source:
  type: regulation
  id: reg-b-1002.4
  authority: 12 CFR §1002.4 — General rules (Regulation B / ECOA)
  description: 'Regulation B §1002.4 sets out five general ECOA rules that apply

    across the entire credit lifecycle: (a) anti-discrimination on a

    prohibited basis regarding any aspect of a credit transaction;

    (b) anti-discouragement (no oral or written statement, in advertising

    or otherwise, that would discourage a reasonable person on a

    prohibited basis from making or pursuing an application); (c)

    written-application requirement for dwelling-related types of credit

    covered by §1002.13(a); (d) form-of-disclosures rules (clear and

    conspicuous, retainable form, and electronic-disclosure E-Sign Act

    compliance); and (e) foreign-language disclosure permission.

    '
obligations:
- id: reg-b-1002.4-a
  canonical_id: reg-b-1002.4-a
  section: 12 CFR §1002.4 — General rules (Regulati
  description: '(a): (a) Discrimination. A creditor shall not discriminate against an applicant on a prohibited
    basis regarding any aspect of a credit transaction .'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.4(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.4
    snapshot_id: 5c2f9f4ff857d6bf
    fetched_at: '2026-05-24T19:33:35Z'
    content_hash: sha256:4c54ba112aad30a7c997e22bc514ec3cbf2a4e098b46f750d103bf8cd8e7ee48
    paragraph_quote: (a) Discrimination. A creditor shall not discriminate against an applicant on a prohibited
      basis regarding any aspect of a credit transaction .
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 5c2f9f4ff857d6bf; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.4-b
  canonical_id: reg-b-1002.4-b
  section: 12 CFR §1002.4 — General rules (Regulati
  description: '(b): (b) Discouragement. A creditor shall not make any oral or written statement, in advertising
    or otherwise, to applicants or prospective applicants that would discourage on a prohibited basis
    a reasonable person from making or pursuing an application .'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.4(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.4
    snapshot_id: 5c2f9f4ff857d6bf
    fetched_at: '2026-05-24T19:33:35Z'
    content_hash: sha256:4c54ba112aad30a7c997e22bc514ec3cbf2a4e098b46f750d103bf8cd8e7ee48
    paragraph_quote: (b) Discouragement. A creditor shall not make any oral or written statement, in advertising
      or otherwise, to applicants or prospective applicants that would discourage on a prohibited basis
      a reasonable person from making or pursuing an application .
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 5c2f9f4ff857d6bf; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.4-c
  canonical_id: reg-b-1002.4-c
  section: 12 CFR §1002.4 — General rules (Regulati
  description: '(c): (c) Written applications. A creditor shall take written applications for the dwelling
    -related types of credit covered by § 1002.13(a) .'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.4(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.4
    snapshot_id: 5c2f9f4ff857d6bf
    fetched_at: '2026-05-24T19:33:35Z'
    content_hash: sha256:4c54ba112aad30a7c997e22bc514ec3cbf2a4e098b46f750d103bf8cd8e7ee48
    paragraph_quote: (c) Written applications. A creditor shall take written applications for the dwelling
      -related types of credit covered by § 1002.13(a) .
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 5c2f9f4ff857d6bf; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.4-d
  canonical_id: reg-b-1002.4-d
  section: 12 CFR §1002.4 — General rules (Regulati
  description: '(d): (d) Form of disclosures —(1) General rule. A creditor that provides in writing any
    disclosures or information required by this part must provide the disclosures in a clear and conspicuous
    manner and, except for the disclosures required by §§ 1002.5 and 1002.13, in a form the applicant
    may retain. (2…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.4(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.4
    snapshot_id: 5c2f9f4ff857d6bf
    fetched_at: '2026-05-24T19:33:35Z'
    content_hash: sha256:4c54ba112aad30a7c997e22bc514ec3cbf2a4e098b46f750d103bf8cd8e7ee48
    paragraph_quote: (d) Form of disclosures —(1) General rule. A creditor that provides in writing any
      disclosures or information required by this part must provide the disclosures in a clear and conspicuous
      manner and, except for the disclosures required by §§ 1002.5 and 1002.13, in a form the applicant
      may retain. (2) Disclosures in electronic form. The disclosures required by this part that are required
      to be given in writing may be provided to the applicant in electronic form, subject to compliance
      with the consumer consent and other applicable provisions of the Electronic Signatures in Global
      and National Commerce Act (E-Sign Act) ( 15 U.S.C. 7001 et seq. ). Where the disclosures under §§
      1002.5(b)(1) , 1002.5(b)(2), 1002.5(d)(1), 1002.5(d)(2), 1002.13, and 1002.14(a)(2) accompany an
      application accessed by the applicant in electronic form, these disclosures may be provided to the
      applicant in electronic form on or with the application form, without regard to the consumer consent
      or other provisions of the E-Sign Act .
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 5c2f9f4ff857d6bf; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.4-e
  canonical_id: reg-b-1002.4-e
  section: 12 CFR §1002.4 — General rules (Regulati
  description: '(e): (e) Foreign-language disclosures. Disclosures may be made in languages other than
    English, provided they are available in English upon request. [ 76 FR 79445 , Dec. 21, 2011, as amended
    at 78 FR 7248 , Jan. 31, 2013] Electronic Signatures in Global and National Commerce Act CFR Toolbox
    Law about... …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.4(a)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.4
    snapshot_id: 5c2f9f4ff857d6bf
    fetched_at: '2026-05-24T19:33:35Z'
    content_hash: sha256:4c54ba112aad30a7c997e22bc514ec3cbf2a4e098b46f750d103bf8cd8e7ee48
    paragraph_quote: (e) Foreign-language disclosures. Disclosures may be made in languages other than
      English, provided they are available in English upon request. [ 76 FR 79445 , Dec. 21, 2011, as
      amended at 78 FR 7248 , Jan. 31, 2013] Electronic Signatures in Global and National Commerce Act
      CFR Toolbox Law about... Articles from Wex Table of Popular Names Parallel Table of Authorities
      Accessibility About LII Contact us Advertise here Help Terms of use Privacy
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 5c2f9f4ff857d6bf; body
      isolated between nav and notes; substring-verified.
  judgment: false
