load","error","abort","timeout"],ue=de.length,le=(0,x.dV)().o.REQ,fe=(0,x.dV)().o.XHR;class he extends b{static featureName=se.T;constructor(e,t=!0){super(e,se.T,t),this.dt=new ae(e.agentIdentifier),this.handler=(e,t,r,n)=>(0,w.p)(e,t,r,n,this.ee);try{const e={xmlhttprequest:"xhr",fetch:"fetch",beacon:"beacon"};g.gm?.performance?.getEntriesByType("resource").forEach((t=>{if(t.initiatorType in e&&0!==t.responseStatus){const r={status:t.responseStatus},n={rxSize:t.transferSize,duration:Math.floor(t.duration),cbTime:0};ge(r,t.name),this.handler("xhr",[r,n,t.startTime,t.responseEnd,e[t.initiatorType]],void 0,a.K7.ajax)}}))}catch(e){}ne(this.ee),Z(this.ee),function(e,t,r,n){function i(e){var t=this;t.totalCbs=0,t.called=0,t.cbTime=0,t.end=x,t.ended=!1,t.xhrGuids={},t.lastSize=null,t.loadCaptureCalled=!1,t.params=this.params||{},t.metrics=this.metrics||{},e.addEventListener("load",(function(r){T(t,e)}),(0,A.jT)(!1)),g.lR||e.addEventListener("progress",(function(e){t.lastSize=e.loaded}),(0,A.jT)(!1))}function o(e){this.params={method:e[0]},ge(this,e[1]),this.metrics={}}function s(t,r){e.loader_config.xpid&&this.sameOrigin&&r.setRequestHeader("X-NewRelic-ID",e.loader_config.xpid);var i=n.generateTracePayload(this.parsedOrigin);if(i){var o=!1;i.newrelicHeader&&(r.setRequestHeader("newrelic",i.newrelicHeader),o=!0),i.traceContextParentHeader&&(r.setRequestHeader("traceparent",i.traceContextParentHeader),i.traceContextStateHeader&&r.setRequestHeader("tracestate",i.traceContextStateHeader),o=!0),o&&(this.dt=i)}}function c(e,r){var n=this.metrics,i=e[0],o=this;if(n&&i){var a=G(i);a&&(n.txSize=a)}this.startTime=(0,S.t)(),this.body=i,this.listener=function(e){try{"abort"!==e.type||o.loadCaptureCalled||(o.params.aborted=!0),("load"!==e.type||o.called===o.totalCbs&&(o.onloadCalled||"function"!=typeof r.onload)&&"function"==typeof o.end)&&o.end(r)}catch(e){try{t.emit("internal-error",[e])}catch(e){}}};for(var s=0;s<ue;s++)r.addEventListener(de[s],this.listener,(0,A.jT)(!1))}function d(e,t,r){this.cbTime+=e,t?this.onloadCalled=!0:this.called+=1,this.called!==this.totalCbs||!this.onloadCalled&&"function"==typeof r.onload||"function"!=typeof this.end||this.end(r)}function u(e,t){var r=""+V(e)+!!t;this.xhrGuids&&!this.xhrGuids[r]&&(this.xhrGuids[r]=!0,this.totalCbs+=1)}function l(e,t){var r=""+V(e)+!!t;this.xhrGuids&&this.xhrGuids[r]&&(delete this.xhrGuids[r],this.totalCbs-=1)}function f(){this.endTime=(0,S.t)()}function h(e,r){r instanceof fe&&"load"===e[0]&&t.emit("xhr-load-added",[e[1],e[2]],r)}function p(e,r){r instanceof fe&&"load"===e[0]&&t.emit("xhr-load-removed",[e[1],e[2]],r)}function m(e,t,r){t instanceof fe&&("onload"===r&&(this.onload=!0),("load"===(e[0]&&e[0].type)||this.onload)&&(this.xhrCbStart=(0,S.t)()))}function v(e,r){this.xhrCbStart&&t.emit("xhr-cb-time",[(0,S.t)()-this.xhrCbStart,this.onload,r],r)}function b(e){var t,r=e[1]||{};if("string"==typeof e[0]?0===(t=e[0]).length&&g.RI&&(t=""+g.gm.location.href):e[0]&&e[0].url?t=e[0].url:g.gm?.URL&&e[0]&&e[0]instanceof URL?t=e[0].href:"function"==typeof e[0].toString&&(t=e[0].toString()),"string"==typeof t&&0!==t.length){t&&(this.parsedOrigin=(0,ie.D)(t),this.sameOrigin=this.parsedOrigin.sameOrigin);var i=n.generateTracePayload(this.parsedOrigin);if(i&&(i.newrelicHeader||i.traceContextParentHeader))if(e[0]&&e[0].headers)s(e[0].headers,i)&&(this.dt=i);else{var o={};for(var a in r)o[a]=r[a];o.headers=new Headers(r.headers||{}),s(o.headers,i)&&(this.dt=i),e.length>1?e[1]=o:e.push(o)}}function s(e,t){var r=!1;return t.newrelicHeader&&(e.set("newrelic",t.newrelicHeader),r=!0),t.traceContextParentHeader&&(e.set("traceparent",t.traceContextParentHeader),t.traceContextStateHeader&&e.set("tracestate",t.traceContextStateHeader),r=!0),r}}function y(e,t){this.params={},this.metrics={},this.startTime=(0,S.t)(),this.dt=t,e.length>=1&&(this.target=e[0]),e.length>=2&&(this.opts=e[1]);var r,n=this.opts||{},i=this.target;"string"==typeof i?r=i:"object"==typeof i&&i instanceof le?r=i.url:g.gm?.URL&&"object"==typeof i&&i instanceof URL&&(r=i.href),ge(this,r);var o=(""+(i&&i instanceof le&&i.method||n.method||"GET")).toUpperCase();this.params.method=o,this.body=n.body,this.txSize=G(n.body)||0}function R(e,t){if(this.endTime=(0,S.t)(),this.params||(this.params={}),(0,ce.iW)(this.params))return;let n;this.params.status=t?t.status:0,"string"==typeof this.rxSize&&this.rxSize.length>0&&(n=+this.rxSize);const i={txSize:this.txSize,rxSize:n,duration:(0,S.t)()-this.startTime};r("xhr",[this.params,i,this.startTime,this.endTime,"fetch"],this,a.K7.ajax)}function x(e){const t=this.params,n=this.metrics;if(!this.ended){this.ended=!0;for(let t=0;t<ue;t++)e.removeEventListener(de[t],this.listener,!1);t.aborted||(0,ce.iW)(t)||(n.duration=(0,S.t)()-this.startTime,this.loadCazptureCalled||4!==e.readyState?null==t.status&&(t.status=0):T(this,e),n.cbTime=this.cbTime,r("xhr",[t,n,this.startTime,this.endTime,"xhr"],this,a.K7.ajax))}}function T(e,r){e.params.status=r.status;var n=function(e,t){var r=e.responseType;return"json"===r&&null!==t?t:"arraybuffer"===r||"blob"===r||"json"===r?G(e.response):"text"===r||""===r||void 0===r?G(e.responseText):void 0}(r,e.lastSize);if(n&&(e.metrics.rxSize=n),e.sameOrigin){var i=r.getResponseHeader("X-NewRelic-App-Data");i&&((0,w.p)(O.rs,["Ajax/CrossApplicationTracing/Header/Seen"],void 0,a.K7.metrics,t),e.params.cat=i.split(", ").pop())}e.loadCaptureCalled=!0}t.on("new-xhr",i),t.on("open-xhr-start",o),t.on("open-xhr-end",s),t.on("send-xhr-start",c),t.on("xhr-cb-time",d),t.on("xhr-load-added",u),t.on("xhr-load-removed",l),t.on("xhr-resolved",f),t.on("addEventListener-end",h),t.on("removeEventListener-end",p),t.on("fn-end",v),t.on("fetch-before-start",b),t.on("fetch-start",y),t.on("fn-start",m),t.on("fetch-done",R)}(e,this.ee,this.handler,this.dt),this.importAggregator(e)}}function ge(e,t){var r=(0,ie.D)(t),n=e.params||e;n.hostname=r.hostname,n.port=r.port,n.protocol=r.protocol,n.host=r.hostname+":"+r.port,n.pathname=r.pathname,e.parsedOrigin=r,e.sameOrigin=r.sameOrigin}const pe={},me=["pushState","replaceState"];function ve(e){const t=function(e){return(e||B.ee).get("history")}(e);return!g.RI||pe[t.debugId]++||(pe[t.debugId]=1,(0,W.YM)(t).inPlace(window.history,me,"-")),t}var be=i(3738);const{He:ye,bD:Re,d3:xe,Kp:we,TZ:Te,Lc:Ae,uP:Ee,Rz:Se}=be;class _e extends b{static featureName=Te;constructor(e,t=!0){super(e,Te,t);if(!(0,m.V)(this.agentIdentifier))return void this.deregisterDrain();const r=this.ee;let n;ve(r),this.eventsEE=(0,F.u)(r),this.eventsEE.on(Ee,(function(e,t){this.bstStart=(0,S.t)()})),this.eventsEE.on(Ae,(function(e,t){(0,w.p)("bst",[e[0],t,this.bstStart,(0,S.t)()],void 0,a.K7.sessionTrace,r)})),r.on(Se+xe,(function(e){this.time=(0,S.t)(),this.startPath=location.pathname+location.hash})),r.on(Se+we,(function(e){(0,w.p)("bstHist",[location.pathname+location.hash,this.startPath,this.time],void 0,a.K7.sessionTrace,r)}));try{n=new PerformanceObserver((e=>{const t=e.getEntries();(0,w.p)(ye,[t],void 0,a.K7.sessionTrace,r)})),n.observe({type:Re,buffered:!0})}catch(e){}this.importAggregator(e,{resourceObserver:n})}}var Oe=i(2614);class Ne extends b{static featureName=t.TZ;#i;#o;constructor(e,r=!0){let n;super(e,t.TZ,r),this.replayRunning=!1,this.#o=e;try{n=JSON.parse(localStorage.getItem("".concat(Oe.H3,"_").concat(Oe.uh)))}catch(e){}(0,p.SR)(e.agentIdentifier)&&this.ee.on(t.G4.RECORD,(()=>this.#a())),this.#s(n)?(this.#i=n?.sessionReplayMode,this.#c()):this.importAggregator(e),this.ee.on("err",(e=>{this.replayRunning&&(this.errorNoticed=!0,(0,w.p)(t.G4.ERROR_DURING_REPLAY,[e],void 0,this.featureName,this.ee))})),this.ee.on(t.G4.REPLAY_RUNNING,(e=>{this.replayRunning=e}))}#s(e){return e&&(e.sessionReplayMode===Oe.g.FULL||e.sessionReplayMode===Oe.g.ERROR)||(0,p.Aw)(this.agentIdentifier)}#d=!1;async#c(e){if(!this.#d){this.#d=!0;try{const{Recorder:t}=await Promise.all([i.e(891),i.e(222)]).then(i.bind(i,2496));this.recorder??=new t({mode:this.#i,agentIdentifier:this.agentIdentifier,trigger:e,ee:this.ee}),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording}catch(e){}this.importAggregator(this.#o,{recorder:this.recorder,errorNoticed:this.errorNoticed})}}#a(){this.featAggregate?this.featAggregate.mode!==Oe.g.FULL&&this.featAggregate.initializeRecording(Oe.g.FULL,!0):(this.#i=Oe.g.FULL,this.#c(t.Qb.API),this.recorder&&this.recorder.parent.mode!==Oe.g.FULL&&(this.recorder.parent.mode=Oe.g.FULL,this.recorder.stopRecording(),this.recorder.startRecording(),this.abortHandler=this.recorder.stopRecording))}}var Ie=i(3333);class Pe extends b{static featureName=Ie.TZ;constructor(e,t=!0){super(e,Ie.TZ,t);const r=[e.init.page_action.enabled,e.init.performance.capture_marks,e.init.performance.capture_measures,e.init.user_actions.enabled];g.RI&&e.init.user_actions.enabled&&(Ie.Zp.forEach((e=>(0,A.sp)(e,(e=>(0,w.p)("ua",[e],void 0,this.featureName,this.ee)),!0))),Ie.qN.forEach((e=>(0,A.sp)(e,(e=>(0,w.p)("ua",[e],void 0,this.featureName,this.ee)))))),r.some((e=>e))?this.importAggregator(e):this.deregisterDrain()}}var je=i(993),Ce=i(3785);class ke extends b{static featureName=je.TZ;constructor(e,t=!0){super(e,je.TZ,t);const r=this.ee;this.ee.on("wrap-logger-end",(function([e]){const{level:t,customAttributes:n}=this;(0,Ce.R)(r,e,n,t)})),this.importAggregator(e)}}new class extends o{constructor(t,r){super(r),g.gm?(this.features={},(0,x.bQ)(this.agentIdentifier,this),this.desiredFeatures=new Set(t.features||[]),this.desiredFeatures.add(R),this.runSoftNavOverSpa=[...this.desiredFeatures].some((e=>e.featureName===a.K7.softNav)),(0,u.j)(this,t,t.loaderType||"agent"),this.run()):(0,e.R)(21)}get config(){return{info:this.info,init:this.init,loader_config:this.loader_config,runtime:this.runtime}}run(){try{const t=d(this.agentIdentifier),r=[...this.desiredFeatures];r.sort(((e,t)=>a.P3[e.featureName]-a.P3[t.featureName])),r.forEach((r=>{if(!t[r.featureName]&&r.featureName!==a.K7.pageViewEvent)return;if(this.runSoftNavOverSpa&&r.featureName===a.K7.spa)return;if(!this.runSoftNavOverSpa&&r.featureName===a.K7.softNav)return;const n=function(e){switch(e){case a.K7.ajax:return[a.K7.jserrors];case a.K7.sessionTrace:return[a.K7.ajax,a.K7.pageViewEvent];case a.K7.sessionReplay:return[a.K7.sessionTrace];case a.K7.pageViewTiming:return[a.K7.pageViewEvent];default:return[]}}(r.featureName).filter((e=>!(e in this.features)));n.length>0&&(0,e.R)(36,{targetFeature:r.featureName,missingDependencies:n}),this.features[r.featureName]=new r(this)}))}catch(t){(0,e.R)(22,t);for(const e in this.features)this.features[e].abortHandler?.();const r=(0,x.Zm)();delete r.initializedAgents[this.agentIdentifier]?.api,delete r.initializedAgents[this.agentIdentifier]?.features,delete this.sharedAggregator;return r.ee.get(this.agentIdentifier).abort(),!1}}}({features:[R,_,_e,Ne,he,N,L,Pe,ke],loaderType:"pro"})})()})();</script> <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1"> <title>Privacy | Consumer Financial Protection Bureau</title> <meta name="template" content="v1/browse-basic/index.html"> <meta name="description" content=" We collect only the minimum amount of personally identifiable information (PII) we need, whether it is to assist with your issue or to work on consumer issues broadly. "> <link rel="canonical" href="https://www.consumerfinance.gov/privacy/"> <meta property="og:url" content="https://www.consumerfinance.gov/privacy/"> <meta property="og:title" content="Privacy | Consumer Financial Protection Bureau"> <meta property="og:type" content="website"> <meta property="og:image" content="https://www.consumerfinance.gov/static/img/logo_open-graph_facebook.d0dedfbe1787.png"> <meta property="twitter:image" content="https://www.consumerfinance.gov/static/img/logo_open-graph_twitter.ebc43e92acd1.png"> <meta property="og:description" content="Privacy"> <meta property="og:site_name" content="Consumer Financial Protection Bureau"> <meta property="fb:app_id" content="210516218981921"> <link rel="icon" href="/static/favicon.ccb3dcabd67e.ico" sizes="any"> <link rel="icon" href="/static/icon.c46f4400c465.svg" type="image/svg+xml"> <link rel="apple-touch-icon" href="/static/apple-touch-icon.fdc50b7ff8a9.png"> <link rel="manifest" href="/static/site.82101d434c3b.webmanifest"> <link rel="stylesheet" href="/static/css/main.b839448e528a.css"> <link rel="stylesheet" href="/static/css/on-demand/sidebar-contact-info.ef3985243ca0.css" /> <link rel="preload" href="/static/css/main.b839448e528a.css" as="style"> <link rel="preload" href="/static/fonts/2cd55546-ec00-4af9-aeca-4a3cd186da53.457e94a5b665.woff2" as="font" type="font/woff2" crossorigin> <link rel="preload" href="/static/fonts/627fbb5a-3bae-4cd9-b617-2f923e29d55e.24932ad03d18.woff2" as="font" type="font/woff2" crossorigin> <link rel="preload" href="/static/js/routes/common.a0c3b2bb4f14.js" as="script"> <link rel="preconnect" href="//google-analytics.com/" crossorigin> <link rel="dns-prefetch" href="//google-analytics.com/"> <link rel="preconnect" href="//googletagmanager.com/" crossorigin> <link rel="dns-prefetch" href="//googletagmanager.com/"> <link rel="preconnect" href="//js-agent.newrelic.com/" crossorigin> <link rel="dns-prefetch" href="//js-agent.newrelic.com/"> <link rel="dns-prefetch" href="//ytimg.com/"> <link rel="dns-prefetch" href="//doubleclick.net/"> <script>(function(w,d,s,l,i){w[l]=w[l]||[];w[l].push({'gtm.start': new Date().getTime(),event:'gtm.js'});var f=d.getElementsByTagName(s)[0], j=d.createElement(s),dl=l!='dataLayer'?'&l='+l:'';j.async=true;j.src= 'https://www.googletagmanager.com/gtm.js?id='+i+dl; f.parentNode.insertBefore(j,f); })(window,document,'script','dataLayer','GTM-KMMLRS');</script> <script> function jsl(a){ if(window.fetch){ for(var b,c,d=[],f=document.scripts[0];b=a.shift();)c=document.createElement("script"),"async"in c?(c.async=!1,c.src=b,document.head.appendChild(c)):(d.push(c),c.onreadystatechange=function(){for(var e;d[0]&&"loaded"==d[0].readyState;)e=d.shift(),e.onreadystatechange=null,f.parentNode.insertBefore(e,f)},c.src=b); } } </script> <script> if(window.fetch){ document.documentElement.className = document.documentElement.className.replace('no-js', 'js') } </script> </head> <body> <noscript><iframe src="https://www.googletagmanager.com/ns.html?id=GTM-KMMLRS" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <div class="a-overlay u-hidden"></div> <div class="skip-nav"> <a class="skip-nav__link" href=" #content__main"> Skip to main content </a> </div> <header class="o-header o-header--mega-menu"> <div class="m-global-eyebrow m-global-eyebrow--horizontal"> <div class="wrapper wrapper--match-content"> <div class="a-tagline" aria-label="Official website of the United States government"> <span class="u-usa-flag"></span> <div class="a-tagline__text"> An official website of the <span class="u-nowrap">United States government</span> </div> </div> <div class="m-global-eyebrow__actions"> <ul class="m-list m-list--horizontal m-global-eyebrow__languages"> <li class="m-list__item"> <a href="/es/" hreflang="es" lang="es"> Español </a> </li> <li class="m-list__item"> <a href="/language/zh/" hreflang="zh" lang="zh"> 中文 </a> </li> <li class="m-list__item"> <a href="/language/vi/" hreflang="vi" lang="vi"> Tiếng Việt </a> </li> <li class="m-list__item"> <a href="/language/ko/" hreflang="ko" lang="ko"> 한국어 </a> </li> <li class="m-list__item"> <a href="/language/tl/" hreflang="tl" lang="tl"> Tagalog </a> </li> <li class="m-list__item"> <a href="/language/ru/" hreflang="ru" lang="ru"> Pусский </a> </li> <li class="m-list__item"> <a href="/language/ar/" hreflang="ar" lang="ar"> العربية </a> </li> <li class="m-list__item"> <a href="/language/ht/" hreflang="ht" lang="ht"> Kreyòl Ayisyen </a> </li> </ul> <span class="m-global-eyebrow__phone"> <a href="tel:+1-855-411-2372">(855) 411-2372</a> </span> </div> </div> </div> <div class="o-header__content"> <div class="wrapper wrapper--match-content"> <a class="o-header__logo" href="/"> <img alt="Consumer Financial Protection Bureau" class="o-header__logo-img" height="50" sizes="(max-width: 900px) 161px, 237px" src="/static/img/logo_237x50.c7c2ba6c929f.png" srcset="/static/img/logo_161x34.4afedaf12f6b.png 161w, /static/img/logo_161x34@2x.fff273f43f0a.png 322w, /static/img/logo_161x34@3x.f2571ba0e5b0.png 483w, /static/img/logo_161x34@4x.ea36178a3ff3.png 644w, /static/img/logo_237x50.c7c2ba6c929f.png 237w, /static/img/logo_237x50@2x.1a8febf782f9.png 474w" width="237"/> </a> <div class="m-global-header-cta"> <a href="/complaint/"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.11 1.11 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.11 1.11 0 0 1-1.109-1.108V5.286a1.11 1.11 0 0 1 1.108-1.108h10.848a1.11 1.11 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg> Submit a Complaint </a> </div> <div class="m-global-search" data-js-hook="behavior_flyout-menu"> <div class="m-global-search__fallback"> <a rel="nofollow" href="https://search.consumerfinance.gov/search?affiliate=cfpb&query="> Search </a> </div> <button class="m-global-search__trigger" data-js-hook="behavior_flyout-menu_trigger" aria-label="Search the consumerfinance.gov website"> <span class="m-global-search__trigger-open-label"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.11 1.11 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.11 