What US Home Mortgage Disclosure Act (HMDA) - Regulation C - 12 CFR Part 1003 requires
HMDA (implemented by Regulation C, 12 CFR Part 1003) requires covered financial institutions to collect, record, and submit 48 data points on home mortgage applications and originations; institutional coverage threshold is ≥100 closed-end mortgages per year; data (Loan Application Register) filed with federal regulator by March 1 and published by March 31 for fair-lending analysis.
Pillar: Banking & Global Finance · Authority: Consumer Financial Protection Bureau (CFPB); FFIEC (Federal Financial Institutions Examination Council); 12 USC § 2801 et seq. · Version: 2024.1.0 · Last updated:
Primary source: https://www.ecfr.gov/current/title-12/chapter-X/part-1003
SHA-256 integrity: 5d6b18a349e3706b0053e8b04c23dc54213326a7eb8c90edcf6a34d4b3ee3af9
Primary Citations — 5 traced to source
- § 2802 (definitions), § 2803 (mortgage disclosure requirements), § 2807 (penalties) — § 2802 (definitions), § 2803 (mortgage disclosure requirements), § 2807 (penalties)
- § 1003.2 (definitions), § 1003.3 (covered institutions), § 1003.4 (collected data), § 1003.5 (disclosure), § 1003.6 (enforcement) — § 1003.2 (definitions), § 1003.3 (covered institutions), § 1003.4 (collected data), § 1003.5 (disclosure), § 1003.6 (enforcement)
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