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CFPB RIN: 3170-AA10 Publication ID: Fall 2011 
Title: ●Home Mortgage Disclosure Act (Regulation C) 
Abstract: Section 1094 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act) amends the Home Mortgage Disclosure Act (HMDA), which requires certain lenders to report information in connection with applications they receive for mortgage and other housing-related loans. The amendments made by the Dodd-Frank Act expand the scope of information relating to mortgage loans that must be collected and maintained under HMDA, including information about the points and fees payable at origination, the difference between the annual percentage rate associated with the loan and the benchmark rate(s) for all loans, the term of any prepayment penalty, the value of any real property pledged or proposed to be pledged as collateral, the actual or proposed term in months of the mortgage loan, and the age of applicant(s). The CFPB expects to begin developing proposed regulations concerning the data to be collected and appropriate procedures, information safeguards, and privacy protections for information-gathering under this section. 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Prerule Stage 
Major: Undetermined  Unfunded Mandates: No 
CFR Citation: 12 CFR 203    12 CFR 1003   
Legal Authority: 12 USC 2801 et seq   
Legal Deadline:  None
Action Date FR Cite
CFPB Expects Further Action  10/00/2012    
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Kelly Thompson Cochran
Office of Regulations
Consumer Financial Protection Bureau
Phone:202 435-7700