Regulation C currently requires financial institutions to collect and report information about the ethnicity and race, as well as certain other characteristics, of applicants and borrowers. In October of 2015, the Bureau issued a final rule amending Regulation C to implement amendments to the Home Mortgage Disclosure Act made by the Dodd-Frank Act. The rule will require financial institutions to permit applicants and borrowers to self-identify using disaggregated ethnic and racial categories beginning January 1, 2018. Regulation B also currently requires creditors to request and retain information about the ethnicity and race, as well as certain other characteristics, of applicants for certain dwelling-secured loans, but uses only aggregate ethnic and racial categories. The Bureau will be seeking comment on a proposal to amend Regulation B to reconcile how creditors may collect information about the ethnicity and race of applicants and to clarify how financial institutions and creditors subject to Regulation C and Regulation B may comply with both regulations.