CINXE.COM
Administrative Adjudication Proceedings | 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":373,"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-1.274.0.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="1.274.0",i="PROD",o="CDN",a="^2.0.0-alpha.17"},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]+"-1.274.0.min.js"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.274.0.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-Sx2xJQrHp2m/Ngn/ZcfBCUwNr2Xy/C5urYtWpfm3bWpil4spXOQGTtNwIfF5HvPGioGASn9QTyE4Z+zC7r7wcg==",222:"sha512-hMte3OWgwwYeisSiD7WCIx/6tT16zLaPjag9uF4tIZp7ybOvrJKbeyzhe4fz1tDbkdcdOMm8dvgPPLBatSAGeA==",95:"sha512-MPaT9dkHv16XzwEUVZPyqpN1do/Er1XFAZoIAPYWylmv+iGIThqN+GwQq27pUyAX7sNXVJQVZezH96p53Ks3Pg=="};(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-1.274.0.PROD"]=self["webpackChunk:NRBA-1.274.0.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,8589));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>Administrative Adjudication Proceedings | Consumer Financial Protection Bureau</title> <meta name="template" content="v1/browse-basic/index.html"> <meta name="description" content=" Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the CFPB director. The director issues a final decision, either adopting or modifying the administrative law judge’s recommended decision. "> <link rel="canonical" href="https://www.consumerfinance.gov/administrative-adjudication-proceedings/"> <meta property="og:url" content="https://www.consumerfinance.gov/administrative-adjudication-proceedings/"> <meta property="og:title" content="Administrative Adjudication Proceedings | 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="Administrative Adjudication Proceedings"> <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.1bf4f6355bdd.css"> <link rel="stylesheet" href="/static/css/on-demand/sidebar-contact-info.ef3985243ca0.css" /> <link rel="preload" href="/static/css/main.1bf4f6355bdd.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.b1f573de0ba1.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" > Administrative Adjudication Proceedings </a> <ul class="o-secondary-nav__list o-secondary-nav__list--children"><li> <a class="o-secondary-nav__link " href=/administrative-adjudication-proceedings/administrative-adjudication-docket/> Administrative Adjudication Docket </a> </li><li> <a class="o-secondary-nav__link " href=/administrative-adjudication-proceedings/administrative-proceeding-forms-and-information/> Administrative Proceeding Forms and Information </a> </li> </ul></li> </ul> </div> </nav> </aside> <div class="u-layout-grid__main" id="content__main"> <div class="block block--flush-top"> <h1>Administrative adjudication proceedings</h1> <div class="lead-paragraph"> <p data-block-key="vt68t">Administrative adjudication proceedings are formal adversarial proceedings conducted by an administrative law judge, who issues a recommended decision to the CFPB director. The director issues a final decision, either adopting or modifying the administrative law judge’s recommended decision. </p> </div> <p data-block-key="8voz0">The Bureau initiates an administrative adjudication proceeding by filing a Notice of Charges alleging a violation of a consumer protection statute. Unlike cases filed in federal court, administrative adjudication proceedings take place before an administrative agency tribunal. An administrative law judge presides over administrative adjudication proceedings in a fair, impartial, and expeditious manner and has a role similar to that of a trial judge. These proceedings operate in a manner similar to bench trials in federal district courts, although administrative adjudication proceedings have some differences including their evidentiary rules. The Office of Administrative Adjudication (OAA) maintains the official public record of all administrative proceedings. Proceedings are conducted in accordance with the Rules of Practice for Adjudication Proceedings.</p> <ul class="m-list m-list--links"> <li class="m-list__item"> <a class="a-link a-link--jump" href="https://www.federalregister.gov/documents/2022/02/22/2022-02863/rules-of-practice-for-adjudication-proceedings"><span class="a-link__text">Read the Rules of Practice for Adjudication Proceedings</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="block block--flush-top"> <div class="o-info-unit-group" > <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="our-docket">Our docket</h3> </div><div class="m-info-unit__content"> <p data-block-key="o8sed">The docket includes all public documents filed in administrative proceedings before the Office of Administrative Adjudication. </p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/administrative-adjudication-proceedings/administrative-adjudication-docket/"> <span