August 19, 2019

August 16, 2019

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2019 HMDA Guide Released

The CFPB announced the release of the 2019 version of A Guide to HMDA Reporting: Getting it Right. The Guide addresses the collection of data under the Home Mortgage Disclosure Act (HMDA) during 2019 that must be reported in 2020.

The Guide incorporates the amendments to HMDA made by the Economic Growth, Regulatory Relief, and Consumer Protection Act (also known as S.2155). We previously reported on the partial exemption from HMDA reporting for lower volume depository institutions made by the Growth Act, and a related CFPB interpretive rule.

Appendices to the Guide include charts addressing HMDA coverage, reporting categories and other items.

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About this Author

Richard J. Andreano, Jr. , Ballard Spahr Law Frim, Washington DC,  Business and Finance attorney, Mortgage Banking, Consumer Financial Services, Fair Lending

Richard J. Andreano, Jr., is the Practice Leader of Ballard Spahr's Mortgage Banking Group. He has devoted 30 years of practice to financial services, mortgage banking, and consumer finance law.

Mr. Andreano advises banks, lenders, brokers, home builders, title companies, real estate professionals, and other settlement providers on regulatory compliance and transactional matters, Federal Housing Administration (FHA) issues, and administrative examinations, enforcement actions and investigations. He also works with litigation counsel on devising strategies for defense of class action...