Home Mortgage Disclosure Act

The Home Mortgage Disclosure Act (HMDA) requires financial institutions to maintain, report, and publicly disclose information about mortgages, including income, race, and ethnicity data. This data will be published by the regulators for applications in each of our facility-based assessment areas and is available at the agency’s website. HMDA was originally enacted by Congress in 1975 and is implemented by Regulation C. The Dodd-Frank Act transferred HMDA rulemaking authority from the Federal Reserve Board to the Consumer Financial Protection Bureau (CFPB) on July 21, 2011.  You may obtain the Bank’s HMDA disclosure information on the Consumer Financial Protection Bureau website: www.consumerfinance.gov/hmda