Home mortgage disclosure reporting requirements (HMDA)
Resources to help industry understand, implement, and comply with the Home Mortgage Disclosure Act and Regulation C.
On July 28, 2020, the Bureau issued FAQs that cover reporting requirements for certain data points, and specifically discuss reporting when the information is not the dispositive factor in a credit decision.
Regulation and official interpretations
Browse Regulation C (12 CFR 1003) on: Interactive Bureau Regulations |
Timelines and key dates
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
Effective January 1, 2018 through June 30, 2020
Effective July 1, 2020 through December 31, 2021
Effective January 1, 2022
Proposed rule changes and related notices
Sign up for updates about mortgage rule implementation.
Small entity compliance guide
Supervision and examination materials
Guides to how the CFPB will supervise and examine entities under its jurisdiction for compliance with Federal consumer financial law.
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.
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.