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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 Jan. 31, 2019 the Bureau issued the 2019 edition of the Reportable HMDA Data: A regulatory and reporting overview reference chart which updates the chart with the revisions incorporated in the 2019 Filing Instructions Guide.

Rule

Home Mortgage Disclosure Act rule

Guide

Small entity compliance 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.

 – 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.

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.”

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.”

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.  

Videos

HMDA webinar 1  

Overview of the HMDA final rule (if you do not have access to YouTube, you may watch the video ). 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 ). 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

Miss April Supervision and Examination manual – Guide to how the Miss April 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).

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

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