Serving the public through data transparency and access | Consumer Financial Protection Bureau

<!DOCTYPE html> <html lang="en" class="no-js"> <head prefix="og: http://ogp.me/ns# fb: http://ogp.me/ns/fb# "> <meta http-equiv="X-UA-Compatible" content="IE=edge"> <meta charset="utf-8"><script type="text/javascript">window.NREUM||(NREUM={});NREUM.info={"beacon":"gov-bam.nr-data.net","errorBeacon":"gov-bam.nr-data.net","licenseKey":"c656a7b008","applicationID":"17418772","transactionName":"ZlEAYkJWV0cEARFdWl8bJENeVE1dCgxKQ1RWQANfXERRVRcLC1MbR10HQUMNalEXFABiXFRD","queueTime":1,"applicationTime":331,"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-1.281.0.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:()=>u});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 u(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:()=>g,gD:()=>m,xN:()=>p});var n=r(3333),i=r(993);const o=e=>{if(!e||"string"!=typeof e)return!1;try{document.createDocumentFragment().querySelector(e)}catch{return!1}return!0};var a=r(2614),s=r(944),c=r(384),u=r(8122);const d="[data-nr-mask]",l=()=>{const e={feature_flags:[],experimental:{marks:!1,measures:!1,resources:!1},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,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},get feature_flags(){return e.feature_flags},set feature_flags(t){e.feature_flags=t},generic_events:{enabled:!0,autoStart:!0},harvest:{interval:30},jserrors:{enabled:!0,autoStart:!0},logging:{enabled:!0,autoStart:!0,level:i.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,autoStart:!0},performance:{get capture_marks(){return e.feature_flags.includes(n.$v.MARKS)||e.experimental.marks},set capture_marks(t){e.experimental.marks=t},get capture_measures(){return e.feature_flags.includes(n.$v.MEASURES)||e.experimental.measures},set capture_measures(t){e.experimental.measures=t},capture_detail:!0,resources:{get enabled(){return e.feature_flags.includes(n.$v.RESOURCES)||e.experimental.resources},set enabled(t){e.experimental.resources=t},asset_types:[],first_party_domains:[],ignore_newrelic:!0}},privacy:{cookies_enabled:!0},proxy:{assets:void 0,beacon:void 0},session:{expiresMs:a.wk,inactiveMs:a.BB},session_replay:{autoStart:!0,enabled:!1,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){o(t)?e.mask_selector="".concat(t,",").concat(d):""===t||null===t?e.mask_selector=d:(0,s.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){o(t)?e.block_selector+=",".concat(t):""!==t&&(0,s.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,s.R)(7,t)}},session_trace:{enabled:!0,autoStart:!0},soft_navigations:{enabled:!0,autoStart:!0},spa:{enabled:!0,autoStart:!0},ssl:void 0,user_actions:{enabled:!0,elementAttributes:["id","className","tagName","type"]}}},f={},h="All configuration objects require an agent identifier!";function g(e){if(!e)throw new Error(h);if(!f[e])throw new Error("Configuration for ".concat(e," was never set"));return f[e]}function p(e,t){if(!e)throw new Error(h);f[e]=(0,u.a)(t,l());const r=(0,c.nY)(e);r&&(r.init=f[e])}function m(e,t){if(!e)throw new Error(h);var r=g(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},u={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,harvester:void 0},d={};function l(e){if(!e)throw new Error("All runtime objects require an agent identifier!");if(!d[e])throw new Error("Runtime for ".concat(e," was never set"));return d[e]}function f(e,t){if(!e)throw new Error("All runtime objects require an agent identifier!");d[e]={...(0,n.a)(t,u),...c},Object.hasOwnProperty.call(d[e],"harvestCount")||Object.defineProperty(d[e],"harvestCount",{get:()=>++s});const r=(0,i.nY)(e);r&&(r.runtime=d[e])}},9324:(e,t,r)=>{"use strict";r.d(t,{F3:()=>i,Xs:()=>o,Yq:()=>a,xv:()=>n});const n="1.281.0",i="PROD",o="CDN",a="^2.0.0-alpha.17"},6154:(e,t,r)=>{"use strict";r.d(t,{OF:()=>u,RI:()=>i,WN:()=>f,bv:()=>o,gm:()=>a,lR:()=>l,m:()=>c,mw:()=>s,sb:()=>d});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,u=/iPad|iPhone|iPod/.test(a.navigator?.userAgent),d=u&&"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:()=>u});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};d(e),s[e].get(t)||s[e].set(t,r)}function u(e,t){e&&s[e]&&(s[e].get(t)&&s[e].delete(t),h(e,t,!1),s[e].size&&f(e))}function