Home Mortgage Disclosure Act

URI: https://gptkb.org/entity/Home_Mortgage_Disclosure_Act
GPTKB entity
Statements (41)
Predicate Object
gptkbp:instanceOf gptkb:United_States_federal_law
gptkbp:abbreviation gptkb:HMDA
gptkbp:administeredBy gptkb:Consumer_Financial_Protection_Bureau
gptkb:Federal_Financial_Institutions_Examination_Council
gptkbp:amendedBy gptkb:Dodd-Frank_Wall_Street_Reform_and_Consumer_Protection_Act
gptkb:Financial_Institutions_Reform,_Recovery,_and_Enforcement_Act_of_1989
gptkbp:appliesTo depository institutions
non-depository mortgage lenders
gptkbp:codifiedIn gptkb:12_U.S.C._§§_2801–2810
gptkbp:dataCollected applicant ethnicity
applicant income
applicant race
applicant sex
borrower demographics
interest rate
lien status
loan amount
loan application data
loan approval data
loan denial data
loan purpose
loan type
property location
rate spread
gptkbp:dataReportedTo gptkb:Federal_Financial_Institutions_Examination_Council
public
gptkbp:dateEnacted 1975
gptkbp:enactedBy gptkb:United_States_Congress
https://www.w3.org/2000/01/rdf-schema#label Home Mortgage Disclosure Act
gptkbp:penalty civil monetary penalties
gptkbp:publicDataAvailability loan-level data published annually
gptkbp:purpose prevent discriminatory lending practices
promote transparency in mortgage lending
gptkbp:regulates gptkb:Regulation_C
gptkbp:relatedTo gptkb:Equal_Credit_Opportunity_Act
gptkb:Fair_Housing_Act
gptkb:Community_Reinvestment_Act
gptkbp:requires financial institutions to disclose mortgage data
gptkbp:website https://www.consumerfinance.gov/data-research/hmda/
gptkbp:bfsParent gptkb:Consumer_Financial_Protection_Bureau
gptkbp:bfsLayer 5