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Home Mortgage Disclosure Act

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

Featured topic

On May 2, the Bureau issued a Notice of Proposed Rulemaking relating to HMDA coverage thresholds and partial exemptions, and an Advance Notice of Proposed Rulemaking relating to HMDA data points and coverage of certain business- or commercial-purpose loans.

Rule

Browse the Home Mortgage Disclosure Act final rules to see specific amendments to Regulation C.

Regulation and official interpretations

Browse Regulation C (12 CFR 1003) on: Interactive Bureau Regulations | eCFR

Quick references

Executive summaries

Executive summary  – Overview of the HMDA data disclosure policy guidance issued Dec. 21, 2018

Executive summary – Overview of the interpretive and procedural rule issued Aug. 31, 2018.

Executive summary  – Overview of the amendments to Regulation B issued Sept. 20, 2017.

Executive summary  – Overview of changes to the rule issued Aug. 24, 2017.

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

Timelines and key dates

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

Coverage charts

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.

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

Data reporting

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.”

Other references

Collection and Reporting of HMDA Information about Ethnicity and Race

Proposed rule changes and related notices

Summary of the May 2019 proposed amendments to Regulation C and advance notice of proposed rulemaking

Unofficial redline of the May 2019 proposed amendments to Regulation C

Guides

Small entity compliance guide

Download the latest version , version 3.0

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

Supervisory highlights

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.

Browse all FAQ topics

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.

Browse HMDA webinars

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 HMDA Explorer page

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