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Regulatory Information
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2017-09-13
article
Home Mortgage Disclosure (Regulation C)
Part II
Rules and Regulations
D09002ee1bdbb1917
D09002ee1bdbb19df
United States
Bureau of Consumer Financial Protection
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org
United States Government Agency or Subagency
The Bureau of Consumer Financial Protection (Bureau) is amending Regulation C to make technical corrections to and to clarify certain requirements adopted by the Bureau's Home Mortgage Disclosure (Regulation C) final rule (2015 HMDA Final Rule), which was published in the Federal Register on October 28, 2015. The Bureau is also amending Regulation C to increase the threshold for collecting and reporting data about open-end lines of credit for a period of two years so that financial institutions originating fewer than 500 open-end lines of credit in either of the preceding two years would not be required to begin collecting such data until January 1, 2020. The Bureau also is adopting a new reporting exclusion.
82 FR 43088
https://www.govinfo.gov/app/details/FR-2017-09-13/2017-18284
2017-18284
fr13se17-14
RIN 3170-AA64
RIN 3170-AA76
4810-AM-P
Docket Nos. CFPB-2017-0010
CFPB-2017-0021
https://www.govinfo.gov/app/details/FR-2017-09-13/2017-18284
https://www.govinfo.gov/content/pkg/FR-2017-09-13/html/2017-18284.htm
https://www.govinfo.gov/content/pkg/FR-2017-09-13/pdf/2017-18284.pdf
Banks
Banking
Credit Unions
Mortgages
National Banks
Reporting and Recordkeeping Requirements
Savings Associations
62 p.
43088
43149
82 FR 43088
Code of Federal Regulations
Title 12 Part 1003
12 CFR Part 1003
Regulation Identification Number 3170-AA64
RIN 3170-AA64
Regulation Identification Number 3170-AA76
RIN 3170-AA76
Home Mortgage Disclosure (Regulation C); Federal Register Vol. 82, Issue
RULE
2017-18284
II
BUREAU OF CONSUMER FINANCIAL PROTECTION
2018-01-01
Docket Nos. CFPB-2017-0010
CFPB-2017-0021
4810-AM-P
2017-18284
Final rule.
The Bureau of Consumer Financial Protection (Bureau) is amending Regulation C to make technical corrections to and to clarify certain requirements adopted by the Bureau's Home Mortgage Disclosure (Regulation C) final rule (2015 HMDA Final Rule), which was published in the Federal Register on October 28, 2015. The Bureau is also amending Regulation C to increase the threshold for collecting and reporting data about open-end lines of credit for a period of two years so that financial institutions originating fewer than 500 open-end lines of credit in either of the preceding two years would not be required to begin collecting such data until January 1, 2020. The Bureau also is adopting a new reporting exclusion.
This rule is effective on January 1, 2018, except that the amendments to Sec. 1003.5 in amendatory instruction 8, the amendments to Sec. 1003.6 in amendatory instruction 9, and the amendments to supplement I to part 1003 in amendatory instruction 10 are effective on January 1, 2019; and the amendments to Sec. 1003.2 in amendatory instruction 11, the amendments to Sec. 1003.3 in amendatory instruction 12, the amendments to Sec. 1003.5 in amendatory instruction 13, the amendments to Sec. 1003.6 in amendatory instruction 14, and the amendments to supplement I to part 1003 in amendatory instruction 15 are effective on January 1, 2020. See part VI for more information.
Shaakira Gold-Ramirez, Paralegal Specialist, Joseph Devlin, Angela Fox, Kathryn Lazarev, and Alexandra W. Reimelt, Counsels; and Terry J. Randall, Senior Counsel, Office of Regulations, at 202-435-7700 or https://www.consumerfinance.gov/policy- compliance/guidance/.
Banks
Banking
Credit Unions
Mortgages
National Banks
Reporting and Recordkeeping Requirements
Savings Associations
Home Mortgage Disclosure (Regulation C)
,
CFPB_Public_PRA@cfpb.gov
http://www.consumerfinance.gov
http://www.ffiec.gov/hmda
http://www.ffiec.gov/hmda/faqreg.htm#TemporaryFinancing
http://www.ncua.gov/DataApps/QCallRptData/Pages/default.aspx
https://www.census.gov/prod/cen2010/briefs/c2010br-02.pdf
https://www.consumerfinance.gov
https://www.consumerfinance.gov/data-research/hmda/static/for-filers/2018/2018-HMDA-FIG.pdf
https://www.consumerfinance.gov/documents/2507/201701_cfpb_HMDA-Ethnicity-and-Race-Collection.pdf
https://www.consumerfinance.gov/policy-compliance/guidance/
https://www.fanniemae.com/content/faq/urla-ulad-faqs.pdf
https://www.fanniemae.com/content/news/urla-announcement-november-2016.pdf
https://www.fdic.gov/regulations/resources/call/index.html
https://www.ffiec.gov/ratespread/mortgagerates.htm
www.reginfo.gov
Federal Register
Vol. 82, no. 176
Office of the Federal Register, National Archives and Records Administration
2017-09-13
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235 p.
Table of Contents:
AE 2.7:
GS 4.107:
AE 2.106:
KF70.A2
https://www.govinfo.gov/app/details/FR-2017-09-13
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0042-1219
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000582072
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https://www.govinfo.gov/app/details/FR-2017-09-13
https://www.govinfo.gov/content/pkg/FR-2017-09-13/pdf/FR-2017-09-13.pdf
https://www.govinfo.gov/content/pkg/FR-2017-09-13/xml/FR-2017-09-13.xml
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FR-2017-09-13
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