CFPB Ombudsman | 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":3,"applicationTime":495,"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>CFPB Ombudsman | Consumer Financial Protection Bureau</title> <meta name="template" content="v1/browse-basic/index.html"> <meta name="description" content=" The CFPB Ombudsman’s Office is an independent, impartial, and confidential resource to help you informally resolve process issues arising from CFPB activities. "> <link rel="canonical" href="https://www.consumerfinance.gov/cfpb-ombudsman/"> <meta property="og:url" content="https://www.consumerfinance.gov/cfpb-ombudsman/"> <meta property="og:title" content="CFPB Ombudsman | 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="CFPB Ombudsman"> <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="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" > CFPB Ombudsman </a> <ul class="o-secondary-nav__list o-secondary-nav__list--children"><li> <a class="o-secondary-nav__link " href=/cfpb-ombudsman/ombudsman-charter/> Ombudsman Charter </a> </li><li> <a class="o-secondary-nav__link " href=/cfpb-ombudsman/ombudsman-resources/> Ombudsman Resources </a> </li><li> <a class="o-secondary-nav__link " href=/cfpb-ombudsman/ombudsman-annual-reports/> Ombudsman Reports </a> </li><li> <a class="o-secondary-nav__link " href=/cfpb-ombudsman/ombudsman-faqs/> Ombudsman FAQs </a> </li> </ul></li> </ul> </div> </nav> </aside> <div class="u-layout-grid__main" id="content__main"> <div class="block block--flush-top"> <h1>CFPB Ombudsman</h1> <div class="lead-paragraph"> <p data-block-key="h098v">The CFPB Ombudsman’s Office is an independent, impartial, and confidential resource to help you informally resolve process issues arising from CFPB activities.</p> </div> <p data-block-key="6m3j7"></p><p data-block-key="ld33a">You may want to contact the CFPB Ombudsman if you are a consumer, financial entity, consumer or trade group, or anyone else who has a process issue from interacting with the CFPB and you:</p><ul><li data-block-key="abdl8">have not resolved that issue after contacting the CFPB itself or</li><li data-block-key="u3pyw">want to share it with the CFPB Ombudsman in confidence</li></ul> </div> <div class="a-rule-break block block--sub"></div> <div class="block block--flush-top"> <div class="o-full-width-text-group"> <div class="m-full-width-text"> <h2 id="" data-block-key="btfzu">Our role</h2><p data-block-key="dyj9z">In keeping with ombudsman principles, we are:</p><h4 id="" data-block-key="79mxk">Independent</h4><p data-block-key="3zjqc">The CFPB Ombudsman reports to the CFPB’s Deputy Director with access to the Director. This reporting line ensures the Ombudsman’s independence within the CFPB. It also allows us to act as an early warning system and serve as a catalyst for change.</p><h4 id="" data-block-key="10iwt">Impartial</h4><p data-block-key="8ptsf">We do not advocate for one side, but for a fair process.</p><h4 id="" data-block-key="c30sy">Confidential</h4><p data-block-key="mjdha">We have put safeguards in place to preserve confidentiality. We will not share your identifying information outside the Ombudsman’s Office unless you tell us we can. We also may have to share it if there is a threat of imminent risk of serious harm, you have raised an issue of government fraud, waste, or abuse, or if required by law.</p> </div> </div> </div> <div class="block"> <div class="o-info-unit-group" id="our-work" > <h2 id="our-work">Our work</h2> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="faqs">FAQs</h3> </div><div class="m-info-unit__content"> <p data-block-key="rxt1o">Find answers to some of the most frequently asked questions about the CFPB Ombudsman’s Office.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/cfpb-ombudsman/ombudsman-faqs"> <span class="a-link__text">Browse our frequently asked questions</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="resources">Resources</h3> </div><div class="m-info-unit__content"> <p data-block-key="upyb3">Share our printable brochure and information sheet with your friends, family, and colleagues to introduce them to the CFPB Ombudsman’s Office.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/cfpb-ombudsman/ombudsman-resources"> <span class="a-link__text">View resources for download</span> </a> </li> </ul> </div> </div> </div> </div> <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="reports">Reports</h3> </div><div class="m-info-unit__content"> <p data-block-key="0pmiv">Our Office Charter requires that we submit an annual report to the CFPB Director no later than November 15 each year. This report includes information on systemic issues reviewed that year, our individual inquiry analysis, descriptions of our inreach and outreach activities, and more.