1.11 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.4 4.4 0 0 0 1.68-.327z"/></svg> <span class="u-hide-on-mobile">Search</span> </span> <span class="m-global-search__trigger-close-label"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg> <span class="u-hide-on-mobile">Close</span> </span> </button> <div class="m-global-search__content u-hidden" data-js-hook="behavior_flyout-menu_content" role="search"> <form class="m-global-search__content-form" action="https://search.consumerfinance.gov/search" method="get"> <input type="hidden" name="utf8" value="✓"> <input type="hidden" id="affiliate" name="affiliate" value="cfpb"> <div class="o-search-input"> <div class="o-search-input__input"> <label for="m-global-search_query" class="o-search-input__input-label" aria-label="Search for your question"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--search" viewBox="0 0 15 19"><path d="M14.147 15.488a1.11 1.11 0 0 1-1.567 0l-3.395-3.395a5.575 5.575 0 1 1 1.568-1.568l3.394 3.395a1.11 1.11 0 0 1 0 1.568m-6.361-3.903a4.488 4.488 0 1 0-1.681.327 4.4 4.4 0 0 0 1.68-.327z"/></svg> </label> <input type="search" id="m-global-search_query" name="query" value="" class="a-text-input" placeholder="Search the CFPB" title="Search the CFPB" autocomplete="off" maxlength="75" > <button type="reset" onclick="document.getElementById('m-global-search_query').setAttribute('value','')" aria-label="Clear search" title="Clear search"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg> </button> </div> <button class="a-btn" type="submit" aria-label="Search the CFPB"> Search </button> </div> </form> </div> </div> <nav class="o-mega-menu u-hidden" data-js-hook="behavior_flyout-menu" aria-label="Main menu"> <button class="o-mega-menu__trigger" data-js-hook="behavior_flyout-menu_trigger" aria-haspopup="menu"> <span class="o-mega-menu__trigger-open"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--menu" viewBox="0 0 14 19"><path d="M.789 4.836a1.03 1.03 0 0 1 1.03-1.029h10.363a1.03 1.03 0 1 1 0 2.059H1.818A1.03 1.03 0 0 1 .79 4.836zm12.422 4.347a1.03 1.03 0 0 1-1.03 1.029H1.819a1.03 1.03 0 0 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03zm0 4.345a1.03 1.03 0 0 1-1.03 1.03H1.819a1.03 1.03 0 1 1 0-2.059h10.364a1.03 1.03 0 0 1 1.029 1.03z"/></svg> <span class="u-visually-hidden"> Open the main menu </span> </span> <span class="o-mega-menu__trigger-close"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--error" viewBox="0 0 12 19"><path d="M11.383 13.644A1.03 1.03 0 0 1 9.928 15.1L6 11.172 2.072 15.1a1.03 1.03 0 1 1-1.455-1.456l3.928-3.928L.617 5.79a1.03 1.03 0 1 1 1.455-1.456L6 8.261l3.928-3.928a1.03 1.03 0 0 1 1.455 1.456L7.455 9.716z"/></svg> <span class="u-visually-hidden"> Close the main menu </span> </span> </button> <div class="o-mega-menu__content o-mega-menu__content-1" role="navigation" data-js-hook="behavior_flyout-menu_content"> <div class="o-mega-menu__content-wrapper o-mega-menu__content-1-wrapper"> <div class="o-mega-menu__content-lists o-mega-menu__content-1-lists"> <div class="o-mega-menu__content-list-group o-mega-menu__content-1-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-1-list"> <ul > <li class="o-mega-menu__content-item o-mega-menu__content-1-item o-mega-menu__content-item--has-icon o-mega-menu__content-1-item--has-icon" > <a class="o-mega-menu__content-link o-mega-menu__content-1-link" href="/complaint/"> <div aria-level="2" role="heading"> <span class="o-mega-menu__content-link-icon-pre o-mega-menu__content-1-link-icon-pre"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--complaint" viewbox="0 0 15 19" xmlns="http://www.w3.org/2000/svg"><path d="M14.032 5.286v7.276a1.11 1.11 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.11 1.11 0 0 1-1.109-1.108V5.286a1.11 1.11 0 0 1 1.108-1.108h10.848a1.11 1.11 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"></path></svg></span> Submit a Complaint </div> </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-1-item" data-js-hook=behavior_flyout-menu> <a aria-haspopup="menu" class="o-mega-menu__content-link o-mega-menu__content-1-link o-mega-menu__content-link--has-children o-mega-menu__content-1-link--has-children" data-js-hook="behavior_flyout-menu_trigger" href="#"> <div aria-level="2" role="heading"> Consumer Education <span class="o-mega-menu__content-link-icon-post o-mega-menu__content-1-link-icon-post"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.02 1.02 0 0 1-.727.302z"></path></svg></span> <span class="o-mega-menu__content-link-icon-closed o-mega-menu__content-1-link-icon-closed"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.03 1.03 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.03 1.03 0 0 1-.728.302"></path></svg></span> <span class="o-mega-menu__content-link-icon-open o-mega-menu__content-1-link-icon-open"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.03 1.03 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span> </div> </a> <div class="o-mega-menu__content o-mega-menu__content-2" role="navigation" data-js-hook="behavior_flyout-menu_content"> <button class="o-mega-menu__content-alt-trigger o-mega-menu__content-2-alt-trigger" data-js-hook="behavior_flyout-menu_trigger"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.03 1.03 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg> Back </button> <div class="o-mega-menu__content-wrapper o-mega-menu__content-2-wrapper"> <div class="o-mega-menu__content-lists o-mega-menu__content-2-lists"> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Consumer Education" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/" > Resources for Yourself </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/educator-tools/" > Resources for Helping Others </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/consumer-complaints/" > Consumer Complaint Database </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <div role="heading" aria-level="3" aria-label="Money Topics" class="h5 o-mega-menu__group-heading" id="money-topics-menu"> Money Topics </div> <ul aria-labelledby="money-topics-menu" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/auto-loans/" > Auto Loans </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/bank-accounts/" > Bank Accounts & Services </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/credit-cards/" > Credit Cards </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/credit-reports-and-scores/" > Credit Reports & Scores </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/debt-collection/" > Debt Collection </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/fraud/" > Fraud & Scams </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <div role="heading" aria-level="3" aria-label="Money Topics continued" class="h5 o-mega-menu__group-heading o-mega-menu__group-heading--hidden" id="money-topics-continued-menu"> Money Topics </div> <ul aria-labelledby="money-topics-continued-menu" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/money-transfers/" > Money Transfers </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/mortgages/" > Mortgages </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/payday-loans/" > Payday Loans </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/prepaid-cards/" > Prepaid Cards </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/reverse-mortgages/" > Reverse Mortgages </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/student-loans/" > Student Loans </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list o-mega-menu__content-list--featured o-mega-menu__content-2-list--featured"> <div role="heading" aria-level="3" class="h5 o-mega-menu__group-heading"> Featured </div> <ul aria-label="Featured"> <li class="o-mega-menu__content-item o-mega-menu__content-2-item o-mega-menu__content-item--has-icon o-mega-menu__content-2-item--has-icon"> <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/consumer-tools/"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg> <span><span class="a-link__text">Explore guides to help you plan for big financial goals</span></span> </a> </li> </ul> </div> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <div role="heading" aria-level="3" class="h5 o-mega-menu__group-heading"> Additional Resources </div> <ul aria-label="Additional Resources"> <li class="o-mega-menu__content-item o-mega-menu__content-2-item o-mega-menu__content-item--has-icon o-mega-menu__content-2-item--has-icon"> <a class="a-link o-mega-menu__content-link o-mega-menu__content-2-link" href="/complaint/"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--complaint" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.11 