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CFPB RIN: 3170-AA97 Publication ID: Fall 2019 
Title: Home Mortgage Disclosure Act (Regulation C) 

The Bureau announced in December 2017 that it intended to open a rulemaking to reconsider various aspects of a 2015 final rule that amended regulations implementing the Home Mortgage Disclosure Act (HMDA). The Bureau issued an Advance Notice of Proposed Rulemaking (ANPR) in May 2019 soliciting comment on certain data points in the 2015 final rule that were added to Regulation C or revised to require additional information, and on coverage of certain business or commercial purpose loans. In June 2019, the Bureau extended the comment period for the ANPR from July 8, 2019 to October 15, 2019. The extension gives interested parties an opportunity to review the Bureau’s annual overview of residential mortgage lending based on the HMDA data financial institutions collected in 2018, as requested by a variety of stakeholders. The Bureau expects to issue a Notice of Proposed Rulemaking in summer 2020 to follow up on the ANPR. This timing corresponds with the Bureau’s expected timing for issuing a proposed rule addressing the public disclosure of HMDA data in light of consumer privacy interests, so that collection and reporting of data points and public disclosure of those data points can be considered concurrently.

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: Undetermined 
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
Prerule Activity  05/08/2019  84 FR 20049   
ANPRM--Comment Period Extended  07/03/2019  84 FR 31746   
ANPRM Comment Period End  07/08/2019 
ANPRM--Comment Period Extended End  10/15/2019 
NPRM  07/00/2020 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: Undetermined 
Small Entities Affected: Businesses  Federalism: Undetermined 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
David Hixson
Office of Regulations
Consumer Financial Protection Bureau
Washington, DC 20552
Phone:202 435-7700