OCC Bulletin 2024-15 | June 17, 2024

Home Mortgage Disclosure Act: FFIEC’s 2024 'A Guide to HMDA Reporting: Getting It Right!'

To

Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Department and Division Heads; All Examining Personnel; and Other Interested Parties

Summary

The Office of the Comptroller of the Currency (OCC) is announcing the issuance of the Federal Financial Institutions Examination Council’s (FFIEC) revised “A Guide to HMDA Reporting: Getting it Right!” (2024 guide). The 2024 guide provides resources to help banks¹ comply with the Home Mortgage Disclosure Act (HMDA) and Regulation C, its implementing regulation (12 CFR 1003).

The 2024 guide reflects changes to the asset-size exemption threshold effective January 1, 2024,² for reporting HMDA data on closed-end mortgage loans.

Rescission

This bulletin rescinds OCC Bulletin 2023-10, “Home Mortgage Disclosure Act: FFIEC’s 2023 ‘A Guide to HMDA Reporting: Getting It Right!’”

Note for Community Banks

The 2024 guide applies to community banks that are subject to HMDA data collection and reporting requirements.

Highlights

The 2024 guide discusses

institutions covered by Regulation C.
transactions covered by Regulation C.
information that covered institutions are required to collect, record, and report.
requirements for reporting and disclosing data.

Further Information

Please contact Vonda J. Eanes, Director for Community Reinvestment Act and Fair Lending Policy, Compliance Risk Policy Division, at (202) 649-5470.

Grovetta N. Gardineer
Senior Deputy Comptroller for Bank Supervision Policy