This repository contains the native design files for the model and sample disclosure forms for the Equal Credit Opportunity Act (Regulation B).
The purpose of Regulation B is to promote the availability of credit to all creditworthy applicants without regard to race, color, religion, national origin, sex, marital status, or age (provided the applicant has the capacity to contract); to the fact that all or part of the applicant's income derives from a public assistance program; or to the fact that the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The regulation prohibits creditor practices that discriminate on the basis of any of these factors. The regulation also requires creditors to notify applicants of action taken on their applications; to report credit history in the names of both spouses on an account; to retain records of credit applications; to collect information about the applicant's race and other personal characteristics in applications for certain dwelling-related loans; and to provide applicants with copies of appraisal reports used in connection with credit transactions.
Learn more about the Equal Credit Opportunity Act and Regulation be at consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/equal-credit-opportunity-act/.
For the convenience of industry, the Bureau is providing native design files to print certain model forms in Regulation B.
Native print design files (in EPS and PDF formats) can be found in the table below.
| Form | English | Spanish translation of forms |
|---|---|---|
| Sample Form C-1 - Sample Notice of Action Taken and Statement of Reasons (§ 1002.9(a)(2)(i)) |
Form C-1.doc Form C-1.pdf |
Form C-1.doc Form C-1.pdf |
| Sample Form C-2 - Sample Notice of Action Taken and Statement of Reasons (§ 1002.9(a)(2)(i)) |
Form C-2.doc Form C-2.pdf |
Form C-2.doc Form C-2.pdf |
| Sample Form C-3 - Sample Notice of Action Taken and Statement of Reasons (Credit Scoring) (§ 1002.9(a)(2)(i)) |
Form C-3.doc Form C-3.pdf |
Form C-3.doc Form C-3.pdf |
| Sample Form C-4 - Sample Notice of Action Taken, Statement of Reasons and Counteroffer (§ 1002.9(a)(2)(i)) |
Form C-4.doc Form C-4.pdf |
Form C-4.doc Form C-4.pdf |
| Sample Form C-5 - Sample Disclosure of Right To Request Specific Reasons for Credit Denial (§ 1002.9(a)(2)(ii)) |
Form C-5.doc Form C-5.pdf |
Form C-5.doc Form C-5.pdf |
| Sample Form C-6 - Sample Notice of Incomplete Application and Request for Additional Information (§ 1002.9(c)(2)) |
Form C-6.doc Form C-6.pdf |
Form C-6.doc Form C-6.pdf |
| Sample Form C-7 - Sample Notice of Action Taken and Statement of Reasons (Business Credit) (§ 1002.9(a)(2)(i)) |
Form C-7.doc Form C-7.pdf |
Form C-7.doc Form C-7.pdf |
| Sample Form C-8 - Sample Disclosure of Right To Request Specific Reasons for Credit Denial Given at Time of Application (Business Credit) (§ 1002.9(a)(2)(ii)) |
Form C-8.doc Form C-8.pdf |
Form C-8.doc Form C-8.pdf |
We welcome your contributions! In particular, please let us know if any of the code or design templates we’ve provided aren’t working for you in any way. The best way to do this is to file an issue in this repository’s issue tracker.
If you’ve identified a bug in the code and are interested in fixing it yourself, pull requests are welcome!
For more details on how to contribute, please see our CONTRIBUTING file.
N.B.: Due to the nature of what this repository provides, we are unlikely to accept suggestions or pull requests that significantly alter the format or content of what is provided.
The native design files for the sample forms are provided for the convenience of the industry and to help reduce development costs. They are not substitutes for otherwise following the requirements of the regulation, and covered creditors must make sure that all disclosures, regardless of whether they use these design files or not, comply with the specific requirements of Regulation B. More information about Regulation B requirements is available at https://www.consumerfinance.gov/compliance/compliance-resources/other-applicable-requirements/equal-credit-opportunity-act/