The CFPB’s Office of Research recently issued a blog post regarding its analyses of the impacts of higher mortgage interest rates on borrowers and potential homebuyers. The analyses are based on first and second quarter Home Mortgage Disclosure Act (HMDA) …
CFPB General
CFPB Releases Redesigned HMDA Research and Data Page
By Richard J. Andreano, Jr. on
The CFPB recently released a redesigned version of its Home Mortgage Disclosure Act (HMDA) data and research page. The webpage provides access to various types of HMDA information and data, including HMDA data of individual institutions, and HMDA data …
CFPB Issues Guidance on Applicability of TRID Rule to Assumptions
By Richard J. Andreano, Jr. on
Revised HMDA Examination Guidelines Issued
By Richard J. Andreano, Jr. on
The CFPB recently posted on its website revised Home Mortgage Disclosure Act (HMDA) examination guidelines.
The revised guidelines address the exemption adopted in the Economic Growth, Regulatory Relief, and Consumer Protection Act (also known as S.2155) applicable to the …
CFPB Releases 2018 HMDA Data
By Richard J. Andreano, Jr. on
The CFPB recently released modified Home Mortgage Disclosure Act (HMDA) loan application registers of approximately 5,400 financial institutions for calendar year 2018.
Calendar year 2018 is the first year that the mortgage industry collected HMDA data under the modified, and …
2019 HMDA Guide Released
By Richard J. Andreano, Jr. on
The CFPB announced the release of the 2019 version of A Guide to HMDA Reporting: Getting it Right. The Guide addresses the collection of data under the Home Mortgage Disclosure Act (HMDA) during 2019 that must be reported in …
CFPB Issues Home Mortgage Disclosure Act Reference Chart
By Richard J. Andreano, Jr. on
CFPB Finalizes Off-Balanced Approach to Public Disclosure of HMDA Data
By Richard J. Andreano, Jr. on
As previously reported, in September 2017 the CFPB proposed policy guidance regarding what application-level Home Mortgage Disclosure Act (HMDA) data would be disclosed to the public based on the significant expansion to the HMDA data reporting items that the …
CFPB Announces Opening of HMDA Data Filing Period
By Richard J. Andreano, Jr. on
As previously reported, late in 2018 the CFPB announced the availability of a beta version of a Home Mortgage Disclosure Act (HMDA) data platform for companies to test the filing of 2018 data. The CFPB has now announced that …
CFPB Releases Beta Version of 2018 HMDA Data Platform
By Richard J. Andreano, Jr. on
The CFPB has made available a beta version of its 2018 HMDA data platform. The platform is for the reporting of data collected in 2018 that must be reported in 2019.
During the beta period, reporting institutions can test …