The CFPB releases its Fair Lending Annual Report to Congress, describing its fair lending activities in enforcement and supervision; guidance and rulemaking; interagency coordination; and outreach and education for calendar year 2022.
The threshold for reporting data on closed-end mortgage loans is 25 loans in each of the two preceding calendar years, as established by the 2015 HMDA Final Rule.
By
Woody Anglade,
Patrice Alexander Ficklin,
and
Timothy Lambert
Mortgage interest rates rose sharply in recent months. New research reveals that these increases are impacting borrowers’ monthly payments and debt burdens.
This report describes our fair lending activities in supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach and education for calendar year 2021.
This report describes our fair lending activities in supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach and education for calendar year 2020.
By
Patrice Alexander Ficklin
and
Frank Vespa-Papaleo
This report describes our fair lending activities in innovation, outreach, prioritization, guidance and rulemaking, supervision, and enforcement for calendar year 2019.
By
Patrice Alexander Ficklin
and
Frank Vespa-Papaleo
This report on the Bureau’s September 17th, 2018 Building a Bridge to Credit Visibility Symposium summarizes the panel discussions that took place during the event and highlights the key themes that stood out from those conversations.
By
Patrice Alexander Ficklin
and
J Frank Vespa-Papaleo
This report describes our fair lending activities in supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2018.
This week, we're releasing our fifth Fair Lending Report. Read about the actions we took last year to protect people from credit discrimination and what we...
We are seeking comment on our proposal to clarify, make technical corrections, and minor changes to the data that financial institutions are required to...
CFPB's eRegulations is a web-based tool that makes regulations easier to find, read and understand. We have expanded the tool to include three additional...
An important part of the CFPB's mandate from Congress is to make rules governing consumer finance markets more effective and to create new rules when...
Today the CFPB is updating the Home Mortgage Disclosure Act (HMDA) requirements with a new rule that will shine more light on lending practices in America's...
As part of our work to educate consumers to make informed financial decisions, we at the CFPB—along with the other members of the FFIEC—are committed to...
Today, we're issuing a final rule delaying the effective date for the Know Before You Owe mortgage disclosure rule to October 3, 2015. The Know Before You...
An important part of our mandate is to make rules more effective and create new rules when necessary. Today, we're posting a semi-annual update of our...
We're releasing our third annual Fair Lending Report, which details the important strides we have taken over the last year to protect consumers from credit...
Last year, we released a web-based tool that provides the public with easier access to mortgage data for 2007 through 2012. Today, we're updating the...
During the event, we participated and watched representatives from traditionally disconnected groups work together on some of the most pressing issues...
We’ve created, refined, and implemented a process to focus our supervisory work on areas that present higher risk to consumers when it comes to fair lending.