1.11 0 0 1-1.108 1.108H8.75l-1.02 1.635a.273.273 0 0 1-.503 0l-1.02-1.635h-4.13a1.11 1.11 0 0 1-1.109-1.108V5.286a1.11 1.11 0 0 1 1.108-1.108h10.848a1.11 1.11 0 0 1 1.108 1.108M8.206 11.34a.706.706 0 1 0-.706.705.706.706 0 0 0 .706-.705m-1.26-1.83a.554.554 0 1 0 1.108 0V6.275a.554.554 0 1 0-1.108 0z"/></svg> <span class="a-link__text">Submit a Complaint</span> </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item o-mega-menu__content-item--has-icon o-mega-menu__content-2-item--has-icon"> <a class="a-link o-mega-menu__content-link o-mega-menu__content-2-link" href="/your-story/"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--open-quote" viewBox="0 0 16 19"><path d="M6.808 11.29a3.2 3.2 0 0 1 .097 1.464 3.2 3.2 0 0 1-.535 1.277 3.15 3.15 0 0 1-2.286 1.316 3.43 3.43 0 0 1-2.628-.836A3.9 3.9 0 0 1 .26 12.269a4.4 4.4 0 0 1-.052-.653 6 6 0 0 1 .027-.74 5.5 5.5 0 0 1 .33-1.388 5.7 5.7 0 0 1 1.498-2.193A6.7 6.7 0 0 1 4.41 5.923q.344-.118.699-.201a1.24 1.24 0 0 1 .606-.046.792.792 0 0 1-.066 1.548 5.6 5.6 0 0 0-1.356.458 4.57 4.57 0 0 0-1.988 1.812 3 3 0 0 1 .998-.367 3.09 3.09 0 0 1 3.248 1.552 3 3 0 0 1 .257.611m8.941.435a3 3 0 0 1 .038.708 3.2 3.2 0 0 1-1.207 2.265 3.33 3.33 0 0 1-2.609.615 3.38 3.38 0 0 1-2.165-1.35 3.7 3.7 0 0 1-.55-1.085 4.5 4.5 0 0 1-.203-1.224 5.6 5.6 0 0 1 .567-2.656 5.8 5.8 0 0 1 1.598-1.967 6.9 6.9 0 0 1 2.357-1.21 5 5 0 0 1 .676-.162.792.792 0 0 1 .602 1.404 1.3 1.3 0 0 1-.542.201 5.5 5.5 0 0 0-1.278.47 4.54 4.54 0 0 0-1.885 1.76 3.05 3.05 0 0 1 1.242-.4 3.1 3.1 0 0 1 3.359 2.631"/></svg> <span class="a-link__text">Tell Your Story</span> </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item o-mega-menu__content-item--has-icon o-mega-menu__content-2-item--has-icon"> <a class="a-link o-mega-menu__content-link o-mega-menu__content-2-link" href="https://pueblo.gpo.gov/CFPBPubs/CFPBPubs.php"> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--document" viewbox="0 0 12 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.16 16.153a.477.477 0 0 1-.476.475H1.316a.477.477 0 0 1-.475-.475V3.046a.477.477 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.924H8.059a.575.575 0 0 1-.574-.574V3.679H1.95v11.84h8.102zM3.907 4.92a1.03 1.03 0 1 0 1.029 1.03 1.03 1.03 0 0 0-1.03-1.03zm4.958 3.253h-5.87v1.108h5.87zm0 2.354h-5.87v1.109h5.87zm0 2.354h-5.87v1.109h5.87z"></path></svg> <span class="a-link__text">Order free brochures</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item o-mega-menu__content-item--has-icon o-mega-menu__content-2-item--has-icon"> <a class="a-link o-mega-menu__content-link o-mega-menu__content-2-link" href="/ask-cfpb/"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--lightbulb" viewBox="0 0 11 19"><path d="M10.328 6.83a5.9 5.9 0 0 1-1.439 3.64 2.9 2.9 0 0 0-.584 1v1.037a.95.95 0 0 1-.95.95h-3.71a.95.95 0 0 1-.95-.95V11.47a2.9 2.9 0 0 0-.584-1A5.9 5.9 0 0 1 .67 6.83a4.83 4.83 0 0 1 9.28-1.878 4.8 4.8 0 0 1 .38 1.88zm-.95 0a3.878 3.878 0 0 0-7.756 0c0 2.363 2.023 3.409 2.023 4.64v1.037h3.71V11.47c0-1.231 2.023-2.277 2.023-4.64M7.83 14.572a.475.475 0 0 1-.475.476h-3.71a.475.475 0 0 1 0-.95h3.71a.475.475 0 0 1 .475.474m-.64 1.262a.24.24 0 0 1-.078.265 2.67 2.67 0 0 1-3.274 0 .237.237 0 0 1 .145-.425h2.983a.24.24 0 0 1 .225.16z"/></svg> <span class="a-link__text">Browse Ask CFPB</span> </a> </li> </ul> </div> </div> </div> </div> </div> </li> <li class="o-mega-menu__content-item o-mega-menu__content-1-item" data-js-hook=behavior_flyout-menu> <a aria-haspopup="menu" class="o-mega-menu__content-link o-mega-menu__content-1-link o-mega-menu__content-link--has-children o-mega-menu__content-1-link--has-children" data-js-hook="behavior_flyout-menu_trigger" href="/rules-policy/"> <div aria-level="2" role="heading"> Rules & Policy <span class="o-mega-menu__content-link-icon-post o-mega-menu__content-1-link-icon-post"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.02 1.02 0 0 1-.727.302z"></path></svg></span> <span class="o-mega-menu__content-link-icon-closed o-mega-menu__content-1-link-icon-closed"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.03 1.03 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.03 1.03 0 0 1-.728.302"></path></svg></span> <span class="o-mega-menu__content-link-icon-open o-mega-menu__content-1-link-icon-open"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.03 1.03 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span> </div> </a> <div class="o-mega-menu__content o-mega-menu__content-2" role="navigation" data-js-hook="behavior_flyout-menu_content"> <button class="o-mega-menu__content-alt-trigger o-mega-menu__content-2-alt-trigger" data-js-hook="behavior_flyout-menu_trigger"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.03 1.03 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg> Back </button> <div class="o-mega-menu__content-wrapper o-mega-menu__content-2-wrapper"> <div class="o-mega-menu__content-overview o-mega-menu__content-2-overview o-mega-menu__content-overview-heading o-mega-menu__content-2-overview-heading"> <a class="o-mega-menu__content-overview-link o-mega-menu__content-2-overview-link" href="/rules-policy/"> Rules & Policy Overview </a> </div> <div class="o-mega-menu__content-lists o-mega-menu__content-2-lists"> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Rules & Policy" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/rules-policy/final-rules/" > Final Rules </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/rules-policy/regulations/" > Interactive Regulations </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Rules & Policy" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/rules-policy/rules-under-development/" > Rules Under Development </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/rules-policy/notice-opportunities-comment/" > Notices and Opportunities to Comment </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/rules-policy/regulatory-agenda/" > Regulatory Agenda </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/rules-policy/petitions-rulemaking/" > Petitions for Rulemaking </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Rules & Policy" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/rules-policy/competition-innovation/" > Competition and Innovation </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/rules-policy/advisory-committees/" > Advisory Committees </a> </li> </ul> </div> </div> </div> </div> </div> </li> <li class="o-mega-menu__content-item o-mega-menu__content-1-item" data-js-hook=behavior_flyout-menu> <a aria-haspopup="menu" class="o-mega-menu__content-link o-mega-menu__content-1-link o-mega-menu__content-link--has-children o-mega-menu__content-1-link--has-children" data-js-hook="behavior_flyout-menu_trigger" href="/enforcement/"> <div aria-level="2" role="heading"> Enforcement <span class="o-mega-menu__content-link-icon-post o-mega-menu__content-1-link-icon-post"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.02 1.02 0 0 1-.727.302z"></path></svg></span> <span class="o-mega-menu__content-link-icon-closed o-mega-menu__content-1-link-icon-closed"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.03 1.03 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.03 1.03 0 0 1-.728.302"></path></svg></span> <span class="o-mega-menu__content-link-icon-open o-mega-menu__content-1-link-icon-open"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.03 1.03 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span> </div> </a> <div class="o-mega-menu__content o-mega-menu__content-2" role="navigation" data-js-hook="behavior_flyout-menu_content"> <button class="o-mega-menu__content-alt-trigger o-mega-menu__content-2-alt-trigger" data-js-hook="behavior_flyout-menu_trigger"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.03 1.03 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg> Back </button> <div class="o-mega-menu__content-wrapper o-mega-menu__content-2-wrapper"> <div class="o-mega-menu__content-overview o-mega-menu__content-2-overview o-mega-menu__content-overview-heading o-mega-menu__content-2-overview-heading"> <a class="o-mega-menu__content-overview-link o-mega-menu__content-2-overview-link" href="/enforcement/"> Enforcement Overview </a> </div> <div class="o-mega-menu__content-lists o-mega-menu__content-2-lists"> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Enforcement" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/enforcement/actions/" > Enforcement Actions </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/enforcement/enforcement-by-the-numbers/" > Enforcement by the Numbers </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/enforcement/investigatory-authority/" > Investigatory Authority </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Enforcement" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/enforcement/warning-letters/" > Warning Letters </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/enforcement/payments-harmed-consumers/" > Payments to Harmed Consumers </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/enforcement/information-industry-whistleblowers/" > Industry Whistleblowers </a> </li> </ul> </div> </div> </div> </div> </div> </li> <li class="o-mega-menu__content-item o-mega-menu__content-1-item" data-js-hook=behavior_flyout-menu> <a aria-haspopup="menu" class="o-mega-menu__content-link o-mega-menu__content-1-link o-mega-menu__content-link--has-children o-mega-menu__content-1-link--has-children" data-js-hook="behavior_flyout-menu_trigger" href="/compliance/"> <div aria-level="2" role="heading"> Compliance <span class="o-mega-menu__content-link-icon-post o-mega-menu__content-1-link-icon-post"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.02 1.02 0 0 1-.727.302z"></path></svg></span> <span class="o-mega-menu__content-link-icon-closed o-mega-menu__content-1-link-icon-closed"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.03 1.03 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.03 1.03 0 0 1-.728.302"></path></svg></span> <span class="o-mega-menu__content-link-icon-open o-mega-menu__content-1-link-icon-open"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.03 1.03 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span> </div> </a> <div class="o-mega-menu__content o-mega-menu__content-2" role="navigation" data-js-hook="behavior_flyout-menu_content"> <button class="o-mega-menu__content-alt-trigger o-mega-menu__content-2-alt-trigger" data-js-hook="behavior_flyout-menu_trigger"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.03 1.03 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg> Back </button> <div class="o-mega-menu__content-wrapper o-mega-menu__content-2-wrapper"> <div class="o-mega-menu__content-overview o-mega-menu__content-2-overview o-mega-menu__content-overview-heading o-mega-menu__content-2-overview-heading"> <a class="o-mega-menu__content-overview-link o-mega-menu__content-2-overview-link" href="/compliance/"> Compliance Overview </a> </div> <div class="o-mega-menu__content-lists o-mega-menu__content-2-lists"> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Compliance" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/compliance/compliance-resources/" > Compliance Resources </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/compliance/advisory-opinion-program/" > Advisory Opinion Program </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/compliance/circulars/" > Consumer Financial Protection Circulars </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Compliance" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/compliance/supervision-examinations/" > Supervision and Examinations </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/compliance/supervisory-highlights/" > Supervisory Highlights </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/compliance/supervisory-guidance/" > Supervisory Guidance </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Compliance" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/compliance/registration-and-submission-programs/" > Registration & Submission Programs </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/compliance/amicus/" > Amicus Program </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/compliance/consumer-complaint-program/" > Consumer Complaint Program </a> </li> </ul> </div> </div> </div> </div> </div> </li> <li class="o-mega-menu__content-item o-mega-menu__content-1-item" data-js-hook=behavior_flyout-menu> <a aria-haspopup="menu" class="o-mega-menu__content-link o-mega-menu__content-1-link o-mega-menu__content-link--has-children o-mega-menu__content-1-link--has-children" data-js-hook="behavior_flyout-menu_trigger" href="/data-research/"> <div aria-level="2" role="heading"> Data & Research <span class="o-mega-menu__content-link-icon-post o-mega-menu__content-1-link-icon-post"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.02 1.02 0 0 1-.727.302z"></path></svg></span> <span class="o-mega-menu__content-link-icon-closed o-mega-menu__content-1-link-icon-closed"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.03 1.03 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.03 1.03 0 0 1-.728.302"></path></svg></span> <span class="o-mega-menu__content-link-icon-open o-mega-menu__content-1-link-icon-open"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.03 1.03 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span> </div> </a> <div class="o-mega-menu__content o-mega-menu__content-2" role="navigation" data-js-hook="behavior_flyout-menu_content"> <button class="o-mega-menu__content-alt-trigger o-mega-menu__content-2-alt-trigger" data-js-hook="behavior_flyout-menu_trigger"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.03 1.03 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg> Back </button> <div class="o-mega-menu__content-wrapper o-mega-menu__content-2-wrapper"> <div class="o-mega-menu__content-overview o-mega-menu__content-2-overview o-mega-menu__content-overview-heading o-mega-menu__content-2-overview-heading"> <a class="o-mega-menu__content-overview-link o-mega-menu__content-2-overview-link" href="/data-research/"> Data & Research Overview </a> </div> <div class="o-mega-menu__content-lists o-mega-menu__content-2-lists"> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Data & Research" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/research-reports/" > Reports </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/research-hub/" > Research Hub </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/consumer-complaints/" > Consumer Complaint Database </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/hmda/" > Mortgage Database (HMDA) </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/small-business-lending/" > Small Business Lending Database </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Data & Research" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/public-data-inventory/" > Public Data Inventory </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/consumer-credit-trends/" > Consumer Credit Trends </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/mortgage-performance-trends/" > Mortgage Performance Trends </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/financial-well-being-survey-data/" > Financial Well-Being Survey </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="Data & Research" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/credit-card-data/" > Credit Card Surveys & Agreements </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/prepaid-accounts/" > Prepaid Account Agreements </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/nbr-submission/" > Nonbank Registry </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list o-mega-menu__content-list--featured o-mega-menu__content-2-list--featured"> <div role="heading" aria-level="3" class="h5 o-mega-menu__group-heading"> Featured </div> <ul aria-label="Featured"> <li class="o-mega-menu__content-item o-mega-menu__content-2-item o-mega-menu__content-item--has-icon o-mega-menu__content-2-item--has-icon"> <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/data-research/financial-well-being-survey-data/"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--favorite" viewBox="0 0 17 19"><path d="m12.673 10.779.798 4.02c.221 1.11-.407 1.566-1.395 1.013L8.5 13.81l-3.576 2.002c-.988.553-1.616.097-1.395-1.013l.397-2.001.401-2.02-1.51-1.397-1.498-1.385c-.832-.769-.592-1.507.532-1.64l2.026-.24 2.044-.242 1.717-3.722c.474-1.028 1.25-1.028 1.724 0l1.717 3.722 2.044.242 2.026.24c1.124.133 1.364.871.533 1.64L14.184 9.38z"/></svg> <span><span class="a-link__text">Help advance financial well-being</span></span> </a> </li> </ul> </div> </div> </div> </div> </div> </li> <li class="o-mega-menu__content-item o-mega-menu__content-1-item" data-js-hook=behavior_flyout-menu> <a aria-haspopup="menu" class="o-mega-menu__content-link o-mega-menu__content-1-link o-mega-menu__content-link--has-children o-mega-menu__content-1-link--has-children" data-js-hook="behavior_flyout-menu_trigger" href="#"> <div aria-level="2" role="heading"> News <span class="o-mega-menu__content-link-icon-post o-mega-menu__content-1-link-icon-post"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--right" viewbox="0 