HMDA was originally enacted by Congress in 1975 and is implemented by Regulation C, 12 CFR part 1003. The FFIEC has played a central role in implementing HMDA since 1980 and it continues to do so today. On July 21, 2011, the rule-writing authority of Regulation C was transferred to the Consumer Financial Protection Bureau (CFPB).
To learn more about HMDA, find resources, and review the publicly available data, visit the HMDA - Home Mortgage Disclosure Act website hosted by the CFPB.
A Guide to HMDA Reporting
This guide is a valuable resource for assisting all institutions in their HMDA reporting. It includes a summary of responsibilities and requirements, directions for assembling the necessary tools, and instructions for reporting HMDA data.
- 2024 Guide to HMDA Reporting (PDF)
- 2023 Guide to HMDA Reporting (PDF)
- 2022 Guide to HMDA Reporting (PDF)