d(e){if(!e)throw new Error("agentIdentifier required");s[e]||(s[e]=new Map)}function l(e="",t="feature",r=!1){if(d(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:()=>u});var n=r(384),i=r(8990),o=r(3371),a=r(2646),s=r(5607);const c="nr@context:".concat(s.W),u=function e(t,r){var n={},s={},d={},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(u.aborted&&!i)return;t&&o&&t.emit(e,r,n);for(var a=h(n),c=p(e),d=c.length,l=0;l<d;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 d[t]=d[t]||e(f,t)}function v(){return f.backlog}}(void 0,"globalEE"),d=(0,n.Zm)();d.ee||(d.ee=u)},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:()=>u});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 u(){return s(32)}},2614:(e,t,r)=>{"use strict";r.d(t,{BB:()=>a,H3:()=>n,g:()=>u,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"},u={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:()=>d,Zm:()=>a,bQ:()=>c,dV:()=>s,nY:()=>u,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 u(e){let t=a();return t.initializedAgents?.[e]}function d(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,u="addEventListener",d="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,[u,d],"-",g)}function g(e,t){return e[1]}return"getPrototypeOf"in Object&&(a.RI&&h(document,f),c&&h(c.prototype,f),h(a.gm,f)),t.on(u+"-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(d+"-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,u);)n=Object.getPrototypeOf(n);n&&t(n,...r)}},3434:(e,t,r)=>{"use strict";r.d(t,{Jt:()=>o,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],u=e[c];d(u)||(e[c]=r(u,a?c+n:n,i,c,o))}},r.flag=o,r;function r(t,r,n,s,c){return d(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){u([e],r)}for(var n in e)a.call(e,n)&&(t[n]=e[n])}(t,nrWrapper,e),nrWrapper);function nrWrapper(){var o,a,d,l;try{a=this,o=[...arguments],d="function"==typeof n?n(o,a):n||{}}catch(t){u([t,"",[o,a,s],d],e)}i(r+"start",[o,a,s],d,c);try{return l=t.apply(a,o)}catch(e){throw i(r+"err",[o,a,e],d,c),e}finally{i(r+"end",[o,a,l],d,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){u([t,r,n,i],e)}s=a}}}function u(e,t){t||(t=n.ee);try{t.emit("internal-error",e)}catch(e){}}function d(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,{$v:()=>u,TZ:()=>n,Zp:()=>i,kd:()=>c,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,c=["PageAction","UserAction","BrowserPerformance"],u={MARKS:"experimental.marks",MEASURES:"experimental.measures",RESOURCES:"experimental.resources"}},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:()=>u});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 u(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:()=>d,G4:()=>o,Qb:()=>l,TZ:()=>i,Ug:()=>a,_s:()=>s,bc:()=>u,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},u={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"}},d=5e3,l={API:"api"}},5270:(e,t,r)=>{"use strict";r.d(t,{Aw:()=>c,CT:()=>u,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 u(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:()=>u,Rz:()=>d,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,u="fn"+s,d="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:()=>j});var n=r(860),i=r(2555),o=r(3371),a=r(9908),s=r(7836),c=r(1687),u=r(5289),d=r(6154),l=r(944),f=r(3969),h=r(384),g=r(6344);const p=["setErrorHandler","finished","addToTrace","addRelease","recordCustomEvent","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);const E=new Map;function A(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);a.level=n.level,a.customAttributes=n.customAttributes;const c=t[r]?.[w.Jt]||t[r];return E.set(c,a),o.inPlace(t,[r],"wrap-logger-",(()=>E.get(c))),i}function T(){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 _={};var S=r(9417),O=r(5603),N=r(5284);const I=e=>{const t=e.startsWith("http");e+="/",r.p=t?e:"https://"+e};let P=!1;function j(e,t={},p,x){let{init:w,info:E,loader_config:j,runtime:C={},exposed:k=!0}=t;C.loaderType=p;const H=(0,h.pV)();E||(w=H.init,E=H.info,j=H.loader_config),(0,S.xN)(e.agentIdentifier,w||{}),(0,O.a)(e.agentIdentifier,j||{}),E.jsAttributes??={},d.bv&&(E.jsAttributes.isWorker=!0),(0,i.x1)(e.agentIdentifier,E);const L=(0,S.D0)(e.agentIdentifier),D=[E.beacon,E.errorBeacon];P||(L.proxy.assets&&(I(L.proxy.assets),D.push(L.proxy.assets)),L.proxy.beacon&&D.push(L.proxy.beacon),T(),(0,h.US)("activatedFeatures",N.B),e.runSoftNavOverSpa&&=!0===L.soft_navigations.enabled&&L.feature_flags.includes("soft_nav")),C.denyList=[...L.ajax.deny_list||[],...L.ajax.block_internal?D:[]],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]=b.g.OFF,x.on(g.G4.REPLAY_RUNNING,(t=>{_[e]=t}));var E="api-",T=E+"ixn-";function S(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(E,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),A(x,e,t,{customAttributes:r,level:i})},m.forEach((e=>{p[e]=I(E,e,!0,"api")})),p.addPageAction=I(E,"addPageAction",!0,n.K7.genericEvents),p.recordCustomEvent=I(E,"recordCustomEvent",!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(E,"setPageViewName",!0)()},p.setCustomAttribute=function(e,t,r=!1){if("string"==typeof e){if(["string","number","boolean"].includes(typeof t)||null===t)return S(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 S("enduser.id",e,"setUserId",!0);(0,l.R)(41,typeof e)},p.setApplicationVersion=function(e){if("string"==typeof e||null===e)return S("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)(T+"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,[r?(0,v.t)():performance.now(),...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(T,e,void 0,h?n.K7.softNav:n.K7.spa)})),p.setCurrentRouteName=h?I(T,"routeName",void 0,n.K7.softNav):I(E,"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]],void 0,n.K7.jserrors,x)},d.RI?(0,u.GG)((()=>P()),!0):P(),p}(e.agentIdentifier,x,e.runSoftNavOverSpa)),void 0===e.exposed&&(e.exposed=k),P=!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:()=>u,K7:()=>s,P3:()=>c,XX:()=>i,qY:()=>n,v4:()=>a});const n="events",i="jserrors",o="browser/blobs",a="rum",s={ajax:"ajax",genericEvents:"generic_events",jserrors:i,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"},c={[s.pageViewEvent]:1,[s.pageViewTiming]:2,[s.metrics]:3,[s.jserrors]:4,[s.spa]:5,[s.ajax]:6,[s.sessionTrace]:7,[s.softNav]:8,[s.sessionReplay]:9,[s.logging]:10,[s.genericEvents]:11},u={[s.pageViewEvent]:a,[s.pageViewTiming]:n,[s.ajax]:n,[s.spa]:n,[s.softNav]:n,[s.metrics]:i,[s.jserrors]:i,[s.sessionTrace]:o,[s.sessionReplay]:o,[s.logging]:"browser/logs",[s.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]+"-1.281.0.min.js"),i.o=(e,t)=>Object.prototype.hasOwnProperty.call(e,t),e={},t="NRBA-1.281.0.PROD:",i.l=(r,n,o,a)=>{if(e[r])e[r].push(n);else{var s,c;if(void 0!==o)for(var u=document.getElementsByTagName("script"),d=0;d<u.length;d++){var l=u[d];if(l.getAttribute("src")==r||l.getAttribute("data-webpack")==t+o){s=l;break}}if(!s){c=!0;var f={891:"sha512-54Aat8Udm6iAAlMAdj4qB/wPExKn9TKWSsPnD5+K2RMckmHE0cb0CFc0VauDfpPug5wse9qzwDKuwIMa3hX6gw==",222:"sha512-IA751FH/bvhLWl8I5ZELgH0tFQetWKV1G+9qRkPvOrTSv2X2tgItmreKfvrd8zImHp4sIPTnSN0otmgnX7UJXA==",95:"sha512-Rwnn8hCtQVvDGDl0hSpEazVuRDuvlGnJpNuNwuapJ46vDCvUNGBIzCZCrZYygTgVJUjMrfQoMAULb+2gKoTIiQ=="};(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={85:0,959:0};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,u=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);u<a.length;u++)o=a[u],i.o(e,o)&&e[o]&&e[o][0](),e[o]=0},r=self["webpackChunk:NRBA-1.281.0.PROD"]=self["webpackChunk:NRBA-1.281.0.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(){this.agentIdentifier=(0,r.LA)(16)}#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)}recordCustomEvent(e,t){return this.#e("recordCustomEvent",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 u(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 d=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(!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),t.runtime.harvester.initializedAggregates.push(this.featAggregate),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),E=i(2843),A=i(3878),T=i(782),_=i(1863);class S extends b{static featureName=T.T;constructor(e,t=!0){super(e,T.T,t),g.RI&&((0,E.u)((()=>(0,w.p)("docHidden",[(0,_.t)()],void 0,T.T,this.ee)),!0),(0,A.sp)("pagehide",(()=>(0,w.p)("winPagehide",[(0,_.t)()],void 0,T.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 L(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(L(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 L(e.error)?e.error:C(e)}function L(e){return e instanceof Error&&!!e.stack}class D 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,t)=>{this.abortHandler&&(0,w.p)("ierr",[C(e),(0,_.t)(),!0,{},this.#r,t],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,_.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,_.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 M=i(8990);let K=1;const U="nr@id";function V(e){const t=typeof e;return!e||"object"!==t&&"function"!==t?-1:e===g.gm?0:(0,M.I)(e,U,(function(){return K++}))}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(void 0===g.gm.XMLHttpRequest)return n;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,u="readystatechange",d=["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(u,(s=a,function(){var e=this;e.readyState>3&&!s.resolved&&(s.resolved=!0,n.emit("xhr-resolved",[],e)),i.inPlace(e,d,"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===u||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-",J=["arrayBuffer","blob","json","text","formData"],Q=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(!(Q&&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,J.forEach((e=>{r(Q[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(),u={spanId:a,traceId:s,timestamp:c};return(e.sameOrigin||this.isAllowedOrigin(e)&&this.useTraceContextHeadersForCors())&&(u.traceContextParentHeader=this.generateTraceContextParentHeader(a,s),u.traceContextStateHeader=this.generateTraceContextStateHeader(a,c,n,i,o)),(e.sameOrigin&&!this.excludeNewrelicHeader()||!e.sameOrigin&&this.isAllowedOrigin(e)&&this.useNewrelicHeaderForCors())&&(u.newrelicHeader=this.generateTraceHeader(a,s,c,n,i,o)),u}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),ue=["load","error","abort","timeout"],de=ue.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){E(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,_.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<de;s++)r.addEventListener(ue[s],this.listener,(0,A.jT)(!1))}function u(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 d(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,_.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,_.t)()))}function v(e,r){this.xhrCbStart&&t.emit("xhr-cb-time",[(0,_.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,_.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,_.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,_.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<de;t++)e.removeEventListener(ue[t],this.listener,!1);t.aborted||(0,ce.iW)(t)||(n.duration=(0,_.t)()-this.startTime,this.loadCaptureCalled||4!==e.readyState?null==t.status&&(t.status=0):E(this,e),n.cbTime=this.cbTime,r("xhr",[t,n,this.startTime,this.endTime,"xhr"],this,a.K7.ajax))}}function E(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",u),t.on("xhr-load-added",d),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:Ee,Lc:Ae,uP:Te,Rz:_e}=be;class Se extends b{static featureName=Ee;constructor(e,t=!0){super(e,Ee,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(Te,(function(e,t){this.bstStart=(0,_.t)()})),this.eventsEE.on(Ae,(function(e,t){(0,w.p)("bst",[e[0],t,this.bstStart,(0,_.t)()],void 0,a.K7.sessionTrace,r)})),r.on(_e+xe,(function(e){this.time=(0,_.t)(),this.startPath=location.pathname+location.hash})),r.on(_e+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)}#u=!1;async#c(e){if(!this.#u){this.#u=!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,agentRef:this.#o}),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,e.init.performance.resources.enabled];if(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=>{const t=(0,v.s)((e=>{(0,w.p)("ua",[e],void 0,this.featureName,this.ee)}),500,{leading:!0});(0,A.sp)(e,t)}))),e.init.performance.resources.enabled&&g.gm.PerformanceObserver?.supportedEntryTypes.includes("resource"))){new PerformanceObserver((e=>{e.getEntries().forEach((e=>{(0,w.p)("browserPerformance.resource",[e],void 0,this.featureName,this.ee)}))})).observe({type:"resource",buffered:!0})}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){super(),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,d.