Home Mortgage Disclosure Act rule implementation

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

Featured topic

On Oct. 16, 2017, we published a new chart, the Reportable HMDA Data: A regulatory and reporting overview reference chart  (“Reporting Reference Chart”). This chart combines the Summary of Reportable Data chart, the filing instructions from the 2018 Filing Instructions Guide, and the Reporting “Not Applicable” chart into one reference tool. 

Rule

Home Mortgage Disclosure Act rule

Guides

Small entity compliance guide

Quick references

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.

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.

Reportable HMDA Data: A regulatory and reporting overview reference chart  – Reference tool for HMDA data required to be collected, recorded, and reported, as well as when and how to report that HMDA data as “not applicable.”

Collection and Reporting of HMDA Information about Ethnicity and Race

Videos

HMDA webinar 1  

Overview of the HMDA final rule (if you do not have access to YouTube, you may watch the video here ). This webinar is current as of the date as forth in the presentation. The webinar has not been updated to reflect the changes and clarifications set forth in the HMDA Final rule issued on Aug. 24, 2017.

View the webinar presentation – Aug. 16, 2016

HMDA webinar 2

Overview of identifiers, including entity, applications or loans, property and loan originator, as well as data points related to applicants and borrowers (if you do not have access to YouTube you may watch the video here ). This webinar is current as of the date as forth in the presentation. The webinar has not been updated to reflect the changes and clarifications set forth in the HMDA Final rule issued on Aug. 24, 2017.

View the webinar presentation  – Feb. 8, 2017  

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

Amendments to Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection