The Consumer Financial Protection Bureau

Name: The Consumer Financial Protection Bureau API
Brand: The Consumer Financial Protection Bureau
Availability: InStock

★ Only Publicly Available OpenAPI DocumentFinanceBankingnone6 EndpointsREST

For Agents

Query U.S. Home Mortgage Disclosure Act (HMDA) data published by the Consumer Financial Protection Bureau, including dataset listings, concept lookups, and slice queries with metadata.

Quickstart

Get started with The Consumer Financial Protection Bureau in minutes using your preferred integration method.

# Add to your MCP client config (Claude Desktop, Cursor, Windsurf)
{
  "jentic": {
    "url": "https://api.jentic.com/mcp",
    "auth": "oauth"
  }
}

# Then ask your agent:
"query CFPB HMDA mortgage data"

# → Jentic returns the GET /events tool with parameter schema, agent executes.

Capabilities

What an agent can do with The Consumer Financial Protection Bureau API.

List available CFPB datasets exposed through the data endpoint

Retrieve HMDA dataset records by dataset id

Look up HMDA concepts such as loan purpose, action taken, and applicant race code definitions

Query HMDA data slices for filtered subsets of mortgage application records

GET STARTED

Start building with The Consumer Financial Protection Bureau API

Explore with Jentic

View OpenAPI Document

Jentic publishes the only available OpenAPI document for The Consumer Financial Protection Bureau, keeping it validated and agent-ready.

Jentic publishes the only available OpenAPI specification for The Consumer Financial Protection Bureau, keeping it validated and agent-ready. The CFPB API exposes Home Mortgage Disclosure Act (HMDA) data through dataset, concept, and slice endpoints so researchers, journalists, and fintech teams can query mortgage application and origination records by geography, lender, demographic group, and loan type. The six endpoints return JSON for programmatic use without an API key.

Use Cases

Patterns agents use The Consumer Financial Protection Bureau API for, with concrete tasks.

★ Fair-Lending Research and Reporting

Academic researchers, journalists, and consumer-advocacy groups query HMDA data to analyse mortgage origination and denial patterns across demographic groups, lenders, and geographies. The CFPB API returns slice-level results with metadata describing columns and value lists, so analyses can be reproduced and audited. Results power studies and articles on disparities in home lending without requiring bulk data downloads.

Retrieve the HMDA slice for 2022 originations filtered to property_type='one-to-four-family' and county='06037' and aggregate counts by applicant_race

Lender Benchmarking for Fintech Underwriting

Mortgage fintech teams pull HMDA records to benchmark a lender's denial rates, average loan amounts, and demographic mix against peers in the same metropolitan statistical area. The slice endpoints support filter parameters and the metadata endpoint documents which columns can be filtered, making automated benchmarking pipelines feasible. Pulled data can feed downstream credit-policy or marketing models.

Pull HMDA slice for action_taken=3 (denied) by lender lei in MSA 31080 for 2022 and compute denial rate per lender

Public Data Journalism

Newsrooms generate maps and charts of mortgage activity by pulling HMDA slices keyed to census tract or county. Concept lookups translate code values such as 1, 2, 3 in action_taken into human-readable labels, so visualisations can be labelled correctly without a separate code dictionary. Because the API requires no key, production stories can launch without procurement delays.

Fetch the HMDA concept definition for action_taken and map each code to a label, then query slice data for ZIP-region tracts and produce a county-level denial-rate table

AI Agent Mortgage Data Lookup via Jentic

An AI agent embedded in a research or compliance tool uses Jentic to discover and call CFPB HMDA endpoints when a user asks about home lending data. Jentic returns the matching operation, schema, and concept definitions, and the agent can chain a concept lookup with a slice query in one workflow. No credentials are required because the API is open data.

Search Jentic for 'query CFPB HMDA mortgage data', load the slice endpoint schema, and execute a query for 2022 originations in the Chicago MSA grouped by applicant_race

Key Endpoints

6 endpoints — jentic publishes the only available openapi specification for the consumer financial protection bureau, keeping it validated and agent-ready.

