Our Position

Housing and Mortgage Finance

Letters to Congress

Title Recipient Date
Reps. Madeleine Dean and Kelly Armstrong 06/11/21
116th Congress 03/26/20
Congress 03/09/20

Letters to Regulators

Title Recipient Date
FHFA 08/25/21
Treasury Department, FHFA 08/17/21
FHFA 08/09/21
FHFA 07/19/21
FHFA 07/06/21

Testimony

Title Committee Presenter Date
Senate Banking Committee Written Statement 09/10/19
Senate Banking Committee Written Statement 03/26/19
House Subcommittee on Housing and Insurance Samuel A. Vallandingham 10/25/17

Related News

HMDA relief reflected in 2020 reporting data

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.