Skip to main content

Home Mortgage Disclosure (Regulation C)

The Bureau is proposing two alternatives to amend Regulation C to increase the threshold for reporting data about closed-end mortgage loans so that institutions originating fewer than either 50 closed-end mortgage loans, or alternatively 100 closed-end mortgage loans, in either of the two preceding calendar years would not have to report such data as of January 1, 2020. The proposed rule would also adjust the threshold for reporting data about open-end lines of credit by extending to January 1, 2022, the current temporary threshold of 500 open-end lines of credit and setting the threshold at 200 open-end lines of credit upon the expiration of the proposed extension of the temporary threshold. The Bureau is also proposing to incorporate into Regulation C the interpretations and procedures from the interpretive and procedural rule that the Bureau issued on August 31, 2018, and to implement further section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

The Bureau is releasing an unofficial, informal redline to assist industry and other stakeholders in reviewing the proposed changes.

Proposed rule with request for public comment

Read it in the Federal Register

View issued pdf

Public comments

Read comments received

Reopening of Comment Period for Certain Aspects of the Proposed Rule

View pdf