December 17, 2021

OCC: Bulletin Issued on Revised Interagency Examination Procedures for HMDA

The Office of the Comptroller of the Currency (OCC) today issued the revised interagency Home Mortgage Disclosure Act (HMDA)1examination procedures for determining compliance with HMDA and its implementing regulations.


This bulletin rescinds

The interagency procedures update the April 19, 2019, FFIEC interagency examination procedures for the Home Mortgage Disclosure Act.

Note for Community Banks

This bulletin applies to all banks2 subject to HMDA data collection and reporting requirements.


Further Information

Please contact Vonda J. Eanes, Director for Community Reinvestment Act and Fair Lending Policy, Compliance Risk Policy Division, at (202) 649-5470.

Grovetta N. Gardineer
Senior Deputy Comptroller for Bank Supervision Policy

Related Link

1 Refer to Pub. L. 115-174, 132 Stat. 1296 (2018), section 104(a) (codified at 12 USC 2803). The Consumer Financial Protection Bureau (CFPB) issued a 2019 HMDA rule to extend the temporary threshold for reporting data about open-end lines of credit and implement and further clarify the partial exemption created by the 2018 Economic Growth, Regulatory Relief, and Consumer Protection Act. Refer to 84 Fed. Reg. 57946 (October 29, 2019). The CFPB then issued a 2020 HMDA rule to adjust the thresholds for reporting data about closed-end mortgage loans and the thresholds for reporting data about open-end lines of credit. The CFPB amended Regulation C (12 CFR 1003) by revising thresholds for reporting data and clarifying partial exemption. Refer to 85 Fed. Reg. 28364 (May 12, 2020).

2 “Banks” refers collectively to national banks, federal savings associations, covered savings associations, and federal branches and agencies of foreign banking organizations.

This post was originally published here.