The CFPB released a new online tool to help creditors determine if properties are located in rural or underserved areas. Creditors may rely on the tool to provide a safe harbor determination as allowed by Regulation Z. Users select a year and enter a property address to determine whether the property location is considered to be in a rural or underserved area. The tool also provides a template that can be used for a larger file upload, allowing users to search for multiple properties at a time. Access the tool.