source:
  type: regulation
  id: reg-b-1002.15
  authority: 12 CFR §1002.15 — Incentives for self-testing and self-correction (Regulation B / ECOA)
  description: 'Regulation B §1002.15 sets up a self-test privilege regime: where

    [LENDER] voluntarily conducts (or authorizes) a self-test for ECOA

    compliance, the report or results are privileged against use by

    government agencies or applicants in examinations / investigations /

    proceedings — but ONLY if [LENDER] has taken or is taking appropriate

    corrective action when the self-test shows it is more likely than not

    that a violation occurred. The privilege is forfeited if [LENDER]

    voluntarily discloses any part of the report or results, uses it as

    a defense, or fails to retain required documentation under

    §1002.12(b)(6).

    '
obligations:
- id: reg-b-1002.15-a
  canonical_id: reg-b-1002.15-a
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(a): (a) General rules —(1) Voluntary self-testing and correction. The report or results
    of a self-test that a creditor voluntarily conducts (or authorizes) are privileged as provided in
    this section. Data collection required by law or by any governmental authority is not a voluntary
    self-test. (2) Corre…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: (a) General rules —(1) Voluntary self-testing and correction. The report or results
      of a self-test that a creditor voluntarily conducts (or authorizes) are privileged as provided in
      this section. Data collection required by law or by any governmental authority is not a voluntary
      self-test. (2) Corrective action required. The privilege in this section applies only if the creditor
      has taken or is taking appropriate corrective action. (3) Other privileges. The privilege created
      by this section does not preclude the assertion of any other privilege that may also apply.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.15-b
  canonical_id: reg-b-1002.15-b
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(b): (b) Self-test defined —(1) Definition. A self-test is any program , practice, or
    study that:'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: '(b) Self-test defined —(1) Definition. A self-test is any program , practice, or
      study that:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.15-i
  canonical_id: reg-b-1002.15-i
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(i): (i) Is designed and used specifically to determine the extent or effectiveness of
    a creditor ''s compliance with the Act or this part; and (ii) Creates data or factual information
    that is not available and cannot be derived from loan or application files or other records related
    to credit transaction…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: '(i) Is designed and used specifically to determine the extent or effectiveness of
      a creditor ''s compliance with the Act or this part; and (ii) Creates data or factual information
      that is not available and cannot be derived from loan or application files or other records related
      to credit transactions. (2) Types of information privileged. The privilege under this section applies
      to the report or results of the self-test, data or factual information created by the self-test,
      and any analysis, opinions, and conclusions pertaining to the self-test report or results. The privilege
      covers workpapers or draft documents as well as final documents. (3) Types of information not privileged.
      The privilege under this section does not apply to:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.15-i
  canonical_id: reg-b-1002.15-i
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(i): (i) Information about whether a creditor conducted a self-test, the methodology used
    or the scope of the self-test, the time period covered by the self-test, or the dates it was conducted;
    or (ii) Loan and application files or other business records related to credit transactions, and information
    de…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: (i) Information about whether a creditor conducted a self-test, the methodology used
      or the scope of the self-test, the time period covered by the self-test, or the dates it was conducted;
      or (ii) Loan and application files or other business records related to credit transactions, and
      information derived from such files and records, even if the information has been aggregated, summarized,
      or reorganized to facilitate analysis.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.15-c
  canonical_id: reg-b-1002.15-c
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(c): (c) Appropriate corrective action —(1) General requirement. For the privilege in
    this section to apply, appropriate corrective action is required when the self-test shows that it
    is more likely than not that a violation occurred, even though no violation has been formally adjudicated.
    (2) Determinin…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: '(c) Appropriate corrective action —(1) General requirement. For the privilege in
      this section to apply, appropriate corrective action is required when the self-test shows that it
      is more likely than not that a violation occurred, even though no violation has been formally adjudicated.
      (2) Determining the scope of appropriate corrective action. A creditor must take corrective action
      that is reasonably likely to remedy the cause and effect of a likely violation by:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.15-i
  canonical_id: reg-b-1002.15-i
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(i): (i) Identifying the policies or practices that are the likely cause of the violation
