name: CFPB API Rate Limits
description: The Consumer Financial Protection Bureau does not publish explicit rate limit policies for its public APIs. As a U.S. government agency, CFPB expects reasonable use of its public data APIs. The HMDA Data Browser API can stream large CSV datasets, and high-volume programmatic access should be coordinated with the CFPB tech team.
rateLimits:
  - api: Consumer Complaint Database API
    baseURL: https://www.consumerfinance.gov/data-research/consumer-complaints/search/api/v1/
    documented: false
    notes: No official rate limits published. API is publicly accessible without authentication. Reasonable use is expected. For high-volume access, contact tech@consumerfinance.gov.
    parameters:
      - name: size
        description: Number of results per page (max 100)
        default: 10
        max: 100
      - name: from
        description: Offset for pagination
        default: 0
  - api: HMDA Data Browser API
    baseURL: https://ffiec.cfpb.gov/v2/data-browser-api/
    documented: false
    notes: No official rate limits published. Nationwide CSV downloads can be large; streaming is used for data delivery. For large-scale data needs, bulk data files are available via the HMDA data publications page.
    bulkDownload: https://ffiec.cfpb.gov/data-publication
  - api: HMDA Platform Filing API
    baseURL: https://ffiec.cfpb.gov/
    documented: false
    notes: Used by regulated financial institutions for annual HMDA submissions. Rate limits not published; usage is inherently low-frequency (annual filing cycles).
contacts:
  - type: Technical Support
    email: tech@consumerfinance.gov
    notes: Contact for high-volume API access requests or technical issues
recommendations:
  - Implement caching to avoid redundant requests to the Consumer Complaint Database API
  - Use pagination (size and from parameters) for large result sets
  - For bulk complaint data, consider downloading the full dataset from the CFPB data publications page rather than paginating through the API
  - For HMDA bulk data, use the CSV download endpoints or annual data files rather than the aggregation API