source:
  type: regulation
  id: reg-b-1002.13
  authority: 12 CFR §1002.13 — Information for monitoring purposes
  description: 'Regulation B §1002.13 requires [LENDER] to request monitoring

    information (ethnicity/race, sex, marital status, age) for

    dwelling-secured consumer-purpose credit applications.

    '
obligations:
- id: reg-b-1002.13-a
  canonical_id: reg-b-1002.13-a
  section: 12 CFR §1002.13(a)
  description: '(a): (a) Information to be requested. (1) A creditor that receives an application for
    credit primarily for the purchase or refinancing of a dwelling occupied or to be occupied by the applicant
    as a principal residence, where the extension of credit will be secured by the dwelling , shall request
    as part …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.13(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.13
    snapshot_id: 958d1e52bdf62c8f
    fetched_at: '2026-05-22T18:23:03Z'
    content_hash: sha256:087d57184ba70f78ff29c297fa95a5938830357da17dc6307810409dc67a4132
    paragraph_quote: '(a) Information to be requested. (1) A creditor that receives an application for
      credit primarily for the purchase or refinancing of a dwelling occupied or to be occupied by the
      applicant as a principal residence, where the extension of credit will be secured by the dwelling
      , shall request as part of the application the following information regarding the applicant(s):'
    drafter_attestation: Verbatim subsection of 12 CFR §1002.13 from Cornell LII snapshot 958d1e52bdf62c8f;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.13-i
  canonical_id: reg-b-1002.13-i
  section: 12 CFR §1002.13(i)
  description: '(i): (i) Ethnicity and race using either: (A) For ethnicity, the aggregate categories
    Hispanic or Latino and not Hispanic or Latino; and, for race, the aggregate categories American Indian
    or Alaska Native, Asian, Black or African American, Native Hawaiian or Other Pacific Islander, and
    White; or (B) The…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.13(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.13
    snapshot_id: 958d1e52bdf62c8f
    fetched_at: '2026-05-22T18:23:03Z'
    content_hash: sha256:087d57184ba70f78ff29c297fa95a5938830357da17dc6307810409dc67a4132
    paragraph_quote: '(i) Ethnicity and race using either: (A) For ethnicity, the aggregate categories
      Hispanic or Latino and not Hispanic or Latino; and, for race, the aggregate categories American
      Indian or Alaska Native, Asian, Black or African American, Native Hawaiian or Other Pacific Islander,
      and White; or (B) The categories and subcategories for the collection of ethnicity and race set
      forth in appendix B to 12 CFR part 1003 . (ii) Sex; (iii) Marital status , using the categories
      married, unmarried, and separated; and (iv) Age. (2) Dwelling means a residential structure that
      contains one to four units, whether or not that structure is attached to real property. The term
      includes, but is not limited to, an individual condominium or cooperative unit and a mobile or other
      manufactured home.'
    drafter_attestation: Verbatim subsection of 12 CFR §1002.13 from Cornell LII snapshot 958d1e52bdf62c8f;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.13-b
  canonical_id: reg-b-1002.13-b
  section: 12 CFR §1002.13(b)
  description: '(b): (b) Obtaining information. Questions regarding ethnicity, race, sex, marital status
    , and age may be listed, at the creditor ''s option, on the application form or on a separate form
    that refers to the application . The applicant(s) shall be asked but not required to supply the requested
    information.…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.13(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.13
    snapshot_id: 958d1e52bdf62c8f
    fetched_at: '2026-05-22T18:23:03Z'
    content_hash: sha256:087d57184ba70f78ff29c297fa95a5938830357da17dc6307810409dc67a4132
    paragraph_quote: (b) Obtaining information. Questions regarding ethnicity, race, sex, marital status
      , and age may be listed, at the creditor 's option, on the application form or on a separate form
      that refers to the application . The applicant(s) shall be asked but not required to supply the
      requested information. If the applicant(s) chooses not to provide the information or any part of
      it, that fact shall be noted on the form. The creditor shall then also note on the form, to the
      extent possible, the ethnicity, race, and sex of the applicant(s) on the basis of visual observation
      or surname. When a creditor collects ethnicity and race information pursuant to § 1002.13(a)(1)(i)(B)
      , the creditor must comply with any restrictions on the collection of an applicant 's ethnicity
      or race on the basis of visual observation or surname set forth in appendix B to 12 CFR part 1003
      . If there is more than one co-applicant, a creditor is permitted, but is not required, to collect
      the information set forth in paragraph (a) of this section from a second or additional co-applicant.
    drafter_attestation: Verbatim subsection of 12 CFR §1002.13 from Cornell LII snapshot 958d1e52bdf62c8f;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.13-c
  canonical_id: reg-b-1002.13-c
  section: 12 CFR §1002.13(c)
  description: '(c): (c) Disclosure to applicant(s). The creditor shall inform the applicant(s) that the
    information regarding ethnicity, race, sex, marital status , and age is being requested by the Federal
    Government for the purpose of monitoring compliance with Federal statutes that prohibit creditors
    from discrimina…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.13(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.13
    snapshot_id: 958d1e52bdf62c8f
    fetched_at: '2026-05-22T18:23:03Z'
    content_hash: sha256:087d57184ba70f78ff29c297fa95a5938830357da17dc6307810409dc67a4132
    paragraph_quote: (c) Disclosure to applicant(s). The creditor shall inform the applicant(s) that the
      information regarding ethnicity, race, sex, marital status , and age is being requested by the Federal
      Government for the purpose of monitoring compliance with Federal statutes that prohibit creditors
      from discriminating against applicants on those bases. The creditor shall also inform the applicant(s)
      that if the applicant(s) chooses not to provide the information, the creditor is required to note
      the ethnicity, race and sex on the basis of visual observation or surname.
    drafter_attestation: Verbatim subsection of 12 CFR §1002.13 from Cornell LII snapshot 958d1e52bdf62c8f;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: reg-b-1002.13-d
  canonical_id: reg-b-1002.13-d
  section: 12 CFR §1002.13(d)
  description: '(d): (d) Substitute monitoring program. A monitoring program required by an agency charged
    with administrative enforcement under section 704 of the Act may be substituted for the requirements
    contained in paragraphs (a), (b), and (c) of this section. [ 76 FR 79445 , Dec. 21, 2011, as amended
    at 82 FR 456…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1002.13(a)(1)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1002.13
    snapshot_id: 958d1e52bdf62c8f
    fetched_at: '2026-05-22T18:23:03Z'
    content_hash: sha256:087d57184ba70f78ff29c297fa95a5938830357da17dc6307810409dc67a4132
    paragraph_quote: (d) Substitute monitoring program. A monitoring program required by an agency charged
      with administrative enforcement under section 704 of the Act may be substituted for the requirements
      contained in paragraphs (a), (b), and (c) of this section. [ 76 FR 79445 , Dec. 21, 2011, as amended
      at 82 FR 45694 , Oct. 2, 2017] 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 §1002.13 from Cornell LII snapshot 958d1e52bdf62c8f;
      body isolated between nav and notes; substring-verified.
  judgment: false
