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Financial Services Law Insights and Observations

CFPB releases 2021 HMDA filing instructions

Agency Rule-Making & Guidance CFPB HMDA Mortgages

Agency Rule-Making & Guidance

On August 21, the CFPB released the Filing Instructions Guide for HMDA data collected in 2021 that must be reported in 2022. The guide states that there are no significant changes to the submission process and that the required data fields to be collected and reported have not changed. Instructions for quarterly reporting can be found in the Supplemental Quarterly Reporting Guide, which was issued the same day. As outlined in a statement issued in March (covered by InfoBytes here), institutions are reminded that as of March 26, 2020, and until further notice, the Bureau does not intend to cite in an examination or initiate an enforcement action against any institution for failure to report its HMDA data quarterly. However, entities should continue collecting and recording HMDA data in anticipation of making annual submissions. 

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