28 A BEGINNER’S GUIDE TO ACCESSING AND USING MORTGAGE LENDING DATA
4. Conclusion
We hope users have found this guide useful in understanding how HMDA data may be accessed
and analyzed using widely available technology tools. In addition to the techniques described
here, we encourage users to explore the many resources provided for HMDA reporters and users
alike. FFIEC’s HMDA Maps tool
allows you to explore and visualize online subsets of HMDA
data, filtered by popular variables. The CFPB also has an array of webinars for HMDA data users
available on YouTube at
https://www.youtube.com/user/cfpbvideo/videos.
Given the importance of accurately reported HMDA data to the CFPB’s fair lending mission, the
CFPB maintains a comprehensive suite of resources on its public website to help filers fulfill
their reporting requirements under HMDA and Regulation C and allowing others to evaluate
and study mortgage lending. These resources include: an Executive Summary of HMDA rule
changes;
9
Small Entity Compliance Guide;
10
Key Dates Timeline;
11
Institutional and
Transactional Coverage Charts;
12
Reportable HMDA Data Chart;
13
sample data collection
form;
14
and FAQs,
15
in addition to downloadable webinars,
16
which provide an overview of the
HMDA rule. The CFPB also provides on its website an interactive version of Regulation C that is
easier to access and navigate than the printed version of Regulation C.
17
9
Consumer Fin. Prot. Bureau, Executive Summary of the 2020 Home Mortgage Disclosure Act (Regulation C) Final
Rule (Apr. 16, 2020),
https://files.consumerfinance.gov/f/documents/cfpb_hmda_executive-summary_2020-
04.pdf.
10
Consumer Fin. Prot. Bureau, Home Mortgage Disclosure (Regulation C) Small Entity Compliance Guide (May
2020), https://files.consumerfinance.gov/f/documents/cfpb_hmda_small-entity-compliance-guide.pdf.
11
Consumer Fin. Prot. Bureau, HMDA Rule Key Dates Timeline, January 1, 2020 to December 31, 2022,
https://files.consumerfinance.gov/f/documents/cfpb_hmda-key-dates-timeline-2020-2022.pdf.
12
Consumer Fin. Prot. Bureau, HMDA Institutional Coverage Chart,
https://www.consumerfinance.gov/documents/9568/cfpb_2020-hmda-institutional-coverage_03-2021.pdf
;
Consumer Fin. Prot. Bureau, HMDA Transactional Coverage Chart,
https://www.consumerfinance.gov/documents/8724/cfpb_2020-hmda-transactional-coverage.pdf.
13
Consumer Fin. Prot. Bureau, Reportable HMDA Data: A Regulatory and Reporting Overview Reference Chart for
HMDA Data Collected in 2021, https://files.consumerfinance.gov/f/documents/cfpb_2021-reportable-hmda-
data.pdf
14
Consumer Fin. Prot. Bureau, Sample Data Collection Form,
https://files.consumerfinance.gov/f/documents/201708_cfpb_hmda-sample-data-collection-form.pdf.
15
Consumer Fin. Prot. Bureau, Home Mortgage Disclosure Act FAQs,
https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-
requirements/home-mortgage-disclosure-act-faqs/.
16
Consumer Fin. Prot. Bureau, HMDA Webinars, https://www.consumerfinance.gov/compliance/compliance-
resources/mortgage-resources/hmda-reporting-requirements/webinars/.
17
See, Interactive Bureau Regulations, Regulation C, https://www.consumerfinance.gov/rules-
policy/regulations/1003/.