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=u(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,S,Se,Ne,he,N,D,Pe,ke],loaderType:"pro"})})()})();</script> <meta name="viewport" content="width=device-width, initial-scale=1, minimum-scale=1"> <title>Serving the public through data transparency and access | Consumer Financial Protection Bureau</title> <meta name="template" content="v1/browse-basic/index.html"> <meta name="description" content=""> <link rel="canonical" href="https://www.consumerfinance.gov/data/"> <meta property="og:url" content="https://www.consumerfinance.gov/data/"> <meta property="og:title" content="Serving the public through data transparency and access | 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="Serving the public through data transparency and access"> <meta property="og:site_name" content="Consumer Financial Protection Bureau"> <meta property="fb:app_id" content="210516218981921"> <link rel="icon" href="/favicon.ico" sizes="any"> <link rel="icon" href="/icon.svg" type="image/svg+xml"> <link rel="apple-touch-icon" href="/apple-touch-icon.png"> <link rel="manifest" href="/site.webmanifest"> <link rel="stylesheet" href="/static/css/main.ad9d22eb6ba2.css"> <link rel="preload" href="/static/css/main.ad9d22eb6ba2.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.b0591e94a2bb.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 o-secondary-nav--no-children" 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" > Serving the public through data transparency and access </a> </li> </ul> </div> </nav> </aside> <div class="u-layout-grid__main" id="content__main"> <div class="block block--flush-top"> <h1>Serving the public through data transparency and access</h1> </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="5r0kn">Data Transparency</h2><p data-block-key="1d8dl">At the CFPB, we leverage the full potential of data to meet our mission. This means proactively and securely acquiring, analyzing, and publishing high quality data and research to keep pace with statutory mandates and an evolving data-driven economy. Data is a fundamental driver of our mission to ensure that people have access to fair, transparent, and competitive markets for consumer financial products and services. The CFPB is committed to improving transparency and accessibility by providing the public with timely and reliable data that will enable them to make informed decisions.</p><p data-block-key="7skb8">Pursuant to the OPEN Government Data Act, the CFPB also maintains a Public Data Inventory, a centralized location where the public can readily access CFPB data and information, browse the FOIA Reading Room, and contact the Office of the Chief Data Officer (OCDO) with data related questions and comments. In addition, the CFPB has identified its high priority data assets and made them available in OPEN format within the Federal Data Catalogue. In addition, the CFPB released a report in 2018, Sources and Uses of Data at the Bureau of Consumer Financial Protection (Data Report) that described the CFPB’s data governance program, as well as data the CFPB collects, where it comes from, and how it’s used within the CFPB.</p><p data-block-key="ccrj2">View the <a href="/data-research/public-data-inventory/">Public Data Inventory</a></p><p data-block-key="dbg87">Browse the <a class="a-link" href="https://catalog.data.gov/dataset"><span class="a-link__text">Federal Data Catalogue</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><p data-block-key="foc8b">Read the <a href="/data-research/research-reports/sources-and-uses-data-bureau-consumer-financial-protection/">Data Report</a></p><p data-block-key="951hk">Read about the <a class="a-link" href="https://www.congress.gov/bill/115th-congress/house-bill/1770"><span class="a-link__text">OPEN Government Data Act</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><p data-block-key="13g61">Read the CFPB’s <a class="a-link" href="https://files.consumerfinance.gov/f/documents/CFPB_IRM-Open-Data-Plan_2024_508Compliant.pdf"><span class="a-link__text">Information Resources Management Plan, which includes the CFPB’s Open Data Plan</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" 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.