offers or provides origination, brokerage, or servicing of loans secured by real estate for use by consumers primarily for personal, family, or household purposes, or loan modification or foreclosure relief services in connection with such loans;

is a larger participant of a market for other consumer financial products or services, as defined by rule in accordance with paragraph (2);

the Bureau has reasonable cause to determine, by order, after notice to the covered person and a reasonable opportunity for such covered person to respond, based on complaints collected through the system under section 5493(b)(3) of this title or information from other sources, that such covered person is engaging, or has engaged, in conduct that poses risks to consumers with regard to the offering or provision of consumer financial products or services;

offers or provides to a consumer any private education loan, as defined in section 1650 of title 15, notwithstanding section 5517(a)(2)(A) of this title and subject to section 5517(a)(2)(C) of this title; or

offers or provides to a consumer a payday loan.

assessing compliance with the requirements of Federal consumer financial law;

obtaining information about the activities and compliance systems or procedures of such person; and

detecting and assessing risks to consumers and to markets for consumer financial products and services.

the asset size of the covered person;

the volume of transactions involving consumer financial products or services in which the covered person engages;

the risks to consumers created by the provision of such consumer financial products or services;

the extent to which such institutions are subject to oversight by State authorities for consumer protection; and

any other factors that the Bureau determines to be relevant to a class of covered persons.

reports pertaining to persons described in subsection (a)(1) that have been provided or required to have been provided to a Federal or State agency; and

information that has been reported publicly.