CFPB Releases List of Rural and Underserved Counties

March 6, 2018

The Consumer Financial Protection Bureau released on March 6 the 2018 list of rural and underserved counties and a separate 2018 list that includes only rural counties.

The CFPB also has updated the rural and underserved areas tool on its website for 2018. The lists and the tool help creditors determine whether a property is located in a rural or underserved area for purposes of applying certain regulatory provisions related to mortgage loans.

A creditor that makes a first-lien mortgage loan secured by a property located in a rural or underserved area during 2018 meets the requirements to be a creditor that operates in rural or underserved areas during 2019 and for loan applications received before April 1, 2020.

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