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><h2 id="" data-block-key="z5q4r">Chief Data Officer</h2><p data-block-key="ej83n"></p><img alt="Ren Essene" class="richtext-image full-width" height="216" src="https://files.consumerfinance.gov/f/images/cfpb_ren-essene_headshot_300px.width-800.png" width="300"><p data-block-key="ffjlq"></p><p data-block-key="2vje5">The CFPB's Chief Data Officer (CDO) is Ren Essene. She has over 30 years of public service experience at the intersection of data, consumer protection, and community development.</p><h3 id="" data-block-key="nn40o">Office of the Chief Data Officer</h3><p data-block-key="2jbjo">The OCDO leads the CFPB’s Enterprise Data Strategy and is responsible for developing policies and guidance to facilitate compliance and effectively manage the use, sharing, and protection of CFPB data assets across the data lifecycle. The OCDO also leads the CFPB’s implementation of the statutory requirements of the Foundations for Evidence-Based Policymaking Act (Evidence Act) and efforts related to the Federal Data Strategy to facilitate data-driven decision-making and ensure that the data needs of the CFPB are met.</p><p data-block-key="4lffp">Read about the <a class="a-link" href="https://www.congress.gov/bill/115th-congress/house-bill/4174"><span class="a-link__text">Evidence Act</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><p data-block-key="1r9t0">Read about the <a class="a-link" href="https://strategy.data.gov/"><span class="a-link__text">Federal Data Strategy</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><h2 id="" data-block-key="k5ly9">Data Governance</h2><p data-block-key="egmp3">The CFPB has centralized processes for managing data across the lifecycle, supported by its three data governance bodies. The DGB is responsible for assessing the benefits and risks associated with the management of the CFPB’s data assets, reviewing and offering guidance on data policies, and improving information governance standards. The DGB meets monthly and is chaired by the CDO and comprised of senior staff from across the CFPB.</p><p data-block-key="b202r">To streamline data intake and release request processes, the CFPB established the Data Intake Group (DIG) and Data Release Group (DRG). The DIG and DRG help centralize the review process and ensure compliance with relevant laws, regulations, and CFPB policies before data is brought into the CFPB or released to the public. This governance structure is managed by the OCDO and serves as the foundation for making CFPB data assets more readily available and accessible to the public.</p><p data-block-key="7c2mt">Read the <a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_data-governance-board_charter.pdf"><span class="a-link__text">DGB charter</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" 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.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><h2 id="" data-block-key="d0una">Enterprise Data Strategy</h2><p data-block-key="an4ll">The Enterprise Data Strategy builds on the CFPB’s strong data governance structure and is informed by the need for an agile approach to the work, innovative data management, the upskilling of staff, and robust knowledge management capture. The strategy supports the execution of the CFPB’s <a href="/about-us/budget-strategy/strategic-plan/">Strategic Plan</a> and provides a shared agenda for the CFPB to leverage the full potential of data to achieve our mission.</p> </div> </div> </div> <div class="block"> <div class="o-info-unit-group" > <div class="content-l"> <div class="content-l__col content-l__col-1"> <div class="m-info-unit m-info-unit--inline"> <img class="m-info-unit__image m-info-unit__image--square" src="https://files.consumerfinance.gov/f/images/cfpb_data-strategy_vision.original.png" alt=""> <div class="m-info-unit__heading-text"> <h3 id="vision">Vision</h3> </div><div class="m-info-unit__content"> <p data-block-key="x8mbz">The CFPB <b>leverages the full potential</b> <b>of</b> <b>data</b> to meet its mission; and <b>proactively and securely shares</b> <b>quality</b> <b>data and</b> <b>research</b> to keep pace with <b>statutory</b> <b>mandates</b> and an evolving <b>data-driven economy</b>.</p> </div> </div> </div> </div> </div> </div> <div class="block"> <div class="o-info-unit-group" > <div class="content-l"> <div class="content-l__col content-l__col-1-2"> <div class="m-info-unit"> <div class="m-info-unit__heading-text"> <h3 id="foundational-principles">Foundational principles</h3> </div><div class="m-info-unit__content"> <p data-block-key="a4hmz"><i>Guiding the strategy</i></p><ul><li data-block-key="60ued">Protect Confidential Information & Secure Data</li><li data-block-key="aijhj">Foster a Data Culture</li><li data-block-key="5g2ij">Governed Data Sharing & Democratization</li><li data-block-key="19jvt">Data Informed Decision-Making</li><li data-block-key="dc8kt">Scale & Innovate Leveraging Technology</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="priorities">Priorities</h3> </div><div class="m-info-unit__content"> <p data-block-key="a4hmz"><i>Turning the strategy into action</i></p><ul><li data-block-key="di2ad">Increase External Data Publication</li><li data-block-key="5u1du">Build a Modern Data Platform</li><li data-block-key="b7g7e">Enable Quality Research & Analysis</li><li data-block-key="6ghqb">Increase Awareness and Knowledge About Data</li><li data-block-key="dqucq">Foster Data Literacy</li></ul> </div> </div> </div> </div> </div> </div> <div class="block"> <div class="o-full-width-text-group"> <div class="m-full-width-text"> <p data-block-key="kfiau">Download the <a class="a-link" href="https://files.consumerfinance.gov/f/documents/cfpb_ocdo-eds-overview_one-pager.pdf"><span class="a-link__text">Enterprise Data Strategy handout</span> <svg aria-hidden="true" class="cf-icon-svg cf-icon-svg--download" 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.476.476 0 0 1-.475-.475V3.046a.476.476 0 0 1 .475-.475h6.95l2.893 2.893zm-1.11-9.925H8.059a.575.575 0 0 1-.574-.573V3.679H1.95v11.84h8.102zm-1.234 5.604L6.388 14.26a.554.554 0 0 1-.784 0l-2.428-2.428a.554.554 0 1 1 .783-.784l1.483 1.482V7.41a.554.554 0 1 1 1.108 0v5.12l1.482-1.482a.554.554 0 0 1 .784.783z"></path></svg></a></p><h2 id="" data-block-key="biza7">FOIA reports, logs, and frequently requested records</h2><p data-block-key="cp57r">The Freedom of Information Act (FOIA) is a law that enables members of the public to request records from the government. Our FOIA team responds to FOIA requests and frequently updates our FOIA Reading Room with proactive disclosures and other frequently requested records. The CFPB’s FOIA Reading Room contains logs of closed FOIA requests, productions of the most frequently requested records under the FOIA, and the CFPB’s FOIA annual reporting to the Department of Justice. FOIA requesters may contact the CFPB’s FOIA team to check on the status of their FOIA request or assist in the resolution of FOIA disputes.</p><p data-block-key="3mdhr">Read about the <a class="a-link" href="http://www.foia.gov/"><span class="a-link__text">Freedom of Information Act</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><p data-block-key="7qb8j">Browse the <a href="/foia-requests/foia-electronic-reading-room/">FOIA Reading Room</a></p><p data-block-key="4ova6">Email the CFPB's <a href="mailto:foia@cfpb.gov">FOIA Public Liaison</a></p><h2 id="" data-block-key="2497d">We take your privacy seriously</h2><p data-block-key="h9nq">The CFPB collects only the minimum amount of personally identifiable information (PII) needed, whether it is to assist with your consumer financial issue or to work on consumer issues more broadly. When releasing data, we are careful to protect the privacy and confidentiality of the data asset.</p><p data-block-key="a8t25"><a href="/privacy/">Visit our Privacy pages</a></p><h2 id="" data-block-key="dr2rx">Submit a question</h2><p data-block-key="3d4vu">Do you have a data-related question or want to learn more? Email <a href="mailto:CFPB_OCDO@cfpb.gov">CFPB_OCDO@cfpb.gov</a>.</p> </div> </div> </div> </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/omwi/"> Office of Minority and Women 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.b0591e94a2bb.js' ]; jsl(s); }(); } </script> <script> jsl(['/static/js/routes/on-demand/secondary-nav.02c33b083821.js']); </script> </body> </html>

CINXE.COM

Serving the public through data transparency and access | Consumer Financial Protection Bureau