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CFPB RIN: 3170-AA76 Publication ID: Fall 2018 
Title: Home Mortgage Disclosure Act (Regulation C)  

The Bureau announced in December 2017 that it intends to open a rulemaking to reconsider various aspects of a 2015 final rule that amended regulations implementing the Home Mortgage Disclosure Act. The reconsideration could involve such issues as the institutional and transactional coverage tests and the rule’s discretionary data points. The Bureau also specifically expects to follow up on its action in August 2017 to amend Regulation C to increase the threshold for collecting and reporting data with respect to open-end lines of credit for a period of 2 years so that financial institutions originating fewer than 500 open-end lines of credit in either of the preceding 2 years would not be required to begin collecting such data until January 1, 2020. The Bureau indicated in August 2017 that it intended to conduct follow-up rulemaking before January 1, 2020 to consider whether to make permanent adjustments to the open-end threshold.  The Bureau anticipates engaging in notice-and-comment rulemaking to incorporate an interpretive and procedural rule that it issued in August 2018 to clarify partial HMDA exemptions created by the Economic Growth, Regulatory Relief, and Consumer Protection Act of 2018. The Bureau is considering these various HMDA projects in conjunction with each other and expects to issue a Notice of Proposed Rulemaking in spring 2019 to address some or all of the issues related to them. 


Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Proposed Rule Stage 
Major: Undetermined  Unfunded Mandates: No 
EO 13771 Designation: Independent agency 
CFR Citation: 12 CFR 1003   
Legal Authority: 12 U.S.C. 2801 to 2810   
Legal Deadline:  None
Action Date FR Cite
NPRM  04/02/2017  82 FR 19142   
NPRM Comment Period End  05/25/2017 
Final Rule  09/13/2017  82 FR 43088   
Final Rule Effective  01/01/2018 
NPRM  03/00/2019 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: Undetermined 
Small Entities Affected: Businesses  Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Related RINs: Related to 3170-AA64 
Agency Contact:
Alexandra Reimelt
Office of Regulations
Consumer Financial Protection Bureau
Washington, DC 20552
Phone:202 435-7700