Home mortgage disclosure reporting requirements (HMDA)
Resources to help industry understand, implement, and comply with the Home Mortgage Disclosure Act and Regulation C.
Featured topic
On September 9, 2024, the Bureau issued the 2024 Reportable HMDA Data: A regulatory and reporting overview reference chart .
Rule
Home Mortgage Disclosure Act rule
Regulation and official interpretations
Browse Regulation C (12 CFR 1003) on: Interactive Bureau Regulations | eCFR
Quick references
Executive summaries
2020 HMDA final rule executive summary
2019 HMDA final rule executive summary
2018 HMDA data disclosure policy guidance executive summary
2018 HMDA interpretive and procedural rule executive summary
2017 Equal Credit Opportunity Act final rule executive summary
2017 HMDA final rule executive summary
2015 HMDA final rule executive summary
Timelines and key dates
2020-2022 Key dates timeline – One page overview of the effective dates for different elements of the rule.
2015-2020 Key dates timeline – One page overview of the effective dates for different elements of the rule.
Data reporting
2024 Reportable HMDA Data: A regulatory and reporting overview reference chart – Reference tool for HMDA data required to be collected and recorded in 2024 and reported in 2025, as well as when and how to report HMDA data as “not applicable."
2023 Reportable HMDA Data: A regulatory and reporting overview reference chart – Reference tool for HMDA data required to be collected and recorded in 2023 and reported in 2024, as well as when and how to report HMDA data as “not applicable."
2022 Reportable HMDA Data: A regulatory and reporting overview reference chart – Reference tool for HMDA data required to be collected and recorded in 2022 and reported in 2023, as well as when and how to report HMDA data as “not applicable."
2021 Reportable HMDA Data: A regulatory and reporting overview reference chart – Reference tool for HMDA data required to be collected and recorded in 2021 and reported in 2022, as well as when and how to report HMDA data as “not applicable.”
2020 Reportable HMDA Data: A regulatory and reporting overview reference chart – Reference tool for HMDA data required to be collected and recorded in 2020 and reported in 2021, as well as when and how to report HMDA data as “not applicable.”
2019 Reportable HMDA Data: A regulatory and reporting overview reference chart – Reference tool for HMDA data required to be collected and recorded in 2019 and reported in 2020, as well as when and how to report that HMDA data as “not applicable.”
2018 Reportable HMDA Data: A regulatory and reporting overview reference chart – Reference tool for HMDA data required to be collected and recorded in 2018, and reported in 2019, as well as when and how to report that HMDA data as “not applicable.”
Coverage charts
Institutional coverage charts are reference tools illustrating the criteria to help determine whether an institution is covered by Regulation C. Transactional coverage charts are reference tools illustrating one approach to help determine whether a transaction is reportable under HMDA.
Effective January 1, 2023
Institutional coverage chart effective January 1, 2023
Transactional coverage chart effective January 1, 2023
Effective January 1, 2022
Institutional coverage chart effective January 1, 2022
Transactional coverage chart effective January 1, 2022
Effective July 1, 2020 through December 31, 2021
Institutional coverage chart effective July 1, 2020
Transactional coverage chart effective July 1, 2020
Effective January 1, 2018 through June 30, 2020
Institutional coverage chart effective January 1, 2018
Transactional coverage chart effective January 1, 2018
Effective January 1, 2017 through December 31, 2017
Institutional coverage chart effective January 1, 2017
Other references
Unofficial redline of the 2020 Final Rule amendments to Regulation C
Collection and Reporting of HMDA Information about Ethnicity and Race
Unofficial redline of the 2019 Final Rule amendments to Regulation C
Proposed rule changes and related notices
Unofficial redline of the May 2019 proposed amendments to Regulation C
Rules related to mortgages
Sign up for updates about mortgage rule implementation.
Guides
Small entity compliance guide
Download the latest version , version 5.2
Supervision and examination materials
Guides to how the CFPB will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.
See the HMDA examination procedures
FAQs
The Bureau provides a list of frequently asked questions and answers on particular topics to assist in understanding and complying with HMDA and Regulation C.
Webinars
The Bureau has presented a number of webinars related to the HMDA rule. The webinars are accurate as of their original presentation dates and do not reflect amendments to Regulation C issued after their presentation dates.
Resources for filers
Access the HMDA Platform, get the latest Filing Instructions Guide, browse FAQs on the HMDA Self-Service Knowledge Portal, and find additional tools to assist with filing HMDA data.
Browse the FFIEC’s HMDA resources for filers page
Sample data collection form – Demographic information of applicant or co-applicant (Effective Jan. 1, 2018).
Amendments to Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection