Consumer Financial Protection Bureau (CFPB)

The Consumer Financial Protection Bureau (CFPB) provides public REST APIs for searching consumer financial complaint data, accessing Home Mortgage Disclosure Act (HMDA) mortgage lending records, and retrieving regulatory filing data. These APIs support financial researchers, journalists, developers, and the general public in understanding consumer financial markets and lending practices across the United States.

Consumer Financial Protection Bureau (CFPB) publishes 11 APIs on the APIs.io network, including Aggregations API, Complaints API, CSV API, and 8 more. Tagged areas include Consumer Finance, Government, Complaints, Mortgage, and HMDA.

The Consumer Financial Protection Bureau (CFPB) catalog on APIs.io includes 1 JSON-LD context and 1 Spectral governance ruleset.

Consumer Financial Protection Bureau (CFPB)’s developer surface includes authentication, documentation, engineering blog, pricing, and 15 more developer resources.

🌐 Visit website 📡 Source on GitHub

40.9/100 developing ▬ flat Agent 20/100 agent aware saas · CC0-1.0 Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

3 APIs

Consumer Finance Government Complaints MortgageHMDAFinancial Data Regulatory Open Data

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 40.9/100 · developing

Contract Quality 10.6 / 19

Developer Ergonomics 3.6 / 15

Access Clarity 5.9 / 15

Operational Transparency 3.6 / 10

Contract Governance 0.9 / 9

Discoverability 5.6 / 8

Regulatory Posture 4.7 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 20/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Regulatory Posture applies to this provider. Its tags matched the Government & Public Sector regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/cfpb: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

APIs 11

Individual APIs this provider publishes, each with its own machine-readable definition.

Consumer Financial Protection Bureau (CFPB) Aggregations API

Aggregated HMDA data reports

Consumer Financial Protection Bureau (CFPB) Complaints API

These endpoints provide access to consumer complaints

Consumer Financial Protection Bureau (CFPB) CSV API

HMDA data as CSV downloads

Consumer Financial Protection Bureau (CFPB) Edits API

Submission edit and validation reports

Consumer Financial Protection Bureau (CFPB) Filers API

HMDA filing institution information

Consumer Financial Protection Bureau (CFPB) Filings API

HMDA filing management

Consumer Financial Protection Bureau (CFPB) Health API

Service health check

Consumer Financial Protection Bureau (CFPB) Institutions API

Financial institution information

Consumer Financial Protection Bureau (CFPB) Submissions API

HMDA data submission management

Consumer Financial Protection Bureau (CFPB) Trends API

These endpoints provide access aggregated consumer complaint data

Consumer Financial Protection Bureau (CFPB) Typeahead API

These endpoints support the typeahead boxes in the UI

Scroll for all 11

Open Collections 12

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

API Collection

OPEN COLLECTION

Consumer Complaint Database Aggregations API

OPEN COLLECTION

Consumer Complaint Database Aggregations Complaints API

OPEN COLLECTION

Consumer Complaint Database Aggregations CSV API

OPEN COLLECTION

Consumer Complaint Database Aggregations Edits API

OPEN COLLECTION

Consumer Complaint Database Aggregations Filers API

OPEN COLLECTION

Consumer Complaint Database Aggregations Filings API

OPEN COLLECTION

Consumer Complaint Database Aggregations Health API

OPEN COLLECTION

Consumer Complaint Database Aggregations Institutions API

OPEN COLLECTION

Consumer Complaint Database Aggregations Submissions API

OPEN COLLECTION

Consumer Complaint Database Aggregations Trends API

OPEN COLLECTION

Consumer Complaint Database Aggregations Typeahead API

OPEN COLLECTION

Scroll for all 12

Pricing Plans 1

Published pricing tiers and plan structures.

Cfpb Plans Pricing

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Cfpb Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Cfpb Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Cfpb Context

2 classes · 39 properties

JSON-LD

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs.

Consumer Financial Protection Bureau (CFPB) API Rules

5 rules · 4 warnings 1 info

SPECTRAL

JSON Schema 2

Standalone JSON Schema definitions for this provider's data models.

Complaint

17 properties

JSON SCHEMA

HMDA Loan Application Register (LAR) Record

28 properties

JSON SCHEMA

Examples 2

Example request and response payloads for these APIs.

Cfpb Complaint Example

17 fields

EXAMPLE

Cfpb Hmda Aggregation Example

2 fields

EXAMPLE

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Cfpb Authentication

http · 1 scheme

SECURITY

Cfpb Domain Security

TLSv1.3 · DNSSEC · DMARC

SECURITY

Agentic Access 1

Recommended x-agentic-access execution contracts for AI agents.

