Fair Lending Compliance Resources

These resources provide guidance on how to comply with fair lending laws.

NCUA Fair Lending Guide

This guide is intended for use by a credit union’s board of directors and management, compliance officers, and others having responsibility for fair lending compliance as part of their duties.

Fair Lending Compliance Program

NCUA Fair Lending Compliance Program for Federal Credit Unions Frequently Asked Questions and Answers (July 2017)

NCUA Regulatory Alerts

Regulatory Alert 17-RA-03: Submission of 2016 Home Mortgage Disclosure Act Data (February 2017)

Regulatory Alert 17-RA-02: Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2017 (January 2017)

Regulatory Alert 16-RA-03: Submission of 2015 Home Mortgage Disclosure Act Data (February 2016)

Regulatory Alert 16-RA-01: Home Mortgage Disclosure Act (HMDA) Data Collection Requirements for Calendar Year 2016 (January 2016)

NCUA Webinars

2016 Federal Interagency Fair Lending Hot Topics (Oct. 4, 2016)

Equal Credit Opportunity Act (ECOA)

Home Mortgage Disclosure Act (HMDA)

CFPB HMDA (Regulation C) Small Entity Compliance Guide version 5 (May 2020)

On April 16, 2010, the CFPB issued a final rule amending Regulation C (Home Mortgage Disclosure Act) adjusting the thresholds for closed-end mortgage loans and open-end lines of credit. To assist financial institutions, including credit unions, the CFPB has posted the following documents:

CFPB Amendment to Increase Threshold for Reporting Data About Closed-end Mortgage Loans (Regulation C – Home Mortgage Disclosure Act) (effective July. 1, 2020)

FFIEC 2020 A Guide to HMDA Reporting: Getting It right (For HMDA Submissions due March 1, 2021) (effective Jan. 1, 2020)

CFPB HMDA (Regulation C) Small Entity Compliance Guide version 4.0 (January 2020)

CFPB Adjustment to Asset-Size Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2020)

HMDA Filing Instruction Guide for HMDA Data Collected in 2020

HMDA Supplemental Guide for Quarterly Filers (Released Sept. 2019)

FFIEC 2019 A Guide to HMDA Reporting: Getting it Right (For HMDA Submissions due March 1, 2020) (effective Jan. 1, 2019)

Consumer Financial Protection Update 19-05, CFPB Issues Reference Tool for 2019 HMDA Data Collection (Feb. 15, 2019)

CFPB Reportable HMDA Data: A Regulatory and Reporting Overview Reference Chart for HMDA Data Collected in 2019 (Effective Jan. 1, 2019)

Consumer Financial Protection Update 19-04, Submission of 2018 Home Mortgage Disclosure Act Data (Jan. 23, 2019)

Consumer Financial Protection Update 19-03, Home Mortgage Disclosure Act Data Collection Requirements for Calendar Year 2019 (Jan. 23, 2019)

Consumer Financial Protection Update 19-02, CFPB Announces Asset-Size Threshold Adjustments Under HMDA and TILA (Jan. 15, 2019)

CFPB HMDA Data Disclosure Policy Guidance (Dec. 21, 2018)

Consumer Financial Protection Update 18-01, Information about the CFPB’s 2018 HMDA Interpretive and Procedural Rule (Sept. 10, 2018)

HMDA Filing Instruction Guide for HMDA Data Collected in 2019

Consumer Financial Protection Update 18-01: Information about the Bureau of Consumer Financial Protection's 2018 HMDA Interpretive and Procedural Rule (Sept. 2018)

BCFP Partial Exemptions from the Requirements of HMDA Under the Economic Growth, Regulatory Relief, and Consumer Protection Act (Regulation C) Final Rule (Issued Aug. 31, 2018)

Executive Summary and Regulatory and Reporting Overview Reference Chart on the HMDA Interpretive and Procedural Rule Issued on Aug. 31, 2018

HMDA Filing Instruction Guides for Data Collected in 2017 and 2018

Information about the Recent Changes to the Home Mortgage Disclosure Act (Dated July 5, 2018)

FFIEC Announces Availability of 2017 Data on Mortgage Lending (May 7, 2018)

FFIEC 2018 A Guide to HMDA Reporting Getting it Right (In effect beginning Jan. 1, 2018)

2018 HMDA LAR Formatting Tool

Additional Information on Submission of 2017 Home Mortgage Disclosure Act Data (Dated Jan. 30, 2018)

Additional Information About HMDA Data Collection Requirements for Calendar Year 2018 and Changes to Data Notices (Dated Jan. 19, 2018)

HMDA Check Digit Tool and Rate Spread Calculator

CFPB Adjustment to Asset-Size Exemption Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2018)

HMDA Disclosure Statement Modified LAR Availability Notices

Posted Notice of HMDA Availability

CFPB Final Redesigned Uniform Residential Loan Application Status Under Regulation B Notice (Issued Nov. 20, 2017)

CFPB HMDA Small Entity Compliance Guide

CFPB Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection Final Rule (Published Oct. 2, 2017)

HMDA Filing Instructions Guide (for data collected in or after 2018)

CFPB HMDA (Regulation C) Final Rule Making Technical Corrections (issued Aug. 24, 2017)

CFPB HMDA (Regulation C) Final Rule to Temporarily Increase in Institutional and Transaction Coverage Thresholds for Open-End Lines of Credit (issued Aug. 24, 2017)

FFIEC HMDA Examiner Transaction Testing Guidelines (resubmission guidelines)

CFPB 2015 HMDA Final Rule Webinar (Feb. 8, 2017)

CFPB HMDA Rule Implementation Webpage

CFPB Adjustment to Asset-Size Exemption Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2017)

CFPB Notice Pursuant to the Equal Credit Opportunity Act Concerning the New Uniform Residential Loan Application and the Collection of Expanded Home Mortgage Disclosure Act Information About Ethnicity and Race in 2017 (Entities may rely on part III of this CFPB official approval beginning Jan. 1, 2017)

CFPB Notice of Availability of Revised Methodology for Determining Average Prime Offer Rates (published Aug. 10, 2016)

FFIEC Methodology for Determining Prime Offer Rates (published July 7, 2016)

CFPB HMDA Final Rule Webinar July 14, 2016

Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold (Effective Jan. 1, 2016)

Fair Lending Exam Procedures

FFIEC Interagency Fair Lending Examination Procedures (August 2009)

Appendix to FFIEC Interagency Fair Lending Examination Procedures (August 2009)

Additional Resources

FFIEC and HUD Resources for HMDA Filers

CFPB HMDA Rule Implementation Webpage

CFPB Guidance Documents

CFPB Bulletin 2015-02—Section 8 Housing Choice Voucher Homeownership Program

CFPB Bulletin 2014-03—Social Security Disability Income Verification (Issued Nov. 18, 2014)

Questions? Contact the Division of Consumer Compliance Policy and Outreach in NCUA's Office of Consumer Financial Protection at compliancemail@ncua.gov.