0 10 19" xmlns="http://www.w3.org/2000/svg"><path d="M1.6 17.262a1.03 1.03 0 0 1-.728-1.757l6.073-6.073L.872 3.36a1.03 1.03 0 0 1 1.455-1.455l6.8 6.8a1.03 1.03 0 0 1 0 1.456l-6.8 6.8a1.02 1.02 0 0 1-.727.302z"></path></svg></span> <span class="o-mega-menu__content-link-icon-closed o-mega-menu__content-1-link-icon-closed"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--down" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M8.5 15.313a1.03 1.03 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.03 1.03 0 0 1-.728.302"></path></svg></span> <span class="o-mega-menu__content-link-icon-open o-mega-menu__content-1-link-icon-open"><svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--up" viewbox="0 0 17 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.3 15.32a1.03 1.03 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"></path></svg></span> </div> </a> <div class="o-mega-menu__content o-mega-menu__content-2" role="navigation" data-js-hook="behavior_flyout-menu_content"> <button class="o-mega-menu__content-alt-trigger o-mega-menu__content-2-alt-trigger" data-js-hook="behavior_flyout-menu_trigger"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--left" viewBox="0 0 10 19"><path d="M8.4 17.269a1.03 1.03 0 0 1-.727-.302l-6.801-6.8a1.03 1.03 0 0 1 0-1.456l6.8-6.8a1.03 1.03 0 0 1 1.456 1.455L3.055 9.439l6.073 6.073A1.03 1.03 0 0 1 8.4 17.27z"/></svg> Back </button> <div class="o-mega-menu__content-wrapper o-mega-menu__content-2-wrapper"> <div class="o-mega-menu__content-lists o-mega-menu__content-2-lists"> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="News" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/about-us/newsroom/?categories=press-release" > Press Releases </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/about-us/newsroom/?categories=op-ed&categories=speech" > Speeches & Op-eds </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/about-us/newsroom/?categories=testimony" > Testimony </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/about-us/newsroom/?categories=directors-statement" > Statements </a> </li> </ul> </div> </div> <div class="o-mega-menu__content-list-group o-mega-menu__content-2-list-group"> <div class="o-mega-menu__content-list o-mega-menu__content-2-list"> <ul aria-label="News" > <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/about-us/blog/" > Blog </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/about-us/blog/?categories=directors-notebook" > Director’s Notebook </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/activity-log/" > Recent Updates </a> </li> <li class="o-mega-menu__content-item o-mega-menu__content-2-item" > <a class="o-mega-menu__content-link o-mega-menu__content-2-link" href="/about-us/newsroom/?categories=consumer-advisories" > Consumer Advisories </a> </li> </ul> </div> </div> </div> </div> </div> </li> </ul> </div> </div> </div> </div> <div class="m-global-eyebrow m-global-eyebrow--list"> <div class="wrapper "> <div class="m-global-eyebrow__actions"> <ul class="m-list m-list--horizontal m-global-eyebrow__languages"> <li class="m-list__item"> <a href="/es/" hreflang="es" lang="es"> Español </a> </li> <li class="m-list__item"> <a href="/language/zh/" hreflang="zh" lang="zh"> 中文 </a> </li> <li class="m-list__item"> <a href="/language/vi/" hreflang="vi" lang="vi"> Tiếng Việt </a> </li> <li class="m-list__item"> <a href="/language/ko/" hreflang="ko" lang="ko"> 한국어 </a> </li> <li class="m-list__item"> <a href="/language/tl/" hreflang="tl" lang="tl"> Tagalog </a> </li> <li class="m-list__item"> <a href="/language/ru/" hreflang="ru" lang="ru"> Pусский </a> </li> <li class="m-list__item"> <a href="/language/ar/" hreflang="ar" lang="ar"> العربية </a> </li> <li class="m-list__item"> <a href="/language/ht/" hreflang="ht" lang="ht"> Kreyòl Ayisyen </a> </li> </ul> <span class="m-global-eyebrow__phone"> <a href="tel:+1-855-411-2372">(855) 411-2372</a> </span> </div> </div> </div> </div> </nav> </div> </div> </header> <main class="u-layout-grid u-layout-grid--1-3 " id="main" > <div class="u-layout-grid__wrapper"> <aside class="u-layout-grid__secondary-nav"> <nav class="o-secondary-nav " aria-label="Section navigation"> <button class="o-secondary-nav__header" type="button" aria-expanded="false"> <span class="o-secondary-nav__label"> Navigate this section </span> <span class="o-secondary-nav__cues"> <span class="o-secondary-nav__cue-open" aria-label="Show"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--down" viewBox="0 0 17 19"><path d="M8.5 15.313a1.03 1.03 0 0 1-.728-.302l-6.8-6.8a1.03 1.03 0 0 1 1.455-1.456L8.5 12.828l6.073-6.073a1.03 1.03 0 0 1 1.455 1.456l-6.8 6.8a1.03 1.03 0 0 1-.728.302"/></svg> </span> <span class="o-secondary-nav__cue-close" aria-label="Hide"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--up" viewBox="0 0 17 19"><path d="M15.3 15.32a1.03 1.03 0 0 1-.727-.302L8.5 8.946l-6.073 6.072a1.03 1.03 0 0 1-1.456-1.455l6.801-6.8a1.03 1.03 0 0 1 1.456 0l6.8 6.8a1.03 1.03 0 0 1-.727 1.757z"/></svg> </span> </span> </button> <div class="o-secondary-nav__content"> <ul class="o-secondary-nav__list o-secondary-nav__list--parents"> <li data-nav-is-active="True"> <a class="o-secondary-nav__link o-secondary-nav__link--parent o-secondary-nav__link--current" > Privacy </a> <ul class="o-secondary-nav__list o-secondary-nav__list--children"><li> <a class="o-secondary-nav__link " href=/privacy/privacy-impact-assessments/> Privacy Impact Assessments </a> </li><li> <a class="o-secondary-nav__link " href=/privacy/system-records-notices/> System of Records Notices </a> </li><li> <a class="o-secondary-nav__link " href=/privacy/privacy-policy/> Privacy Policy </a> </li><li> <a class="o-secondary-nav__link " href=/privacy/website-privacy-policy/> Website Privacy Policy and Legal Notices </a> </li><li> <a class="o-secondary-nav__link " href=/privacy/privacy-policy-non-us-citizens/> Privacy Policy for Non-U.S. Citizens </a> </li><li> <a class="o-secondary-nav__link " href=/privacy/amending-and-correcting-records-under-privacy-act/> Amending and Correcting Records under the Privacy Act </a> </li><li> <a class="o-secondary-nav__link " href=/privacy/file-privacy-complaint/> File a Privacy Complaint </a> </li> </ul></li> </ul> </div> </nav> </aside> <div class="u-layout-grid__main" id="content__main"> <div class="block block--flush-top"> <h1>Privacy</h1> <div class="lead-paragraph"> <p data-block-key="gefvd">We collect only the minimum amount of personally identifiable information (PII) we need, whether it is to assist with your issue or to work on consumer issues broadly.</p> </div> <p data-block-key="hehfx"><a class="a-link" href="https://obamawhitehouse.archives.gov/sites/default/files/omb/memoranda/2017/m-17-12_0.pdf"><span class="a-link__text">Personally identifiable information</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> is defined as "information that can be used to distinguish or trace an individual's identity, either alone or when combined with other information that is linked or linkable to a specific individual."</p><p data-block-key="3jblk">Before we collect PII we tell you what we are collecting, why we are collecting it, and how we are going to use it. We work to ensure that the PII we have about you is accurate, relevant, timely, and complete.</p> </div> <div class="block block--flush-top"> <div class="o-info-unit-group" id="our-work" > <h2 id="our-work">Our work</h2> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="privacy-impact-assessments-pias">Privacy Impact Assessments (PIAs)</h3> </div><div class="m-info-unit__content"> <p data-block-key="kn5z3">Privacy Impact Assessments (PIAs) identify and mitigate privacy risks. We conduct our PIAs using a standard template based on a series of questions about how we ensure consistency with each principle.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/privacy-impact-assessments/"> <span class="a-link__text">Browse Privacy Impact Assessments</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="system-of-records-notices-sorns">System of Records Notices (SORNs)</h3> </div><div class="m-info-unit__content"> <p data-block-key="id1oi">System of Records Notices (SORNs) describe personal information that we receive, why we receive it, how we use it, and why and how we may share it.