FFIEC Home Mortgage Disclosure Act

HMDA

The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1975 and was implemented by the Federal Reserve Board's Regulation C. On July 21, 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB). Regulation C, requires lending institutions to report public loan data. In this section of the website, you can find out more about the regulation and its interpretation.

About HMDA

Background & Purpose
General Info & Price Data Questions
HMDA Glossary
Regulation C
Who Reports Data?

How to File

A Guide to HMDA Reporting
CRA/HMDA Newsletter
Data Entry Software
Edits
FAQs
File Specifications
Mailing Addresses
Reporting Forms
Reporting Procedure Changes

Public Data

Census Data Products
Central Depository Database*
Data Order Form
General Notice Poster
HMDA Data Products
On-Line Reports

*We are reviewing the Central Depository Database. Please refer to the FFIEC HMDA website (www.ffiec.gov/hmda) for individual bank disclosure statements, national aggregate and MSA aggregate reports for HMDA.

Reporting Resources

Data Processing Timeline
Quick Reference

	The 2010 Census tract listing that includes the corresponding MSA and Tract Median Family Income data is now available.
	The 2012 HMDA Data Entry Software is now available.
	The 2011 HMDA Data Entry Software Release 2 is now available.
	The HMDA 2011 Loan Application Register (LAR) and Code Sheet have been updated.
	Census 2010 MSA, State, County and Tract listing for calendar year (CY) 2012 CRA/HMDA reporting are now available.
	The 2012 Edits and 2012 File Specifications are now available.
	Press Release announces the availability of 2010 HMDA data. DOWNLOAD the 2010 HMDA & PMIC Raw data.
	2010 Census Update Notice - MUST READ
	2011 Edits and 2011 File Specifications have been updated.
	The Geocoding System is now updated with 2011 Census information.
	The 2011 Census Data are available.
	2011 HUD Estimated MFI Figures are available.
	Asset Threshold increase for CY 2011.
	The 2011 Guide Information Letter has been posted.
	The 2010 CRA/HMDA Reporter Newsletter is updated - A MUST READ!
	The 2011 HMDA Data Entry Software is now available.
	The updated Interagency Fair Lending Examination Procedures (August 2009) and Appendix are now available
	The New Rate Spread Calculator and Average Prime Offer Rates tables effective October 1, 2009 are now available.
	HMDA System rewrite information effective for CY 2010 data collection - MUST READ