    ; and (ii) Assessing the extent and scope of any violation . (3) Types of relief. Appropriate corrective
    action may include both prospective and remedial relief, except that to establish a privilege under
    this secti…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: '(i) Identifying the policies or practices that are the likely cause of the violation
      ; and (ii) Assessing the extent and scope of any violation . (3) Types of relief. Appropriate corrective
      action may include both prospective and remedial relief, except that to establish a privilege under
      this section:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.15-i
  canonical_id: reg-b-1002.15-i
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(i): (i) A creditor is not required to provide remedial relief to a tester used in a self-test;
    (ii) A creditor is only required to provide remedial relief to an applicant identified by the self-test
    as one whose rights were more likely than not violated; and (iii) A creditor is not required to provide
    r…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: (i) A creditor is not required to provide remedial relief to a tester used in a self-test;
      (ii) A creditor is only required to provide remedial relief to an applicant identified by the self-test
      as one whose rights were more likely than not violated; and (iii) A creditor is not required to
      provide remedial relief to a particular applicant if the statute of limitations applicable to the
      violation expired before the creditor obtained the results of the self-test or the applicant is
      otherwise ineligible for such relief. (4) No admission of violation. Taking corrective action is
      not an admission that a violation occurred.
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.15-d
  canonical_id: reg-b-1002.15-d
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(d): (d) Scope of privilege —(1) General rule. The report or results of a privileged self-test
    may not be obtained or used:'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: '(d) Scope of privilege —(1) General rule. The report or results of a privileged
      self-test may not be obtained or used:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.15-i
  canonical_id: reg-b-1002.15-i
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(i): (i) By a government agency in any examination or investigation relating to compliance
    with the Act or this part; or (ii) By a government agency or an applicant (including a prospective
    applicant who alleges a violation of § 1002.4(b) ) in any proceeding or civil action in which a violation
    of the Ac…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: '(i) By a government agency in any examination or investigation relating to compliance
      with the Act or this part; or (ii) By a government agency or an applicant (including a prospective
      applicant who alleges a violation of § 1002.4(b) ) in any proceeding or civil action in which a
      violation of the Act or this part is alleged. (2) Loss of privilege. The report or results of a
      self-test are not privileged under paragraph (d)(1) of this section if the creditor or a person
      with lawful access to the report or results:'
    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.15-i
  canonical_id: reg-b-1002.15-i
  section: 12 CFR §1002.15 — Incentives for self-te
  description: '(i): (i) Voluntarily discloses any part of the report or results, or any other information
    privileged under this section, to an applicant or government agency or to the public; (ii) Discloses
    any part of the report or results, or any other information privileged under this section, as a defense
    to charge…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.15(a)(2)
    source_class: cfpb-regulation
    source_url: https://www.ecfr.gov/current/title-12/chapter-X/part-1002/section-1002.15
    snapshot_id: 1f9d87c222186be7
    fetched_at: '2026-05-24T19:33:36Z'
    content_hash: sha256:e83622da8ecd04fc4005eb16ca1b9304ce0b37fe98b5322217a4826d6fbad11c
    paragraph_quote: (i) Voluntarily discloses any part of the report or results, or any other information
      privileged under this section, to an applicant or government agency or to the public; (ii) Discloses
      any part of the report or results, or any other information privileged under this section, as a
      defense to charges that the creditor has violated the Act or regulation; or (iii) Fails or is unable
      to produce written or recorded information about the self-test that is required to be retained under
      § 1002.12(b)(6) when the information is needed to determine whether the privilege applies. This
      paragraph does not limit any other penalty or remedy that may be available for a violation of §
      1002.12 . (3) Limited use of privileged information. Notwithstanding paragraph (d)(1) of this section,
      the self-test report or results and any other information privileged under this section may be obtained
      and used by an applicant or government agency solely to determine a penalty or remedy after a violation
      of the Act or this part has been adjudicated or admitted. Disclosures for this limited purpose may
      be used only for the particular proceeding in which the adjudication or admission was made. Information
      disclosed under this paragraph (d)(3) remains privileged under paragraph (d)(1) of this section.
      CFR Toolbox Law about... Articles from Wex Table of Popular Names Parallel Table of Authorities
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    drafter_attestation: Verbatim subsection of 12 CFR § from Cornell LII snapshot 1f9d87c222186be7; body
      isolated between nav and notes; substring-verified.
  judgment: false