<br/></p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/system-records-notices/"> <span class="a-link__text">Browse System of Records Notices</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="privacy-policy">Privacy policy</h3> </div><div class="m-info-unit__content"> <p data-block-key="uritm">The Bureau can be more effective in its mission where trust exists between consumers and the agency that works to protect them. At the CFPB, the Chief Privacy Officer leads the Privacy Team in building and maintaining that trust, and is responsible for all of the CFPB’s privacy compliance and operational activities. The privacy policy highlights our commitment to privacy.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/privacy-policy/"> <span class="a-link__text">Read our privacy policy</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="website-privacy-policy-and-legal-notices">Website privacy policy and legal notices</h3> </div><div class="m-info-unit__content"> <p data-block-key="yi5eo">We take protecting your personal digital privacy extremely seriously. We have outlined consumerfinance.gov policies and procedures on the collection, use, and disclosure of your information.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/digital-privacy-policy/"> <span class="a-link__text">Read our website privacy policy and legal notices</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="privacy-policy-for-non-us-citizens">Privacy policy for non-U.S. citizens</h3> </div><div class="m-info-unit__content"> <p data-block-key="p364j">As a matter of discretion, the CFPB will treat any PII that it maintains in its mixed systems of records as being subject to the provisions of the Privacy Act, regardless of whether or not the information relates to U.S. persons covered by the Privacy Act.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/privacy-policy-non-us-citizens/"> <span class="a-link__text">Learn more about our privacy policy for non-U.S. persons</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="amend-information-on-record">Amend information on record</h3> </div><div class="m-info-unit__content"> <p data-block-key="8zvwl">If you know or suspect that the CFPB has information about you that is inaccurate, irrelevant, untimely, or incomplete, the Privacy Act allows you to request that the information be corrected or amended.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/amending-and-correcting-records-under-privacy-act/"> <span class="a-link__text">Learn how to amend information on record</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="file-a-privacy-complaint">File a privacy complaint</h3> </div><div class="m-info-unit__content"> <p data-block-key="61uu4">We take your privacy seriously, and have created a process by which you can formally file a complaint with our Chief Privacy Officer.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/file-privacy-complaint/"> <span class="a-link__text">File a privacy complaint</span> </a> </li> </ul> </div> </div> </div> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="disclosures-of-records-and-information">Disclosures of records and information</h3> </div><div class="m-info-unit__content"> <p data-block-key="y4skh">Read the final rule that established procedures for the public to obtain information from the CFPB, and learn how to submit your request and consent forms.<br/></p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/policy-compliance/rulemaking/final-rules/disclosure-records-and-information-1/"> <span class="a-link__text">Disclosure of records and information</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/policy-compliance/rulemaking/final-rules/disclosure-records-and-information-1/"> <span class="a-link__text">Exemptions to the Privacy Act</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/policy-compliance/rulemaking/final-rules/disclosure-records-and-information-1/"> <span class="a-link__text">Privacy Act implementation rules</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/records-access/"> <span class="a-link__text">Request for individual access to records</span> </a> </li> <li class="m-list__item"><a class="a-link a-link--jump" href="/privacy/disclosure-consent/"aria-label="/privacy/records-access/"> <span class="a-link__text">Consent for disclosure of records</span> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <aside class="o-prefooter"> <div class="block block--flush-top"> <div class="m-related-posts"> <header class="m-slug-header"> <h2 class="m-slug-header__heading"> Further reading </h2> </header> <div class="m-related-posts__list-container"> <h3 class="h4"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--speech-bubble" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.11 1.11 0 0 1-1.108 1.108h-.792v1.762c0 .262-.182.362-.403.224L8.546 13.67h-6.47a1.11 1.11 0 0 1-1.108-1.108V5.286a1.11 1.11 0 0 1 1.108-1.108h10.848a1.11 1.11 0 0 1 1.108 1.108m-1.9 1.677H2.868V8.07h9.264zm0 2.843H2.868v1.108h9.264z"/></svg> Blog </h3> <ul class="m-related-posts__list m-list m-list--unstyled"> <li class="m-list__item"> <h3 class="h4 u-mb5"> <a class="m-list__link" href="/about-us/blog/cfpb-launches-public-comment-process-for-open-banking-standard-setter-recognition/"> CFPB launches public comment process for open banking standard setter recognition </a> </h3> <p class="a-date"> <span class="datetime"><time datetime="2024-09-24T00:00:00">SEP 24, 2024</time></span> </p> </li> <li class="m-list__item"> <h3 class="h4 u-mb5"> <a class="m-list__link" href="/about-us/blog/shining-a-spotlight-on-workers-financial-experiences/"> Shining a Spotlight on Workers’ Financial Experiences </a> </h3> <p class="a-date"> <span class="datetime"><time datetime="2022-03-09T00:00:00">MAR 09, 2022</time></span> </p> </li> <li class="m-list__item"> <h3 class="h4 u-mb5"> <a class="m-list__link" href="/about-us/blog/what-to-consider-when-sharing-your-financial-data/"> What to consider when sharing your financial data </a> </h3> <p class="a-date"> <span class="datetime"><time datetime="2020-07-24T00:00:00">JUL 24, 2020</time></span> </p> </li> </ul> </div> <div class="m-related-posts__list-container"> <h3 class="h4"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--newspaper" viewBox="0 0 15 19"><path d="M2.644 15.26a17 17 0 0 1-.706-.014l-.11-.025a1.51 1.51 0 0 1-1.14-1.185l-.018-.092c-.005-.106-.01-.406-.01-.667V4.434a.477.477 0 0 1 .476-.475H11.77a.476.476 0 0 1 .475.475v1.529h1.591a.506.506 0 0 1 .504.504v7.192a1.6 1.6 0 0 1-1.6 1.6zm0-1.109h8.572a1.6 1.6 0 0 1-.077-.491v-2.174l-.003-.109v-6.31H1.769v8.21c0 .218.003.43.006.544l.002.008a.4.4 0 0 0 .3.312l.01.002c.133.004.358.008.557.008M9.91 6.815H2.95v1.109h6.96zm-4 2.383H2.95v3.532h2.96zm4.002.026H7.033v1.109h2.878zm0 2.41H7.033v1.108h2.878zm2.336-4.563v6.589a.492.492 0 0 0 .984 0V7.07z"/></svg> Newsroom </h3> <ul class="m-related-posts__list m-list m-list--unstyled"> <li class="m-list__item"> <h3 class="h4 u-mb5"> <a class="m-list__link" href="/about-us/newsroom/cfpb-report-details-carveouts-for-financial-institutions-in-state-data-privacy-laws/"> CFPB Report Details Carveouts for Financial Institutions in State Data Privacy Laws </a> </h3> <p class="a-date"> <span class="datetime"><time datetime="2024-11-12T00:00:00">NOV 12, 2024</time></span> </p> </li> <li class="m-list__item"> <h3 class="h4 u-mb5"> <a class="m-list__link" href="/about-us/newsroom/statement-of-director-rohit-chopra-on-the-cfpbs-report-on-state-consumer-privacy-laws/"> Statement of Director Rohit Chopra on the CFPB’s Report on State Consumer Privacy Laws </a> </h3> <p class="a-date"> <span class="datetime"><time datetime="2024-11-12T00:00:00">NOV 12, 2024</time></span> </p> </li> <li class="m-list__item"> <h3 class="h4 u-mb5"> <a class="m-list__link" href="/about-us/newsroom/cfpb-takes-action-to-curb-unchecked-worker-surveillance/"> CFPB Takes Action to Curb Unchecked Worker Surveillance </a> </h3> <p class="a-date"> <span class="datetime"><time datetime="2024-10-24T00:00:00">OCT 24, 2024</time></span> </p> </li> </ul> </div> <a class="a-link a-link--jump" href="/activity-log/?topics=privacy" aria-label="View more related posts"> <span class="a-link__text"> View more </span> </a> </div> </div> <div class="block"> <div class="o-sidebar-contact-info"> <header class="m-slug-header"> <h2 class="m-slug-header__heading"> Contact Information </h2> </header> <div class="o-sidebar-contact-info__content"> <h3>Privacy</h3> <p data-block-key="dhtju">We hold ourselves accountable for appropriately handling any personally identifiable information we collect. We train all our employees so they know how to ensure that your information is protected. Let us know if you have questions about our privacy program or how we handle information.