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Home Mortgage Disclosure Act (HMDA)


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The Home Mortgage Disclosure Act, or HMDA, was originally enacted by Congress in 1975 and is implemented by the Federal Reserve Board’s Regulation C. HMDA rulemaking authority was transferred from the Federal Reserve Board to the Consumer Financial Protection Bureau, or the CFPB, by the Dodd-Frank Act on July 21, 2011. Financial institutions are required by HMDA to maintain, report, and publicly disclose lending information to demonstrate their commitment to providing fair and non-discriminatory housing credit to local communities. Lending information such as home purchases, home improvements and refinancing must be reported. Financial institutions that are required to comply with HMDA regulation include banks, savings associations, credit unions and mortgage lending institutions. Public data about housing loans helps to determine whether lenders are serving the needs of their communities. Officials can also use the data to help determine if lending laws are fair and non-discriminatory.

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 2013 data.

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

U.S. Department of Housing & Urban Development

Data sets that help depository institutions with HMDA reports.

Consumer Financial Protection Bureau

Analyze, map and download mortgage trends with online data tool.

February 7, 2014

CFPB Director Richard Cordray

Prepared Remarks of CFPB Director Richard Cordray
HMDA Press Call

September 24, 2010

Governor Elizabeth A. Duke

Opening Remarks
At the Public Hearing on the Home Mortgage Disclosure Act, Federal Reserve Board Building, Washington, D.C.

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