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 2019_register executive 2019-05-11 article Part II Proposed Rules D09002ee1c7d45287 D09002ee1c7d454d4 United States Bureau of Consumer Financial Protection originator org United States Government Agency or Subagency The Bureau of Consumer Financial Protection (Bureau) is proposing two alternatives to amend Regulation C to increase the threshold for reporting data about closed-end mortgage loans so that institutions originating fewer than either 50 closed-end mortgage loans, or alternatively 100 closed-end mortgage loans, in either of the two preceding calendar years would not have to report such data as of January 1, 2020. The proposed rule would also adjust the threshold for reporting data about open-end lines of credit by extending to January 1, 2022, the current temporary threshold of 500 open-end lines of credit and setting the threshold at 200 open-end lines of credit upon the expiration of the proposed extension of the temporary threshold. The Bureau is also proposing to incorporate into Regulation C the interpretations and procedures from the interpretive and procedural rule that the Bureau issued on August 31, 2018, and to implement further section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act. 84 FR 20972 https://www.govinfo.gov/app/details/FR-2019-05-13/2019-08983 2019-08983 fr13my19-21 RIN 3170-AA76 4810-AM-P Docket No. CFPB-2019-0021 https://www.govinfo.gov/app/details/FR-2019-05-13/2019-08983 https://www.govinfo.gov/content/pkg/FR-2019-05-13/html/2019-08983.htm https://www.govinfo.gov/content/pkg/FR-2019-05-13/pdf/2019-08983.pdf Banks Banking Credit Unions Mortgages National Banks Reporting and Recordkeeping Requirements Savings Associations 70 p. 20972 21041 84 FR 20972 Title 12 Part 1003 12 CFR Part 1003 RIN 3170-AA76 Home Mortgage Disclosure (Regulation C); Federal Register Vol. 84, Issue PRORULE 2019-08983 II BUREAU OF CONSUMER FINANCIAL PROTECTION 2019-06-12 Docket No. CFPB-2019-0021 4810-AM-P 2019-08983 Proposed rule with request for public comment.

The Bureau of Consumer Financial Protection (Bureau) is proposing two alternatives to amend Regulation C to increase the threshold for reporting data about closed-end mortgage loans so that institutions originating fewer than either 50 closed-end mortgage loans, or alternatively 100 closed-end mortgage loans, in either of the two preceding calendar years would not have to report such data as of January 1, 2020. The proposed rule would also adjust the threshold for reporting data about open-end lines of credit by extending to January 1, 2022, the current temporary threshold of 500 open-end lines of credit and setting the threshold at 200 open-end lines of credit upon the expiration of the proposed extension of the temporary threshold. The Bureau is also proposing to incorporate into Regulation C the interpretations and procedures from the interpretive and procedural rule that the Bureau issued on August 31, 2018, and to implement further section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.

Comments on the proposed rule must be received on or before June 12, 2019, except that comments on the Paperwork Reduction Act analysis in part VIII of the Supplementary Information must be received on or before July 12, 2019. Jaydee DiGiovanni or Shaakira Gold- Ramirez, Counsels; or Amanda Quester or Alexandra Reimelt, Senior Counsels, Office of Regulations, at 202-435-7700 or https:// reginquiries.consumerfinance.gov/. If you require this document in an alternative electronic format, please contact CFPB_Accessibility@cfpb.gov. Banks Banking Credit Unions Mortgages National Banks Reporting and Recordkeeping Requirements Savings Associations Home Mortgage Disclosure , 2019-NPRM-HMDAThresholds@cfpb.gov CFPB_Accessibility@cfpb.gov oira_submission@omb.eop.gov PRA_Comments@cfpb.gov http://files.consumerfinance.gov/f/201407_cfpb_report_hmda_sbrefa.pdf http://ruralhome.org/storage/documents/smallbanklending.pdf http://www.ffiec.gov/hmda http://www.regulations.gov http://www.ruralhome.org/storage/documents/notehmdasm.pdf https://files.consumerfinance.gov/f/documents/cfpb_statement-with-respect-to-hmda-implementation_122017.pdf https://reginquiries.consumerfinance.gov/ https://s3.amazonaws.com/cfpb-hmda-public/prod/help/2019-hmda-fig.pdf https://www.consumerfinance.gov https://www.consumerfinance.gov/about-us/newsroom/bureau-consumer-financial-protection-issues-statement-implementation-economic-growth-regulatory-relief-and-consumer-protection-act-amendments-home-mortgage-disclosure-act/ https://www.consumerfinance.gov/policy-compliance/guidance/hmda-implementation/ www.reginfo.gov www.regulations.gov Vol. 84, no. 92 Office of the Federal Register, National Archives and Records Administration 2019-05-13 continuing daily deposited born digital 474 p. Table of Contents: AE 2.7: GS 4.107: AE 2.106: KF70.A2 https://www.govinfo.gov/app/details/FR-2019-05-13 P0b002ee1a10d298e 0097-6326 0042-1219 0364-1406 769-004-00000-9 000582072 f:fr13my19 https://www.govinfo.gov/app/details/FR-2019-05-13 https://www.govinfo.gov/content/pkg/FR-2019-05-13/pdf/FR-2019-05-13.pdf https://www.govinfo.gov/content/pkg/FR-2019-05-13/xml/FR-2019-05-13.xml fdlp 20765 21231 DGPO 2019-05-11 2024-05-31 FR-2019-05-13 machine generated eng FR FR-2019-05-13 84 92