usc 12 § 5495
Coordination (BANKS AND BANKING (12 U.S.C.))
Operative Text
The Bureau shall coordinate with the Commission, the Commodity Futures Trading Commission, the Federal Trade Commission, and other Federal agencies and State regulators, as appropriate, to promote consistent regulatory treatment of consumer financial and investment products and services.
Under 12 U.S.C. § 5495, the Consumer Financial Protection Bureau (CFPB) is required to work alongside other federal regulators—including the Securities and Exchange Commission, the Commodity Futures Trading Commission, and the Federal Trade Commission—as well as state regulators, to pursue consistent rules across consumer financial and investment products and services. The provision establishes an inter-agency coordination obligation rather than a specific consumer-facing right or prohibition. Its effect is to reduce the likelihood of conflicting or duplicative regulatory requirements across different agencies overseeing similar products.
Plain English — not legal advice.
Property owners and managers who offer financial products or services—such as certain escrow arrangements, rent-to-own agreements, or other consumer financial instruments—may find that 12 U.S.C. § 5495 shapes the regulatory landscape they operate within. Because this provision directs the CFPB to align its rules with those of other federal and state agencies, compliant operators generally monitor guidance from multiple regulators when those products touch both housing and consumer finance. Staying current with joint agency statements or coordinated rulemakings can help operators understand which agency's standards apply to a given product or service.
General guidance for property managers — not legal advice for your specific situation. Consult an attorney for advice on your case.
For tenants, 12 U.S.C. § 5495 means that the CFPB does not act in isolation when overseeing consumer financial products—it is expected to coordinate with other federal and state regulators to keep rules consistent. If a tenant believes a financial product or service connected to their housing arrangement is being regulated unfairly or inconsistently, they may consider filing a complaint with the CFPB, the relevant state regulator, or another agency whose jurisdiction may overlap under this coordination framework. Tenant-rights organizations can help identify which agency is the appropriate point of contact for a particular concern.
General guidance for tenants — not legal advice for your specific situation. Consult a tenant-rights organization or attorney for advice on your case.
Generated September 13, 2026 — auto-generated, not yet human-reviewed. See /transparency for methodology.
Effective Timeline
References Out
No outbound references recorded yet for this provision.
References In
No inbound references recorded yet for this provision.