Cfpb Agentic Access

26 operations · 5 acting

AGENTIC

Resources

Documentation 2

Reference material describing how the API behaves

ContributionGuide

ContributionGuide

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Build 1

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 4

Status, limits, changes, and where to get help

IssueTracker

Releases

StatusPage

RateLimits

Commercial 4

Pricing, plans, and the legal terms of use

License

Pricing

Plans

FinOps

Company 3

The organization behind the API

Website

Website

LinkedIn

Blog

Blog

Other 2

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: cfpb
name: Consumer Financial Protection Bureau (CFPB)
description: The Consumer Financial Protection Bureau (CFPB) provides public REST APIs for searching consumer financial complaint
  data, accessing Home Mortgage Disclosure Act (HMDA) mortgage lending records, and retrieving regulatory filing data. These
  APIs support financial researchers, journalists, developers, and the general public in understanding consumer financial
  markets and lending practices across the United States.
type: Index
deliveryModel:
  model: saas
  license: CC0-1.0
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - license
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source:
  - plans
  - authentication
  - security
  generated: '2026-09-03'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cfpb.png
url: https://raw.githubusercontent.com/api-evangelist/cfpb/refs/heads/main/apis.yml
created: '2026-06-13'
modified: '2026-06-13'
specificationVersion: '0.23'
tags:
- Consumer Finance
- Government
- Complaints
- Mortgage
- HMDA
- Financial Data
- Regulatory
- Open Data
apis:
- aid: cfpb:cfpb-aggregations-api
  name: Consumer Financial Protection Bureau (CFPB) Aggregations API
  description: Aggregated HMDA data reports
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Aggregations
  properties:
  - type: OpenAPI
    url: openapi/cfpb-aggregations-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-complaints-api
  name: Consumer Financial Protection Bureau (CFPB) Complaints API
  description: These endpoints provide access to consumer complaints
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Complaints
  properties:
  - type: OpenAPI
    url: openapi/cfpb-complaints-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-csv-api
  name: Consumer Financial Protection Bureau (CFPB) CSV API
  description: HMDA data as CSV downloads
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - CSV
  properties:
  - type: OpenAPI
    url: openapi/cfpb-csv-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-edits-api
  name: Consumer Financial Protection Bureau (CFPB) Edits API
  description: Submission edit and validation reports
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Edits
  properties:
  - type: OpenAPI
    url: openapi/cfpb-edits-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-filers-api
  name: Consumer Financial Protection Bureau (CFPB) Filers API
  description: HMDA filing institution information
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Filers
  properties:
  - type: OpenAPI
    url: openapi/cfpb-filers-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-filings-api
  name: Consumer Financial Protection Bureau (CFPB) Filings API
  description: HMDA filing management
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Filings
  properties:
  - type: OpenAPI
    url: openapi/cfpb-filings-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-health-api
  name: Consumer Financial Protection Bureau (CFPB) Health API
  description: Service health check
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Health
  properties:
  - type: OpenAPI
    url: openapi/cfpb-health-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-institutions-api
  name: Consumer Financial Protection Bureau (CFPB) Institutions API
  description: Financial institution information
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Institutions
  tags_raw:
  - Institutions
  properties:
  - type: OpenAPI
    url: openapi/cfpb-institutions-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-submissions-api
  name: Consumer Financial Protection Bureau (CFPB) Submissions API
  description: HMDA data submission management
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Submissions
  properties:
  - type: OpenAPI
    url: openapi/cfpb-submissions-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-trends-api
  name: Consumer Financial Protection Bureau (CFPB) Trends API
  description: These endpoints provide access aggregated consumer complaint data
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Trends
  properties:
  - type: OpenAPI
    url: openapi/cfpb-trends-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
- aid: cfpb:cfpb-typeahead-api
  name: Consumer Financial Protection Bureau (CFPB) Typeahead API
  description: These endpoints support the typeahead boxes in the UI
  humanURL: https://cfpb.github.io/api/ccdb/
  baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
  tags:
  - Typeahead
  properties:
  - type: OpenAPI
    url: openapi/cfpb-typeahead-api-openapi.yml
  - type: Documentation
    url: https://cfpb.github.io/api/ccdb/api.html
  - type: GitHubRepository
    url: https://github.com/cfpb/ccdb5-api
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/api/data-browser/
  - type: GitHubRepository
    url: https://github.com/cfpb/hmda-platform
  - type: Documentation
    url: https://ffiec.cfpb.gov/documentation/category/developer-apis
common:
- type: CapabilityMap
  url: capabilities/cfpb-capability-edges.yml
  name: Consumer Financial Protection Bureau (CFPB) Business Capability Map
- type: IssueTracker
  url: https://github.com/cfpb/ccdb5-api/issues
- type: Releases
  url: https://github.com/cfpb/ccdb5-api/releases
- type: ContributionGuide
  url: https://github.com/cfpb/ccdb5-api/blob/main/CONTRIBUTING.md
- type: License
  name: CC0-1.0
  url: https://github.com/cfpb/ccdb5-api/blob/main/LICENSE
- type: AgenticAccess
  url: agentic-access/cfpb-agentic-access.yml
- type: DomainSecurity
  url: security/cfpb-domain-security.yml
- type: Authentication
  url: authentication/cfpb-authentication.yml
- type: Website
  url: https://www.consumerfinance.gov/
- type: Documentation
  url: https://cfpb.github.io/
- type: GitHubOrg
  url: https://github.com/cfpb
- type: LinkedIn
  url: https://www.linkedin.com/company/consumer-financial-protection-bureau/
- type: Blog
  url: https://www.consumerfinance.gov/about-us/blog/
- type: Pricing
  url: https://www.consumerfinance.gov/data-research/
- type: StatusPage
  url: https://www.consumerfinance.gov/
- type: X
  url: https://twitter.com/CFPB
- type: Plans
  url: plans/cfpb-plans-pricing.yml
- type: RateLimits
  url: rate-limits/cfpb-rate-limits.yml
- type: FinOps
  url: finops/cfpb-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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