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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

The Bureau has published updates to the HMDA Small Entity Compliance Guide to reflect changes made to Regulation C by the 2020 HMDA Thresholds Rule. You can access the updated HMDA Small Entity Compliance Guide .

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.

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, 2017 through December 31, 2017

Institutional coverage chart effective January 1, 2017

Effective January 1, 2018 through June 30, 2020

Institutional coverage chart effective January 1, 2018

Transactional coverage chart effective January 1, 2018

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, 2022

Institutional coverage chart effective January 1, 2022

Transactional coverage chart effective January 1, 2022

Data reporting

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.”

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

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 5.0

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

Browse 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