United States Government Publishing Office publisher pbl distributor dst United States National Archives and Records Administration Office of the Federal Register author aut Government Organization text government publication eng FR Regulatory Information 2017_register executive 2017-09-13 article Part II Rules and Regulations D09002ee1c7f0fc64 D09002ee1c7f0fd2d United States Bureau of Consumer Financial Protection originator 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 Title 12 Part 1003 12 CFR Part 1003 RIN 3170-AA64 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 Vol. 82, no. 176 Office of the Federal Register, National Archives and Records Administration 2017-09-13 continuing daily deposited born digital 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 P0b002ee196e8435e 0097-6326 0042-1219 0364-1406 769-004-00000-9 000582072 f:fr13se17 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 fdlp 42927 43153 DGPO 2017-09-13 2024-06-01 FR-2017-09-13 machine generated eng FR FR-2017-09-13 82 176