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Home Mortgage Disclosure Act (Reg C)

HMDA is designed to provide home mortgage data to the public to help determine if financial institutions are serving the housing needs of their communities, to help public officials distribute public investments, and to identify possible lending discrimination.

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.

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Rod Alba

Rod Alba

Senior Vice President, Real Estate Finance

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