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Home Mortgage Disclosure Act Information Page

The Home Mortgage Disclosure Act, or HMDA, was enacted in 1975 and is implemented by the Federal Reserve Board's Regulation C. It requires mortgage lenders to disclose publicly information about their lending practices. In 2002, the regulation was amended to add considerably to the public data.Lenders first reported the new data in 2004, and it was released the following year. The data for 2005 was released on September 8, 2006.This section of CBA's web site is to help people understand the meaning of the new data, and to assist them in explaining it to others.
HMDA Resources


American Bar Association-sponsored site with useful information for consumers on shopping for mortgage credit
Joint federal agency (FFIEC) web site with information about HMDA - Credit Education
Description of Federal Reserve Board's HMDA data
St Louis Federal Reserve Bank HMDA Amendments

Other Resources

CBA opposes provision in omnibus bill that gives state attorneys general authority to enforce TILA (February 27, 2009).
Joint letter to Senate opposes giving FTC rulemaking authority for mortgage loans and state attorneys general power to enforce the rules as well as the Truth-in-Lending Act (February 27, 2009)
CBA's Public Policy Issues