Blog | Consumer Financial Protection Bureau

Policy and compliance

Published JUN 28, 2024

The CFPB is working to reinforce the foundation of a fair, nondiscriminatory and competitive mortgage market

CFPB’s HMDA enforcement cases and research focus on ensuring financial institutions comply with HMDA and Regulation C’s requirement to report complete and accurate mortgage lending information.

By Bobby Conner, Adrian Gonzalez, Danny Harris, and Hallie Ryan

Data, research, and reports

Published JUN 26, 2024

The CFPB's 2023 fair lending annual report to Congress

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 2023.

By Patrice Alexander Ficklin and J. Frank Vespa-Papaleo

Info for consumers

Published JUN 26, 2024

Reporte del 2023 de la CFPB al Congreso sobre equidad en el crédito | CFPB

La CFPB publica su Reporte Anual al Congreso sobre la equidad en el crédito, describiendo las actividades ejecutorias y de supervisión, de orientación y normativas, y de difusión y educación, realizadas durante el año 2023.

By Patrice Alexander Ficklin and J. Frank Vespa-Papaleo

Data, research, and reports

Published JUN 29, 2023

The CFPB's 2022 fair lending annual report to congress

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.

By Patrice Alexander Ficklin

Data, research, and reports

Published JUN 29, 2023

CFPB entrega al congreso el reporte anual del 2022 sobre equidad en el crédito

CFPB entrega al Congreso su Reporte Anual sobre la Equidad en el Crédito, describiendo nuestras actividades en el año 2022.

By Patrice Alexander Ficklin

Policy and compliance

Published DEC 06, 2022

Changes to HMDA’s closed-end loan reporting threshold

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

Data, research, and reports

Published NOV 30, 2022

Office of Research blog: Higher interest rates leading to higher debt burdens for mortgage borrowers

Mortgage interest rates rose sharply in recent months. New research reveals that these increases are impacting borrowers’ monthly payments and debt burdens.

By Feng Liu

At the CFPB Data, research, and reports

Published MAY 06, 2022

The CFPB’s 2021 Fair Lending Annual Report to Congress

This report describes our fair lending activities in supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach and education for calendar year 2021.

By Rohit Chopra

Data, research, and reports

Published JUN 14, 2021

HMDA Threshold Report Blog

Analysis and key findings from the report "A Brief Note on General Lending Patterns of Small to Medium Size Closed-end HMDA Reporters".

By Feng Liu and Alex Rodrigue

Data, research, and reports

Published APR 14, 2021

Protecting consumers through a pandemic: 2020 Fair Lending Report to Congress

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

Data, research, and reports

Published APR 30, 2020

Protecting consumers and encouraging innovation: 2019 Fair Lending Report to Congress

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

At the CFPB Data, research, and reports

Published JUL 19, 2019

A report on the Bureau’s Building a Bridge to Credit Visibility Symposium

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

At the CFPB Data, research, and reports

Published JUN 28, 2019

Encouraging innovation in expanding credit access: 2018 Fair Lending Report to Congress

This report describes our fair lending activities in supervision, enforcement, guidance and rulemaking, interagency coordination, and outreach for calendar year 2018.

By Patrice Alexander Ficklin

Data, research, and reports

Published DEC 04, 2018

Promoting fair, equitable, and nondiscriminatory access to credit: 2017 Fair Lending Report

The Bureau’s annual Fair Lending Report to Congress highlights 2017 work to promote fair, equitable, and nondiscriminatory access to credit.

By Patrice Alexander Ficklin

Policy and compliance

Published AUG 22, 2017

Here’s what you need to know about the new FFIEC HMDA Examiner Transaction Testing Guidelines

Learn more about the new Home Mortgage Disclosure Act (HMDA) Resubmission Guidelines for all financial institutions that report HMDA data.

By Tim Lambert and Eric Wang

Info for consumers

Published APR 14, 2017

Safeguarding against credit discrimination: 2016 Fair Lending Report

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...

By Patrice Alexander Ficklin

Policy and compliance

Published APR 13, 2017

We are proposing changes to Regulation C to help industry comply and are looking for your feedback

We are seeking comment on our proposal to clarify, make technical corrections, and minor changes to the data that financial institutions are required to...

By Terry J. Randall

Policy and compliance

Published MAR 24, 2017

The Consumer Bureau is proposing changes to Regulation B to help mortgage lenders and is looking for your feedback

We are seeking comment on our proposal to increase flexibility for mortgage lenders in collecting certain information.

By James Wylie

Policy and compliance

Published JUN 06, 2016

eRegulations updated with Regulations X, C, and more

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...

By Andrea Edmonds, Adam Scott, and Dan Sokolov

Policy and compliance

Published NOV 20, 2015

Fall 2015 rulemaking agenda

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...

By Kelly Cochran

Info for consumers

Published OCT 15, 2015

CFPB’s new rule will shine light on mortgage market practices

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...

By Ren Essene

Data, research, and reports

Published SEP 22, 2015

HMDA data shows more people took out a mortgage to purchase a home in 2014 than 2013

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...

By Jessica Russell

Info for consumers Policy and compliance

Published JUL 21, 2015

The Know Before You Owe mortgage rule will take effect October 3, 2015

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...

By Diane Thompson

At the CFPB

Published MAY 22, 2015

Spring 2015 rulemaking agenda

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...

By Kelly Cochran

Data, research, and reports

Published APR 28, 2015

We’re making progress toward ensuring fair access to credit

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...

By Patrice Alexander Ficklin