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/cfpb-ombudsman/ombudsman-annual-reports/"> <span class="a-link__text">Read our reports</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="charter">Charter</h3> </div><div class="m-info-unit__content"> <p data-block-key="adjem">The CFPB Ombudsman’s Office Charter sets out how we do our work. It includes such topics as the ombudsman principles, office focus areas, access to people and information, and regular reporting.</p> <ul class="m-list m-list--links u-mt15"> <li class="m-list__item"><a class="a-link a-link--jump" href="/cfpb-ombudsman/ombudsman-charter"> <span class="a-link__text">Read the CFPB Ombudsman’s Office Charter</span> </a> </li> </ul> </div> </div> </div> </div> </div> </div> <aside class="o-prefooter"> <div class="block block--flush-top"> <div class="m-related-posts"> <header class="m-slug-header"> <h2 class="m-slug-header__heading"> Further reading </h2> </header> <div class="m-related-posts__list-container"> <h3 class="h4"> <svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--speech-bubble" viewBox="0 0 15 19"><path d="M14.032 5.286v7.276a1.11 1.11 0 0 1-1.108 1.108h-.792v1.762c0 .262-.182.362-.403.224L8.546 13.67h-6.47a1.11 1.11 0 0 1-1.108-1.108V5.286a1.11 1.11 0 0 1 1.108-1.108h10.848a1.11 1.11 0 0 1 1.108 1.108m-1.9 1.677H2.868V8.07h9.264zm0 2.843H2.868v1.108h9.264z"/></svg> Blog </h3> <ul class="m-related-posts__list m-list m-list--unstyled"> <li class="m-list__item"> <h3 class="h4 u-mb5"> <a class="m-list__link" href="/about-us/blog/cfpb-ombudsmans-office-2023-annual-report/"> CFPB ombudsman’s office 2023 annual report </a> </h3> <p class="a-date"> <span class="datetime"><time datetime="2023-11-30T00:00:00">NOV 30, 2023</time></span> </p> </li> <li class="m-list__item"> <h3 class="h4 u-mb5"> <a class="m-list__link" href="/about-us/blog/the-cfpb-ombudsmans-office-shares-its-fy2022-annual-report/"> The CFPB ombudsman’s office shares its FY2022 annual report </a> </h3> <p class="a-date"> <span class="datetime"><time datetime="2022-12-01T00:00:00">DEC 01, 2022</time></span> </p> </li> <li class="m-list__item"> <h3 class="h4 u-mb5"> <a class="m-list__link" href="/about-us/blog/cfpb-ombudsmans-office-2021-annual-report/"> CFPB Ombudsman’s Office 2021 Annual Report </a> </h3> <p class="a-date"> <span class="datetime"><time datetime="2021-12-02T00:00:00">DEC 02, 2021</time></span> </p> </li> </ul> </div> <a class="a-link a-link--jump" href="/activity-log/?topics=cfpb-ombudsman" aria-label="View more related posts"> <span class="a-link__text"> View more </span> </a> </div> </div> <div class="block"> <div class="m-reusable-text-snippet"> <header class="m-slug-header"> <h2 class="m-slug-header__heading"> Contact information </h2> </header> <h3 id="cfpb-ombudsman" data-block-key="auxg5">CFPB Ombudsman</h3><p data-block-key="da7qq">Get independent, impartial, confidential help to resolve process issues that occurred when interacting with the CFPB. This is an informal way to raise concerns, not a formal complaint.</p><h5 id="email" data-block-key="msz49"><span data-icon-name="email"><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></span> Email</h5><p data-block-key="amf25"><a href="mailto:CFPBOmbudsman@cfpb.gov">CFPBOmbudsman@cfpb.gov</a></p><h5 id="phone" data-block-key="dys9a"><span data-icon-name="phone"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--phone" viewBox="0 0 16 19"><path d="M14.654 5.775 9.94 8.499l-.118-.204a2.13 2.13 0 0 1-.283-1.092 16.4 16.4 0 0 0-4.873 2.825 2.1 2.1 0 0 1 .795.785l.119.204-4.716 2.724-.118-.204a2.43 2.43 0 0 1 .481-2.881A16 16 0 0 1 5.97 6.61a15.8 15.8 0 0 1 6.076-2.11 3 3 0 0 1 .397-.035l.062-.004v.004a2.31 2.31 0 0 1 2.031 1.106zM1.417 14.7l4.716-2.724.249.432a.606.606 0 0 1-.22.825l-3.67 2.12a.606.606 0 0 1-.825-.221zm14.04-7.535a.606.606 0 0 1-.22.826l-3.67 2.12a.606.606 0 0 1-.825-.222l-.25-.431 4.716-2.724z"/></svg></span> Phone</h5><p data-block-key="7ng8q"><a href="tel:855-830-7880">(855) 830-7880</a></p><p data-block-key="7id9n"><a href="tel:2024357880">(202) 435-7880</a></p><p data-block-key="difak">TRS users dial <a class="a-link" href="https://www.fcc.gov/consumers/guides/711-telecommunications-relay-service"><span class="a-link__text">711</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></p><h5 id="mail" data-block-key="qijff"><span data-icon-name="mail"><svg xmlns="http://www.w3.org/2000/svg" aria-hidden="true" class="cf-icon-svg cf-icon-svg--mail" viewBox="0 0 17 19"><path d="M16.417 6.823v7.809a.557.557 0 0 1-.556.555H1.14a.557.557 0 0 1-.556-.555V6.823a.557.557 0 0 1 .556-.555h14.72a.557.557 0 0 1 .556.555zM1.695 7.38v6.697h13.61V7.379zm8.26 2.258H3.853v1.112h6.102zm0 2.174H3.853v1.111h6.102zm4.24-1.045V8.498h-2.24v2.268z"/></svg></span> Mail</h5><p data-block-key="atgfh">If you would like to mail something to the CFPB Ombudsman, please email or call us.</p> </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>

CINXE.COM

CFPB Ombudsman | Consumer Financial Protection Bureau