The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose loan-level information about mortgages. These data help show whether lenders are serving the housing needs of their communities; they give public officials information that helps them make decisions and policies; and they shed light on lending patterns that could be discriminatory. The public data are modified to protect applicant and borrower privacy.
HMDA was originally enacted by Congress in 1975 and is implemented by Regulation C, 12 CFR part 1003. The FFIEC has played a central role in implementing HMDA since 1980 and it continues to do so today. On July 21, 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB).
To learn more about HMDA, find resources for HMDA filers, and review the publicly available data, visit the HMDA - Home Mortgage Disclosure Act, which is administered by the CFPB.
A Guide To HMDA Reporting: Getting It Right!
The Guide is a valuable resource for assisting all institutions in their HMDA reporting. It includes a summary of responsibilities and requirements, directions for assembling the necessary tools, and instructions for reporting HMDA data.
2024 Guide to HMDA Reporting (PDF)
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