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 Dec. 21, 2018, the
Bureau issued final policy guidance describing modifications the Bureau intends
to apply to the HMDA data reported by financial institutions before the data are made available to the public on the loan level. For an overview, see the executive summary .
Rule
Home Mortgage Disclosure Act rule
Guide
Quick references
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.
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
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.
Visit the HMDA Resources for Filers page
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 set forth in the presentation. The webinar has not been updated to reflect the changes and clarifications set forth in the 2017 HMDA final rule, issued on Aug. 24, 2017, or the amendments to HMDA made by the Economic Growth, Regulatory Relief, and Consumer Protection Act.
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 set forth in the presentation. The webinar has not been updated to reflect the changes and clarifications set forth in the 2017 HMDA final rule, issued on Aug. 24, 2017, or the amendments to HMDA made by the Economic Growth, Regulatory Relief, and Consumer Protection Act.
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.
Additional materials
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