class="a-link__text">View all documents filed with the OAA</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="forms-and-information-for-parties-of-administrative-proceedings">Forms and information for parties of administrative proceedings</h3> </div><div class="m-info-unit__content"> <p data-block-key="2sh8u">Access forms and further information about the administrative adjudication process and proceedings before the administrative law judge. </p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/administrative-adjudication-proceedings/administrative-proceeding-forms-and-information/"> <span class="a-link__text">Download forms</span> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <div class="block"> <div class="o-full-width-text-group"> <div class="m-full-width-text"> <h2 data-block-key="dv7sl">Administrative law judges</h2><p data-block-key="xpu39">Administrative law judges (ALJs) serve as independent, impartial triers of fact in formal proceedings requiring a decision on the record. Administrative law judges conduct formal hearings involving cases where all interested parties are given advance notice of a hearing; an opportunity to submit facts, arguments, offers of settlement, or proposals of adjustment; and an opportunity to be accompanied, represented, and advised by counsel or other qualified representatives. Administrative law judges at the Bureau are not subject to the supervision or direction of, or responsible to, any officer, employee, or agent engaged in the performance of investigative or prosecuting functions for the Bureau. Administrative law judges are appointed for life under the Administrative Procedure Act, 5 U.S.C. § 500 et seq., through a procedure administered by the Office of Personnel Management. Administrative law judges have complete judicial independence from the Bureau.</p><h3 data-block-key="r3v4f">Administrative law judge authority</h3><p data-block-key="1086k">The authority of United States administrative law judges comes from the Administrative Procedure Act of 1946 (APA), 5 U.S.C. § 500 et seq. The APA is designed to guarantee the decisional independence of administrative law judges and ensure fairness in administrative proceedings before federal government agencies.</p><p data-block-key="rfiy6">All direction and questions by the Bureau to the administrative law judge concerning any adjudication proceeding must appear in and be a part of the record. 12 C.F.R. § 1081.105(b). Administrative law judges are not rated by, evaluated, or given bonuses for their performance by any official of the Bureau. Bureau officials may not interfere with administrative law judges’ decision making, and administrative law judges may be discharged only for good cause established based upon a complaint filed with the Merit Systems Protection Board (MSPB) and determined after an APA hearing on the record before an MSPB judge.</p><h3 data-block-key="beubn">Administrative law judge powers</h3><p data-block-key="2o35l">The powers of an administrative law judge include the power:</p><p data-block-key="d4xxx"></p><ol><li data-block-key="zd8gd">To administer oaths and affirmations<br/></li><li data-block-key="w0nyr">To issue subpoenas, subpoenas duces tecum, and protective orders, and quash or modify any such subpoenas or orders<br/></li><li data-block-key="91gbp">To take depositions or cause depositions to be taken<br/></li><li data-block-key="2ydc2">To receive and rule upon the admission of evidence<br/></li><li data-block-key="17yn0">To regulate the course of a proceeding and the conduct of parties and their counsel<br/></li><li data-block-key="pe02v">To rule on the admissibility and confidentiality of written submissions<br/></li><li data-block-key="4roi0">To conduct conferences for settlement, simplification of issues, or any other proper purpose<br/></li><li data-block-key="51npq">To inform parties of the availability of alternative means of dispute resolution and encourage use of such methods<br/></li><li data-block-key="1kwj6">To certify questions to the director for his or her determination in accordance with the rules of practice for adjudication proceedings<br/></li><li data-block-key="wkh35">To consider and rule upon all procedural and other motions<br/></li><li data-block-key="6p43l">To issue and file recommended decisions<br/></li><li data-block-key="u1b7l">To recuse himself or herself as necessary<br/></li><li data-block-key="37j6q">To issue sanctions against parties or their counsel as necessary<br/></li><li data-block-key="wna3z">To do all other things necessary and appropriate to discharge the duties of a presiding hearing officer</li></ol><p data-block-key="8ls8o"></p><p data-block-key="altj9">12 C.F.R. § 1081.104</p><h3 data-block-key="vd5gq">Representing parties before an administrative law judge</h3><p data-block-key="ckha9"></p><ul><li data-block-key="y1631"><b>Attorneys</b>: Any attorney in good standing of the bar of the highest court of any State may represent a party in an administrative adjudication proceeding if such attorney is not currently suspended or debarred from practice before the Bureau or by a court of the United States or of any State.