|
gptkbp:instance_of
|
gptkb:United_States_federal_law
|
|
gptkbp:bfsLayer
|
3
|
|
gptkbp:bfsParent
|
gptkb:Fair_Housing_Act
|
|
gptkbp:aims_to
|
reduce discrimination in lending
|
|
gptkbp:amended_by
|
gptkb:Dodd-Frank_Wall_Street_Reform_and_Consumer_Protection_Act
|
|
gptkbp:applies_to
|
depository institutions
non-depository institutions
|
|
gptkbp:appointed_by
|
gptkb:Consumer_Financial_Protection_Bureau
|
|
gptkbp:contains
|
interest rates
loan applications
property location
borrower demographics
loan amounts
loan denials
loan originations
terms of loans
|
|
gptkbp:effective_date
|
1975-01-01
|
|
gptkbp:enacted_by
|
gptkb:legislation
|
|
gptkbp:enforces
|
gptkb:Bank
gptkb:Office_of_the_Comptroller_of_the_Currency
gptkb:Federal_Deposit_Insurance_Corporation
|
|
gptkbp:facilitates
|
community reinvestment efforts
|
|
gptkbp:has_impact_on
|
consumer protection
housing market
financial institutions' reporting practices
|
|
https://www.w3.org/2000/01/rdf-schema#label
|
Home Mortgage Disclosure Act
|
|
gptkbp:influenced_by
|
gptkb:political_movement
|
|
gptkbp:is_challenged_by
|
industry lobbyists
some financial institutions
|
|
gptkbp:is_criticized_for
|
data privacy concerns
burden on small lenders
|
|
gptkbp:is_implemented_in
|
state regulators
local regulators
|
|
gptkbp:is_monitored_by
|
gptkb:Bank
gptkb:Office_of_the_Comptroller_of_the_Currency
gptkb:Consumer_Financial_Protection_Bureau
gptkb:Federal_Deposit_Insurance_Corporation
|
|
gptkbp:is_part_of
|
U. S. financial regulatory framework
U. S. housing policy
|
|
gptkbp:is_related_to
|
housing discrimination laws
fair lending laws
|
|
gptkbp:is_subject_to
|
public scrutiny
periodic reviews
|
|
gptkbp:is_supported_by
|
gptkb:political_movement
consumer advocacy groups
housing policy experts
|
|
gptkbp:led_to
|
enhanced data collection methods
improved access to credit
increased awareness of lending practices
|
|
gptkbp:promotes
|
transparency in lending practices
|
|
gptkbp:provides
|
annual reports on mortgage lending
|
|
gptkbp:purpose
|
to provide the public with information about mortgage lending patterns
|
|
gptkbp:related_to
|
gptkb:Equal_Credit_Opportunity_Act
gptkb:Community_Reinvestment_Act
|
|
gptkbp:reports_to
|
data to the public
data to regulators
|
|
gptkbp:requires
|
public access to data
financial institutions to report mortgage data
|