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Consumer Financial Protection Bureau

1700 G Street NW., Washington, DC 20552


Office of the Director

Office of the Director
DIRECTOR Kathleen L. Kraninger
Deputy Director Brian Johnson, Acting

Chief Communications Officer / Spokesperson John Czwartacki
Chief of Staff Kirsten Sutton
Principal Policy Director Brian Johnson

Equal Opportunity and Fairness Althea Kireilis
Civil Rights M. Stacey Bach
Minority and Women Inclusion (vacancy)
Administrative Law Judge Christine Kirby
Ombudsman Wendy Kamenshine

Consumer Education and Engagement Division

Consumer Education and Engagement Division
Policy Associate Director Sheila Greenwood
Associate Director Gail Hillebrand

Community Affairs Daniel Dodd-Ramirez
Consumer Engagement Gene Koo
Consumer Response Christopher Johnson
Financial Education Janneke Ratcliffe
Financial Education—Students and Young Consumers (vacancy)
Older Americans Stacy Canan
Servicemember Affairs Patrick Campbell, Acting

External Affairs Division

External Affairs Division
Policy Associate Director Anthony Welcher
Associate Director Zixta Martinez

Advisory Board and Councils Delicia Hand
Financial Institutions and Business Liaison Daniel Smith
Intergovernmental Affairs Cheryl Parker Rose
Legislative Affairs Catherine Galicia
Public Engagement and Community Liaison Keo Chea

Legal Division

Legal Division
General Counsel Mary McLeod
Principal Deputy General Counsel Richard Lepley

General Law and Ethics Sonya White
Law and Policy Stephen Van Meter
Litigation and Oversight John Coleman

Operations Division

Operations Division
Chief Operating Officer Kate Fulton, Acting

Administrative Officer Martin Michalosky
Human Capital Jeffrey Sumberg
Information Jerry Horton
Financial Elizabeth Reilly
Procurement David Gragan

Research, Markets, and Regulations Division

Research, Markets, and Regulations Division
Policy Associate Director Thomas Pahl
Associate Director David Silberman

Card, Payment and Deposit Markets William Wade-Gery
Consumer Lending, Reporting and Collection Markets John McNamara
Mortgage Markets Mark McArdle
Small Business Lending Markets Grady Hedgespeth
Regulations Kelly Cochran
Research Ron Borzekowski

Supervision, Enforcement and Fair Lending Division

Supervision, Enforcement and Fair Lending Division
Policy Associate Director Eric Blankenstein
Associate Director Christopher D'Angelo

Enforcement Kristen Donoghue
Fair Lending and Equal Opportunity Patrice Ficklin
Supervision Examinations Paul Sanford
Supervision Policy Peggy Twohig

Midwest region John Schroeder
Northeast region Mitchell Kent
Southeast region James L. Carley
West region Edwin Chow

Office of Inspector General

Office of Inspector General
Inspector General Mark Bialek

The above list of key personnel was updated 12–2018.

The above list of key personnel was updated 12–2018.

The Consumer Financial Protection Bureau (CFPB) helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.

The Consumer Financial Protection Bureau (CFPB) is an independent Federal agency established by title X of the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2012 (12 U.S.C. 5491). The CFPB is headed by a Director whom the President appoints and the Senate confirms.


The Bureau regulates the offering and provision of consumer financial products and services under Federal consumer financial laws. It gives consumers the information they need to understand the terms of their agreements with financial companies. It also makes regulations and guidance as clear and streamlined as possible so providers of consumer financial products and services can understand and follow the rules without assistance.

The CFPB's principal activities center on writing rules, supervising companies, and enforcing Federal consumer financial protection laws; restricting unfair, deceptive, or abusive acts or practices; taking consumer complaints; promoting financial education; researching consumer behavior; monitoring financial markets for new risks to consumers; and enforcing laws that prohibit discrimination and other unfair treatment in consumer finance.

Sources of Information


The CFPB maintains a blog on its website.

Bureau Structure / Organizational Chart

The "Bureau Structure" web page offers visitors a two-dimensional representation of the CFPB's organizational structure, which also includes the names of officials filling key leadership positions.

Business Opportunities

Information on doing business with the CFPB is available online.

Career Opportunities

The CFPB posts new job openings online, as well as information on the application process and opportunities for students and recent graduates. | Email:

In 2018, the CFPB ranked 26th among 27 midsize Government agencies in the Partnership for Public Service's Best Places To Work Agency Rankings.

Consumer Help

The CFPB forwards financial product or service complaints to the company offering the product or service and then works to get an appropriate response. A form for filing a complaint and a searchable complaint database are accessible online. Assistance by phone is available on weekdays, excluding Federal holidays, 8 a.m.–8 p.m., eastern standard time. Phone, 855-411-2372. TTY/TDD, 855-729-2372.


The CFPB publishes research and posts consumer financial marketplace information online.

Educational Resources

Resources for educators, librarians, parents, and those who manage someone else's money are available online.

Fraud / Scams

The CFPB's online resources can help consumers prevent, recognize, and report scams and fraud.

Freedom of Information Act (FOIA)

A FOIA request may be submitted by email, fax, or letter. The CFPB recommends using email for making a submission. | Email:

Frequently Asked Questions (FAQs)

The CFPB website has clear and impartial answers to hundreds of financial questions. The topics covered include auto loans, bank accounts and services, credit cards, credit reports and scores, debt collection, families and money, money transfers, mortgages, payday loans, prepaid cards, and student loans. | Email:

Home Mortgage Disclosure Act (HMDA)

The CFPB's website features a 3-minute video that explains the purpose of the HMDA.

Invite the CFPB

Send an email to invite a CFPB employee to contribute to a publication or participate in a discussion, forum, or other event.


In Your Language

In the United States, the most widely spoken foreign languages are Chinese, French, Haitian Créole, Korean, Spanish, Tagalog (Filipino), and Vietnamese. To help those who speak these languages, the CFPB provides information in them for accessing common products and making basic transactions. Assistance by phone is available in more than 180 languages. Phone, 855-411-2372.


Blog posts, press releases, and speeches are accessible online. An online subscription form is available to receive press releases via email.

Open Government

The CFPB supports the Open Government initiative by promoting the principles of collaboration, participation, and transparency.

Organizational Chart

The CFPB is currently revising its organizational chart.

Plain Writing

CFPB editors and writers apply plain language principles in all of their consumer-oriented materials. They want to know if something on the CFPB website or in its printed materials is unclear. | Email:


CFPB publications, in English and Spanish, may be ordered in bulk online.

Social Media

The CFPB maintains a Facebook account.

The CFPB tweets announcements and other newsworthy items on Twitter.

The CFPB posts videos on its YouTube channel.


The CFPB wants to know about companies that may be breaking Federal consumer financial laws. A current or former employee of such a company, an industry insider who knows of such a company, or a competitor being unfairly undercut by such a company—people like these should report alleged violations to the CFPB. Phone, 855-695-7974. | Email: | Email:

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