<br/></li><li data-block-key="axm9u"><b>Non-attorneys</b>: So long as such individual is not currently suspended or debarred from practice before the Bureau:</li></ul><ol><li data-block-key="vle8t">An individual may appear on his or her own behalf<br/></li><li data-block-key="rh3ks">A member of a partnership may represent the partnership<br/></li><li data-block-key="l9vvr">A duly authorized officer of a corporation, trust, or association may represent the corporation, trust, or association<br/></li><li data-block-key="nvr1p">A duly authorized officer or employee of any government unit, agency, or authority may represent that unit, agency, or authority<br/></li></ol><p data-block-key="730jh"></p><p data-block-key="9edyc"></p><ul><li data-block-key="nefg8"><b>Any individual acting as counsel</b> on behalf of a party shall file a notice of appearance.</li></ul><p data-block-key="lbizv"></p><p data-block-key="jmsaq">12 C.F.R. § 1081.107</p><h3 data-block-key="i0yja">Ex parte communications</h3><p data-block-key="86d5d">Ex parte communications with the administrative law judge are not allowed. An ex parte communication is any material oral or written communication relevant to the merits of an adjudication proceeding that is not made on the record or with reasonable prior notice to all the parties that takes place between interested persons not employed by the Bureau and the administrative law judge, director, or a decisional employee. A request for status of the proceeding does not constitute an ex parte communication. If an ex parte communication is received, its content shall be placed on the record of the proceeding. All parties shall be informed and have an opportunity to file responses thereto and recommend appropriate sanctions.</p><p data-block-key="p7q81">12 C.F.R. § 1081.110</p><h3 data-block-key="5y21f">Rules of evidence</h3><p data-block-key="5vdh6">Generally, evidence that is relevant, material, reliable, and not unduly repetitive is admissible in administrative hearings. Relevant evidence may be excluded, however, if its probative value is substantially outweighed by the danger of unfair prejudice or confusion of the issues; if it would be misleading; or based on considerations of undue delay, waste of time, or needless presentation of cumulative evidence. Evidence that constitutes hearsay may be admitted if it is relevant, material, and bears satisfactory indicia of reliability. Evidence that would be admissible under the Federal Rules of Evidence is admissible. Evidence that would be inadmissible under the Federal Rules of Evidence may not be deemed or ruled to be inadmissible solely on that basis. Official notice may be taken of any material fact that is not subject to reasonable dispute in that it is either generally known or capable of accurate and ready determination by resort to sources whose accuracy cannot reasonably be questioned.</p><p data-block-key="l8t54">A party is entitled to present its case or defense by sworn oral testimony and documentary evidence, to submit rebuttal evidence, and to conduct cross-examination as, in the discretion of the administrative law judge, may be required for a full and true disclosure of the facts.</p><p data-block-key="ynf4x"><br/></p><p data-block-key="kfz6d"></p><h3 data-block-key="6kahp">Please Note</h3><p data-block-key="0gk51">The Office of Administrative Adjudication is not authorized to receive or act upon consumer complaints about consumer financial products or services. Consumer <a href="https://www.consumerfinance.gov/complaint/">complaints can be submitted online</a> or by calling the CFPB toll-free at 855-411-CFPB (2372); TTY/TDD Phone 855-729-CFPB (2372).<br/></p><p data-block-key="zye7c"></p> </div> </div> </div> <aside class="o-prefooter"> <div class="block block--flush-top"> <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>Administrative adjudication docket clerk</h3> <p>Submit docket information for any ongoing administrative adjudication process, or request information related to the docket or the function of the CFPB’s administrative law judge (ALJ).</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:docketclerk@consumerfinance.gov"> docketclerk@consumerfinance.gov </a><br> </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.b1f573de0ba1.js' ]; jsl(s); }(); } </script> <script> jsl(['/static/js/routes/on-demand/secondary-nav.04f622a7132f.js']); </script> </body> </html>