METHOD

PATH

DESCRIPTION

GET

/data

List available CFPB datasets

GET

/data/{dataset}

Retrieve a specific dataset by id

GET

/data/hmda

Entry point for HMDA dataset access

GET

/data/hmda/concept/{concept}

Look up an HMDA concept code definition

GET

/data/hmda/slice/{slice}

Query a filtered HMDA data slice

GET

/data/hmda/slice/{slice}/metadata

Retrieve column metadata for an HMDA slice

GET

/data

List available CFPB datasets

GET

/data/{dataset}

Retrieve a specific dataset by id

GET

/data/hmda

Entry point for HMDA dataset access

GET

/data/hmda/concept/{concept}

Look up an HMDA concept code definition

GET

/data/hmda/slice/{slice}

Query a filtered HMDA data slice

Why though Jentic?

Three things that make agents converge on Jentic-routed access.

Credential isolation

The CFPB HMDA API requires no credentials. Jentic still wraps the call in MAXsystem so that audit logs, rate-limit handling, and request signing for any future authenticated CFPB endpoints stay consistent with other tools the agent uses.

Intent-based discovery

Agents search Jentic by intent (e.g. 'query CFPB mortgage data') and Jentic returns the matching slice or concept operation with its input schema, so the agent calls the right endpoint without browsing the CFPB developer pages.

Time to first call

Direct CFPB integration: 1-2 days to learn the slice query grammar, concept code values, and metadata semantics. Through Jentic: under 30 minutes to search, load schema, and execute.

Related APIs

Alternatives and complements available in the Jentic catalogue.

Complementary

U.S. Census Bureau API

Census provides demographic and geographic context that pairs with HMDA mortgage records.

Use Census to map HMDA tract-level mortgage activity onto population, income, or housing-unit context for fair-lending analysis.

Complementary

Data.gov Catalog API

Data.gov indexes federal datasets, including links to CFPB resources, for dataset discovery.

Use Data.gov when the agent needs to discover which federal dataset answers the question; use CFPB directly when HMDA is already the known source.

Alternative

SEC EDGAR API

SEC EDGAR exposes corporate financial filings rather than household mortgage data.

Choose SEC for public-company financials and disclosures; choose CFPB for household mortgage application and origination data.

FAQs

Specific to using The Consumer Financial Protection Bureau API through Jentic.

Why is there no official OpenAPI spec for The Consumer Financial Protection Bureau?

The CFPB does not publish an OpenAPI specification. Jentic generates and maintains this spec so that AI agents and developers can call the CFPB HMDA API via structured tooling. It is validated against the live API and kept up to date. Get started at https://app.jentic.com/sign-up.

What authentication does The Consumer Financial Protection Bureau API use?

The CFPB HMDA API is open data and does not require authentication or an API key. Through Jentic the request is executed directly against api.consumerfinance.gov with no credentials in agent context.

Can I query HMDA mortgage data with The Consumer Financial Protection Bureau API?

Yes. GET /data/hmda/slice/{slice} returns filtered HMDA records and GET /data/hmda/slice/{slice}/metadata returns the column definitions for that slice. Concept code definitions such as action_taken values are available at GET /data/hmda/concept/{concept}.

What are the rate limits for The Consumer Financial Protection Bureau API?

CFPB does not publish hard rate limits for the public HMDA API but heavy or repeated bulk pulls should be paginated and cached. Through Jentic, retries with exponential backoff are handled at the SDK level so agents do not need to implement throttling logic themselves.

How do I look up an HMDA code definition with The Consumer Financial Protection Bureau API through Jentic?

Run `jentic.search('look up an HMDA concept definition')`, load the operation, and execute with the concept name (for example action_taken). Jentic resolves this to GET /data/hmda/concept/{concept} and returns the value list.

Is The Consumer Financial Protection Bureau API free?

Yes. CFPB HMDA data is published as open government data and the API is free to use under the agency's data licence. There are no paid tiers or quotas associated with this API.