This law requires lenders to show that they provide fair and non-discriminatory housing credit to their communities.



The Home Mortgage Disclosure Act, or HMDA, was enacted by Congress in 1975 and is implemented under the Federal Reserve Board’s Regulation C. Under HMDA, lending institutions must demonstrate their service of providing fair and non-discriminatory housing credit to local communities by releasing housing loan data to the public. All lending information regarding home purchases, home improvements and refinancing must be reported. Compliance with HMDA regulation applies to banks, savings associations, credit unions and mortgage lending institutions. Public data about housing loans is used to determine housing credit needs, pinpoint potential areas of community development investment and enforce fair and non-discriminatory lending laws.

Regulatory Resources

Federal Financial Institutions Examination Council

The FFIEC provides an overview of HMDA's history and instructions about complying with the regulation.

A comprehensive guide about HMDA compliance for 2009 data.

A Web-based tool to help financial institutions meet reporting requirements on mortgage, business and farm loans.

Federal Reserve Bank of St. Louis

Updates about amendments to Regulation C, which implements the Home Mortgage Disclosure Act.

U.S. Department of Housing & Urban Development

Data sets that help depository institutions with HMDA reports.


July 25, 2007

Sandra F. Braunstein, Director, Division of Consumer and Community Affairs

Fair Lending and the Home Mortgage Disclosure Act
Before the Subcommittee on Oversight and Investigations, Committee on Financial Services, U.S. House of Representatives

June 13, 2006

Governor Mark W. Olson

Home Mortgage Disclosure Act
Subcommittee on Financial Institutions and Consumer Credit, Committee on Financial Services, U.S. House of Representatives

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Community Development
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