</p><h4 data-block-key="yvch1">Senior Agency Official for Privacy</h4><p data-block-key="42yc5">Kathryn Fong<br/></p> </div> <div class="m-contact m-contact-email"> <span class="h5"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--email" viewBox="0 0 17 19"><path d="M16.417 6.823v7.809a.557.557 0 0 1-.556.555H1.139a.557.557 0 0 1-.556-.555V6.823a.557.557 0 0 1 .556-.555h14.722a.557.557 0 0 1 .556.555m-14.722.92v6.146l4.463-2.89zm12.223-.364H3.082l4.463 3.257a1.78 1.78 0 0 0 1.91 0zM3.45 14.076h10.096L9.864 11.69a2.93 2.93 0 0 1-2.728 0zm11.855-.184v-6.15L10.842 11z"/></svg> Email </span> <p> <a href="mailto:privacy@consumerfinance.gov"> privacy@consumerfinance.gov </a><br> </p> </div> <div class="m-contact m-contact-phone"> <span class="h5"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--phone" viewBox="0 0 16 19"><path d="M14.654 5.775 9.94 8.499l-.118-.204a2.13 2.13 0 0 1-.283-1.092 16.4 16.4 0 0 0-4.873 2.825 2.1 2.1 0 0 1 .795.785l.119.204-4.716 2.724-.118-.204a2.43 2.43 0 0 1 .481-2.881A16 16 0 0 1 5.97 6.61a15.8 15.8 0 0 1 6.076-2.11 3 3 0 0 1 .397-.035l.062-.004v.004a2.31 2.31 0 0 1 2.031 1.106zM1.417 14.7l4.716-2.724.249.432a.606.606 0 0 1-.22.825l-3.67 2.12a.606.606 0 0 1-.825-.221zm14.04-7.535a.606.606 0 0 1-.22.826l-3.67 2.12a.606.606 0 0 1-.825-.222l-.25-.431 4.716-2.724z"/></svg> Phone</span> <p> <a href="tel:2027308960">(202) 730-8960</a> </p> </div> </div> </div> </aside> </div> </div> </main> <footer class="o-footer"> <div class="wrapper wrapper--match-content"> <div class="o-footer__pre"> <a class="a-btn a-btn--secondary o-footer__top-button" data-gtm_ignore="true" data-js-hook="behavior_return-to-top" href="#"> Back to top <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--arrow-up" viewbox="0 0 13 19" xmlns="http://www.w3.org/2000/svg"><path d="M11.744 8.815a1.03 1.03 0 0 1-1.456 0L7.53 6.055v9.529a1.03 1.03 0 1 1-2.058 0V6.055l-2.76 2.76a1.029 1.029 0 0 1-1.455-1.456l4.516-4.516a1.03 1.03 0 0 1 1.456 0l4.516 4.516a1.03 1.03 0 0 1 0 1.456z"></path></svg> </a> <ul class="o-footer__nav-list m-list"> <li class="m-list__item"> <a class="m-list__link" href="/about-us/"> About Us </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/about-us/contact-us/"> Contact Us </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/about-us/careers/"> Careers </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/about-us/events/"> Events </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/enforcement/information-industry-whistleblowers/"> Industry Whistleblowers </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/cfpb-ombudsman/"> CFPB Ombudsman </a> </li> </ul> <div class="block block--flush-top block--flush-bottom block--padded-top"> <div class="m-social-media m-social-media--follow"> <ul class="m-list m-list--unstyled m-list--horizontal m-social-media__icons"> <li class="m-list__item"> <a aria-label="Visit us on Facebook" class="m-social-media__icon" href="https://www.facebook.com/CFPB"> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--facebook-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.917 17.5H.083V1.665h15.834zm-2.885-7.887a5.032 5.032 0 1 0-5.818 4.971v-3.516H5.936V9.613h1.278V8.505a1.776 1.776 0 0 1 1.9-1.958 8 8 0 0 1 1.127.098v1.239h-.635a.727.727 0 0 0-.82.785v.944h1.396l-.223 1.455H8.786v3.516a5.03 5.03 0 0 0 4.246-4.97z"></path></svg> </a> </li> <li class="m-list__item"> <a aria-label="Visit us on X" class="m-social-media__icon" href="https://x.com/CFPB"> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--x-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.9 1.7v15.8H0V1.7h15.8zM8.8 8.8 12.1 5h-.8L8.5 8.3 6.2 5H3.6L7 10l-3.4 4h.8l3-3.5L9.8 14h2.6zm-1 1.2-.3-.5-2.8-4h1.2l2.2 3.2.3.5 2.9 4.2h-1.2L7.7 10z"></path></svg> </a> </li> <li class="m-list__item"> <a aria-label="Visit us on LinkedIn" class="m-social-media__icon" href="https://www.linkedin.com/company/consumer-financial-protection-bureau"> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--linkedin-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.917 17.5H.083V1.666h15.834zM5.77 6.427a.96.96 0 0 0-1.032-.96.962.962 0 1 0-.025 1.92h.013a.963.963 0 0 0 1.044-.96m-.123 1.719H3.803v5.552h1.845zm6.658 2.368c0-1.705-.91-2.5-2.125-2.5a1.83 1.83 0 0 0-1.663.917v-.786H6.67c.025.52 0 5.554 0 5.554h1.848v-3.102a1.3 1.3 0 0 1 .06-.45 1.01 1.01 0 0 1 .946-.676c.67 0 .936.51.936 1.256V13.7h1.846zm-3.8-1.564.013-.019v.019z"></path></svg> </a> </li> <li class="m-list__item"> <a aria-label="Visit us on YouTube" class="m-social-media__icon" href="https://www.youtube.com/user/cfpbvideo"> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--youtube-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.917 17.5H.083V1.665h15.834zM13.072 7.013a1.33 1.33 0 0 0-.934-.94 31 31 0 0 0-4.125-.221 31 31 0 0 0-4.125.222 1.33 1.33 0 0 0-.933.94 14 14 0 0 0-.221 2.557 14 14 0 0 0 .22 2.558 1.33 1.33 0 0 0 .934.94 31 31 0 0 0 4.125.222 31 31 0 0 0 4.125-.223 1.33 1.33 0 0 0 .934-.94 14 14 0 0 0 .22-2.557 14 14 0 0 0-.22-2.558m-3.434 2.57L6.932 8.045v3.079z"></path></svg> </a> </li> <li class="m-list__item"> <a aria-label="Visit us on Flickr" class="m-social-media__icon" href="https://www.flickr.com/photos/cfpbphotos"> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--flickr-square" viewbox="0 0 16 19" xmlns="http://www.w3.org/2000/svg"><path d="M15.917 1.666v15.833H.083V1.666zM7.342 9.583a2.588 2.588 0 1 0-2.589 2.588 2.59 2.59 0 0 0 2.588-2.588zm6.491 0a2.587 2.587 0 1 0-2.588 2.588 2.59 2.59 0 0 0 2.588-2.588"></path></svg> </a> </li> </ul> </div> </div> </div> <div class="o-footer-middle-left"> <div class="o-footer__col"> <ul class="o-footer__list m-list"> <li class="m-list__item"> <a class="m-list__link" href="/foia-requests/"> FOIA </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/privacy/"> Privacy </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/privacy/website-privacy-policy/"> Website Privacy Policy & Legal Notices </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/data/"> Data </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/open-government/"> Open Government </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/open-government/information-quality-guidelines/"> Information Quality Guidelines </a> </li> </ul> </div> <div class="o-footer__col"> <ul class="o-footer__list m-list"> <li class="m-list__item"> <a class="m-list__link" href="/about-us/diversity-and-inclusion/"> Diversity & Inclusion </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/administrative-adjudication-proceedings/"> Administrative Adjudication </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/plain-writing/"> Plain Writing </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/accessibility/"> Accessibility </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/office-civil-rights/"> Office of Civil Rights </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/office-civil-rights/no-fear-act-cummings-act/"> No FEAR Act & Cummings Act </a> </li> <li class="m-list__item"> <a class="m-list__link" href="/tribal/"> Tribal </a> </li> </ul> </div> </div> <div class="o-footer-middle-right"> <ul class="o-footer__list m-list"> <li class="m-list__item"> <a class="m-list__link a-link" href="https://www.usa.gov/"><span class="a-link__text">USA.gov</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li> <li class="m-list__item"> <a class="m-list__link a-link" href="https://oig.federalreserve.gov/"><span class="a-link__text">Office of Inspector General</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--external-link" viewbox="0 0 14 19" xmlns="http://www.w3.org/2000/svg"><path d="M13.017 3.622v4.6a.554.554 0 0 1-1.108 0V4.96L9.747 7.122a1.7 1.7 0 0 1 .13.646v5.57A1.664 1.664 0 0 1 8.215 15h-5.57a1.664 1.664 0 0 1-1.662-1.663v-5.57a1.664 1.664 0 0 1 1.662-1.662h5.57A1.65 1.65 0 0 1 9 6.302l2.126-2.126H7.863a.554.554 0 1 1 0-1.108h4.6a.554.554 0 0 1 .554.554M8.77 8.1l-2.844 2.844a.554.554 0 0 1-.784-.783l2.947-2.948H2.645a.555.555 0 0 0-.554.555v5.57a.555.555 0 0 0 .554.553h5.57a.555.555 0 0 0 .554-.554z"></path></svg></a> </li> </ul> </div> <div class="o-footer-post"> <div class="a-tagline a-tagline--large" aria-label="Official website of the United States government"> <span class="u-usa-flag"></span> <div class="a-tagline__text"> An official website of the <span class="u-nowrap">United States government</span> </div> </div> </div> </div> </footer> <script> if ( window.fetch ) { !function(){ var s = [ '/static/js/routes/common.a0c3b2bb4f14.js' ]; jsl(s); }(); } </script> <script> jsl(['/static/js/routes/on-demand/secondary-nav.8a5625913ae7.js']); </script> </body> </html>

CINXE.COM

Privacy | Consumer Financial Protection Bureau