Proposal aims to clarify home Mortgage Disclosure Act rule

HousingWire

The Consumer Financial Protection Bureau (CFPB) has issued a proposal that would clarify the 2015 Home Mortgage Disclosure Act (HMDA) Final Rule.

The HMDA requires many lenders to report information about mortgages they originate or purchase so that regulators can assess whether lenders are serving local housing needs, among other indicators. The HMDA was updated in 2015, per the Dodd-Frank Wall Street Reform and Consumer Protection Act. The proposal would clarify those changes, specifically key terms such as “automated underwriting system” and “temporary financing” and some reporting requirements, in an effort to improve compliance.

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April 18, 2017

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