Home Mortgage Disclosure Act rule implementation

Resources to help you comply.

Featured topic

CFPB announces HMDA file specifications for 2017 and 2018. 

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The rule

Home Mortgage Disclosure Act rule

Executive summary and effective dates

HMDA executive summary – Overview of changes to the HMDA rule issued Oct. 15, 2015

HMDA key dates timeline – One page overview of the effective dates for different elements of the rule

Compliance guide

HMDA compliance guide – Plain-language guide to the new rule (Published Dec. 1, 2015)

Institutional coverage charts

Does this Home Mortgage Disclosure Act rule apply to your institution? Start with these overviews.

2017 HMDA institutional coverage chart

2018 HMDA institutional coverage chart

Data collection and reporting

Reference tools for HMDA data collection, recording, and reporting.

2018 HMDA transactional coverage chart – Reference tool illustrating one approach to help determine whether a transaction is reportable under HMDA

Summary of reportable data – Reference tool for HMDA data required to be collected, recorded, and reported

Reporting “Not Applicable” – Reference tool on when to report HMDA data as not applicable

Sample data collection form – demographic information of applicant and co-applicant (Effective Jan. 1, 2018)

Data submission resources for HMDA filers


Overview of the HMDA final rule – July 14, 2016