Home Mortgage Disclosure Act (Reg C) | American Bankers Association

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HMDA was enacted in 1975 and has been expanded over the years to collect additional data. Until 2011, rule-writing authority rested with the Federal Reserve but was transferred to the Consumer Financial Protection Bureau by the Dodd-Frank Act. In October 2015, to implement a number of provisions included in DFA, the Bureau greatly expanded the data banks must collect and report, eliminating data on non-secured home improvement loans but adding many new data fields on characteristics of the loan applicant and the loan. Those expanded data reporting requirements first applied to data collected in 2018.

Statutes

12 U.S.C. 2801-2810

Rules & Regulations

12 C.F.R. 1003 (Reg C)

Staff Analysis

Request for Information Regarding the HMDA Rule Assessment
November 19, 2021
Final Rule Amending Regulation C's Thresholds for Reporting Data on Closed-end Mortgage Loans and Open-end Lines of Credit
April 17, 2020
CFPB Proposal to Raise HMDA Reporting Thresholds
May 13, 2019
The Proposed Threshold Increase for HELOC Reporting
July 17, 2017

HMDA Questions from the Hotline

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Agency Guidance

HMDA Regulatory Implementation webpage
January 27, 2022
A Guide To HMDA Reporting: Getting It Right!
March 29, 2021
12 CFR Part 1003 - Home Mortgage Disclosure (Regulation C) – Resource Page
January 1, 2020
Bureau Clarifies HMDA Partial Exemptions under S. 2155
August 1, 2018
Bureau Statement on Implementing S. 2155’s HMDA Reporting Exemptions
July 5, 2018
FDIC Statement on Implementing S. 2155’s HMDA Reporting Exemptions
July 5, 2018
OCC Statement on Implementing S. 2155’s HMDA Reporting Exemptions
July 5, 2018

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Exam Procedures

Policy Library
News

Policy Library

Letter to Congress & Regulators
Joint Trade Letter re HMDA Data Reporting Thresholds
December 16, 2022
Comment Letter
Joint Letter to CFPB on HMDA RFI
January 21, 2022
Staff Analysis
Request for Information Regarding the HMDA Rule Assessment
November 19, 2021
Staff Analysis
Final Rule Amending Regulation C's Thresholds for Reporting Data on Closed-end Mortgage Loans and Open-end Lines of Credit
April 17, 2020

News

Article
ABA Regulatory Compliance Inbox: If my bank reduces the amount of a customer’s HELOC, are we required to provide an adverse action notice?
November 16, 2023
Article
ABA Regulatory Policy and Compliance Inbox: For HMDA reporting, should bank use calendar year of application or date of final action?
July 13, 2023
NewsByte
FFIEC issues 2023 guide to HMDA reporting
April 13, 2023
Article
ABA Regulatory and Compliance Inbox: Husbands, wives and proper HMDA reporting
March 16, 2023

Related Training & Events

Home Mortgage Disclosure Act (HMDA)
Self-Paced Training
S. 2155 & HMDA: Complying with New Partial Exemptions
Recorded Webinar | October 3, 2018
Home Mortgage Disclosure Act (HMDA) for Compliance Professionals
Self-Paced Training

ABA Resources

Survey
HMDA Reporting Assessment Survey Results
September 6, 2019
Guide
S. 2155 and HMDA: Complying with New Partial Exemptions
October 2, 2018

Agency Materials

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In Depth

Related Products

Our Experts

Rod Alba

Senior Vice President, Real Estate Finance

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