Return to consumerfinance.gov
An official website of the United States Government
Return to consumerfinance.gov
An official website of the United States Government
The Home Mortgage Disclosure Act (HMDA) requires many financial institutions to maintain, report, and publicly disclose information about mortgages. HMDA was originally enacted by Congress in 1975 and is implemented by Regulation C. The Dodd-Frank Act transferred HMDA rulemaking authority from the Federal Reserve Board to the Consumer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.
The CFPB is taking steps to improve HMDA data. Check out the latest HMDA announcements.
These public data are important because they help show whether lenders are serving the housing needs of their communities; they give public officials information that helps them make decisions and policies; and they shed light on lending patterns that could be discriminatory.
If you are concerned about mortgage discrimination or believe you have been discriminated against, please visit Ask CFPB.
In 2015, there were 14.4 million HMDA records from 6,913 financial institutions.
Each year, the Federal Reserve Board publishes an article about trends in the HMDA data.
You can explore HMDA data on your own using our online tools. If you want even more flexibility to use the data in your own applications and projects, visit our API documentation pages.
The Federal Financial Institutions Examination Council (FFIEC) also makes HMDA data and other HMDA resources available to the public.
Watch our introduction to HMDA featuring Ren Essene, CFPB Senior Policy Analyst. You can also read the transcript below.
The CFPB also publishes complaint information on mortgages as well as other financial products. The data show the kinds of issues consumers have reported and how different companies have responded. You can view, sort and analyze the data, or you can download or build on the data using our API.