🇺🇸 Live Construction & Real Estate

Regulation B (12 CFR 1002)

Prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, sex, marital status, age, or receipt of public assistance. Applies to creditors, including banks, finance companies, and retailers that extend credit.

View official source document

Rules extracted

428

Obligations decomposed

14.3x

Avg obligations per rule

🇺🇸 United States

Jurisdiction

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

428

Obligations

14.3x

Decomposition ratio

Each rule is decomposed into an average of 14.3 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 428 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in Regulation B is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: Regulation B (12 CFR 1002)
Regulatory body: Consumer Financial Protection Bureau
Jurisdiction: 🇺🇸 United States
Document type: regulation
Effective date: October 28, 1975
Industry: Construction & Real Estate
Official source: View source document ↗

Who this applies to

creditorsbankscredit unionsmortgage lendersauto lenderscredit card issuers

Key requirements

non-discrimination in lending
adverse action notices
application data collection
appraisal copy delivery
record retention requirements

Frequently asked questions about Regulation B

What is Regulation B?

Who does Regulation B apply to?

Regulation B applies to creditors, banks, credit unions, mortgage lenders, auto lenders, credit card issuers.

How many obligations does Regulation B contain?

AuditDSS has decomposed Regulation B into 428 atomic obligations from 30 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of Regulation B?

The key requirements include: non-discrimination in lending, adverse action notices, application data collection, appraisal copy delivery, record retention requirements.

How can I assess my Regulation B compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 428 Regulation B obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces Regulation B?

Regulation B is enforced in United States by Consumer Financial Protection Bureau.

When did Regulation B come into effect?

Regulation B became effective on October 28, 1975.

What industry does Regulation B apply to?

Regulation B is primarily relevant to the Construction & Real Estate industry. AuditDSS covers 82 regulations in this industry sector.

Build a Regulation B compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for Regulation B — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering Regulation B requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine Regulation B with other regulations into a single unified compliance pack for your business.

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Already have a policy? Assess it against Regulation B

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 428 obligations

Your document is scored against every obligation in Regulation B. Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.