Home Mortgage Disclosure Act (HMDA/Regulation C)

The purpose of the Home Mortgage Disclosure Act (HMDA) and Regulation C is intended to provide the public with loan data that can be used:

  • To help determine whether financial institutions are serving the housing needs of their communities;
  • To assist public officials in distributing public-sector investment so as to attract private investment to areas where it is needed; and
  • To assist in identifying possible discriminatory lending patterns and enforcing antidiscrimination statutes.


Beginning with the publication of final rules, per the Dodd-Frank Act, implementing changes to Regulation C, the world of HMDA has changed in a dramatic fashion.

The HMDA rules have been continuously changing for the past few years and will continue to change for the next several years.


Let us help you stay up-to-date. For additional resources on the topic of HMDA and Regulation C visit the following pages: