Home Mortgage Disclosure Act rule implementation

Resources to help industry understand, implement, and comply with the Home Mortgage Disclosure Act and Regulation C.

July 21, 2016 – The Bureau published a webinar that provides an overview of the HMDA final rule and addresses institutional and transactional coverage, the data collection and submission process, as well as some key dates found in the final rule.

Watch the webinar

Rule

Home Mortgage Disclosure Act rule

Guides

Small entity compliance guide

Quick references

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

Key dates timeline - One page overview of the effective dates for different elements of the rule.

2017 HMDA institutional coverage chart – Reference tool illustrating the criteria to help determine whether an institution is covered by Regulation C in 2017.

2018 HMDA institutional coverage chart – Reference tool illustrating the criteria to help determine whether an institution is covered by Regulation C in 2018 and thereafter.

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 for when to report HMDA data as "not applicable".

Videos

Overview of the HMDA final rule (if you do not have access to YouTube you may watch the video here ), also available is a copy of the presentation – Aug. 16, 2016

Supervision and examination materials

CFPB Supervision and Examination manual – Guide to how the CFPB will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.

Supervisory highlights

Additional materials

Sample data collection form  – Demographic information of applicant or co-applicant (Effective Jan 1. 2018).

Data submission resources for HMDA filers