Mastering HMDA

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Item No: M-HMD
Price: $105/$90


This manual provides a comprehensive review of the Home Mortgage Disclosure Act (HMDA) and the Consumer Financial Protection Bureau’s (CFPB’s) Regulation C.
Whether you are new to HMDA or have been reporting for years, you will receive benefits from this manual’s practical, “real world” approach to HMDA compliance.

Learn how the CFPB’s final rule is changing HMDA! Read how the changes and implementation phases will impact the institutions and transactions covered; the information required to be collected and recorded; and the processes for reporting and disclosing that data. Most provisions related to institutional and transactional coverage, and data collection, recording, reporting, and disclosure are effective January 1, 2018. In addition, read about the CFPB’s recently issued final rule amending the 2015 HMDA Final Rule provisions.

The 2017 HMDA Final Rule amends certain provisions of the 2015 HMDA Final Rule by temporarily increasing the threshold for collecting and reporting data with respect to open-end lines of credit; establishing a new reporting exclusion and optional reporting for certain transactions and data points; clarifying certain key terms, including multifamily dwelling and automated underwriting system, among others; and clarifying how to collect race and ethnicity information.

HMDA poses challenges to both novice and experienced reporters. With increased regulatory scrutiny of HMDA data for fair lending purposes and the potential penalties associated with technical errors, it is crucial for an institution’s HMDA data gathering and reporting process to
be precise.


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