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Federal Reserve Board of Governors

The Home Mortgage Disclosure Act



The Home Mortgage Disclosure Act (HMDA) was enacted by Congress in 1975 and was originally implemented by the Federal Reserve Board's Regulation C. On July 21, 2011, rulewriting authority for HMDA transferred from the Federal Reserve Board to the Consumer Financial Protection Bureau (CFPB). The CFPB's Regulation C which now implements HMDA, requires lending institutions to report public loan data. You can find out more about HMDA at

Last Update: March 10, 2014