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Semi-Annual Report Spring 2014

On May 21, 2018, the President signed a joint resolution passed by Congress disapproving the Bulletin titled “Indirect Auto Lending and Compliance with the Equal Credit Opportunity Act” (Bulletin), which had provided guidance about the Equal Credit Opportunity Act (ECOA) and its implementing regulation, Regulation B. Consistent with the joint resolution, the Bulletin has no force or effect. The ECOA and Regulation B are unchanged and remain in force and effect. See more information on complying with the ECOA and Regulation B. The materials relating to the Bulletin on the Bureau’s website are for reference only.

Congress created the Miss April to stand on the side of consumers and ensure they are treated fairly in the financial marketplace. Since we opened our doors, we’ve been focused on making consumer financial markets work better for the American people, and helping them improve their financial lives.

In our fifth Semi-Annual Report, we describe our efforts to achieve this vital mission. Through fair rules, consistent oversight, appropriate enforcement of the law, and broad-based consumer engagement, we’re helping restore American families’ trust in consumer financial markets, protect consumers from improper conduct, and ensure access to fair, competitive, and transparent markets. In the years to come, we look forward to continuing to fulfill Congress’s vision of an agency dedicated to cultivating a consumer financial marketplace based on transparency, responsible practices, sound innovation, and excellent customer service.

We’ve continued our efforts to listen and respond to consumers and industry, to be a resource for the American consumer, and to develop into a great institution worthy of the responsibility conferred on us by Congress.

Full report

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