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CFPB RIN: 3170-AA81 Publication ID: Spring 2019 
Title: Partial Exemptions from the Requirements of the Home Mortgage Disclosure Act under the Economic Growth, Regulatory Relief, and Consumer Protection Act (Regulation C) 

The Bureau issued an interpretive and procedural rule to implement and clarify the requirements of section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA), which amended certain provisions of the Home Mortgage Disclosure Act (HMDA).  The rule clarifies that insured depository institutions and insured credit unions covered by a partial exemption under EGRRCPA have the option of reporting exempt data fields as long as they report all data fields within any exempt data point for which they report data; clarifies that only loans and lines of credit that are otherwise HMDA reportable count toward the thresholds for the partial exemptions; clarifies which of the data points in Regulation C are covered by the partial exemptions; designates a non-universal loan identifier for partially exempt transactions for institutions that choose not to report a universal loan identifier; and clarifies EGRRCPA’s exception to the partial exemptions for negative Community Reinvestment Act examination history. The Bureau is engaging in notice-and-comment rulemaking to incorporate the EGRRCPA interpretative and procedural rule and to further implement EGRRCPA.

Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: No  Unfunded Mandates: No 
EO 13771 Designation: Independent agency 
CFR Citation: None     (To search for a specific CFR, visit the Code of Federal Regulations.)
Legal Authority: 12 U.S.C. 2801 to 2810   
Legal Deadline:  None
Action Date FR Cite
Interpretive and Procedural Rule  09/07/2018  83 FR 45325   
Regulatory Flexibility Analysis Required: No  Government Levels Affected: None 
Federalism: No 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Related RINs: Merged with 3170-AA76 
Agency Contact:
Alexandra Reimelt
Office of Regulations
Consumer Financial Protection Bureau
Washington, DC 20552
Phone:202 435-7700