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Housing and Mortgage Finance

Letters to Congress

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Recipient
Date
06/09/25
04/11/25
04/10/25
U.S. House of Representatives05/21/24
Senate Banking Committee, House Financial Services Committee03/11/24
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Letters to Regulators

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Title
Recipient
Date
03/17/25
Consumer Financial Protection Bureau09/10/24
Consumer Financial Protection Bureau09/10/24
Consumer Financial Protection Bureau09/10/24
Federal Housing Finance Agency06/10/24
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Related News

HMDA relief reflected in 2020 reporting data

June 18, 2021

The Federal Financial Institutions Examination Council released 2020 Home Mortgage Disclosure Act data showing the impact of regulatory relief on HMDA reporting.

Reporting: The FFIEC said that among the 22.7 million reported home loan applications, 20.4 million were closed-end, 1.7 million were open-end, and 563,000 were not reported either way due to the S. 2155 regulatory relief law's partial exemptions.

Institutions: Further, reporting institutions decreased by roughly 18.8 percent from the previous year to 4,475. The decline was largely due to the Consumer Financial Protection Bureau’s ICBA-advocated 2020 final rule quadrupling the HMDA reporting threshold for closed-end mortgage loans from 25 to 100 loans.