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). This regulation provides the public loan data that can be used to assist:

• in determining whether financial institutions are serving the housing needs of their communities;
• public officials in distributing public-sector investments so as to attract private investment to areas where it is needed;
• and in identifying possible discriminatory lending patterns.

This regulation applies to certain financial institutions, including banks, savings associations, credit unions, and other mortgage lending institutions.

Reporting Year	Activity Year (CY)	No. Reporting Institutions	No. Loan Records Reported (in millions)
2017	2016	6,762	16.3
2016	2015	6,913	14.3
2015	2014	7,062	11.9
2014	2013	7,190	17
2013	2012	7,400	18.7
2012	2011	7,632	14.7
2011	2010	7,923	16.3
2010	2009	8,124	19.5
2009	2008	8,388	17.4
2008	2007	8,610	26.6
2007	2006	8,886	34.1
2006	2005	8,848	36.4
2005	2004	8,853	33.6
2004	2003	8,121	41.6
2003	2002	7,771	31
2002	2001	7,631	28
2001	2000	7,713	19
2000	1999	7,829	23
1999	1998	7,836	24.7
1998	1997	7,925	16.4

Using the loan data submitted by these financial institutions, the Federal Financial Institutions Examination Council (FFIEC) creates aggregate tables for each metropolitan statistical area (MSA) or metropolitan division (MD) (where appropriate), and individual institution disclosure reports. The aggregate tables and individual disclosure reports for calendar years 1999 - 2014 are available on this website (www.ffiec.gov/hmda) or also on the FFIEC website (www.ffiec.gov/reports.htm). Furthermore, the FFIEC provides to the public a few other data products, including TS and LAR raw data software and Census data on this website. See the data request order form regarding the products, their format, and availability.

READ MORE ABOUT THE HISTORY OF HMDA