CFPB Issues Final Guidance on HMDA Data

Dec 28, 2018

The Consumer Financial Protection Bureau (CFPB) has issued a final policy guidance related to the scope of data from the Home Mortgage Disclosure Act (HMDA) that the agency intends to make available to the public.

According to the CFPB, the final policy guidance takes effect in 2019 and includes several modifications, including the removal of confidential consumer data from public view, such as property address and applicant credit scores. The CFPB added that it intended to “disclose certain information with reduced precision, such as by disclosing ranges rather than specific values for an applicant’s age, the amount of the loan, and the number of units in the dwelling.”

The CFPB added that it plans to conduct a separate notice-and-comment rulemaking to incorporate any modifications of HMDA data into the text of Regulation C. That process is also set to commence in 2019.

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Phil Hall

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Dec 28, 2018

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