Fair Lending Compliance Resources

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

NCUA Fair Lending Guide (Opens new window)

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

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. 2016 Federal Interagency Fair Lending Hot Topics (Oct. 4, 2016) (Opens new window)

Equal Credit Opportunity Act (ECOA)

• This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Transaction Coverage Under the ECOA Valuations Rule Fact Sheet (Released April 29, 2020) (Opens new window) ;
• This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Delivery of Appraisals (Released April 29, 2020) (Opens new window) ;
• This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB ECOA Valuations Rule FAQ (Issued April 29, 2020) (Opens new window) ;

Home Mortgage Disclosure Act (HMDA)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB HMDA (Regulation C) Small Entity Compliance Guide version 5 (May 2020) (Opens new window)

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:

• This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA Filing Instruction Guide for HMDA Data Collected in 2021 (Opens new window)
• This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA Rule Key Dates Times 2020-2022 (Opens new window) ;
• This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA institution coverage chart, effective July 1, 2020, through Dec. 31, 2021 (Opens new window) ;
• This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA institutional coverage chart, effective Jan. 1, 2022 (Opens new window) ;
• This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA transactional coverage chart, effective July 1, 2020, through Dec. 31, 2021 (Opens new window) ; and
• This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA transactional coverage chart, effective Jan. 1, 2022 (Opens new window) .

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Amendment to Increase Threshold for Reporting Data About Closed-end Mortgage Loans (Regulation C – Home Mortgage Disclosure Act) (effective July. 1, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. FFIEC 2020 A Guide to HMDA Reporting: Getting It right (For HMDA Submissions due March 1, 2021) (effective Jan. 1, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB HMDA (Regulation C) Small Entity Compliance Guide version 4.0 (January 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Adjustment to Asset-Size Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2020) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA Filing Instruction Guide for HMDA Data Collected in 2020 (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA Supplemental Guide for Quarterly Filers (Released Sept. 2019) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. FFIEC 2019 A Guide to HMDA Reporting: Getting it Right (For HMDA Submissions due March 1, 2020) (effective Jan. 1, 2019) (Opens new window)

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

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Reportable HMDA Data:  A Regulatory and Reporting Overview Reference Chart for HMDA Data Collected in 2019 (Effective Jan. 1, 2019) (Opens new window)

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

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

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

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB HMDA Data Disclosure Policy Guidance (Dec. 21, 2018) (Opens new window)

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

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA Filing Instruction Guide for HMDA Data Collected in 2019 (Opens new window)

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

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. 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) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Executive Summary and Regulatory and Reporting Overview Reference Chart on the HMDA Interpretive and Procedural Rule Issued on Aug. 31, 2018 (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA Filing Instruction Guides for Data Collected in 2017 and 2018 (Opens new window)

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

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

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. FFIEC 2018 A Guide to HMDA Reporting Getting it Right (In effect beginning Jan. 1, 2018) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. 2018 HMDA LAR Formatting Tool (Opens new window)

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

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

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA Check Digit Tool and Rate Spread Calculator (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Adjustment to Asset-Size Exemption Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2018) (Opens new window)

HMDA Disclosure Statement Modified LAR Availability Notices

Posted Notice of HMDA Availability (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Final Redesigned Uniform Residential Loan Application Status Under Regulation B Notice (Issued Nov. 20, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB HMDA Small Entity Compliance Guide (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection Final Rule (Published Oct. 2, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. HMDA Filing Instructions Guide (for data collected in or after 2018) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB HMDA (Regulation C) Final Rule Making Technical Corrections (issued Aug. 24, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. 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) (Opens new window)

FFIEC HMDA Examiner Transaction Testing Guidelines (resubmission guidelines) (Opens new window)                  

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB 2015 HMDA Final Rule Webinar (Feb. 8, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB HMDA Rule Implementation Webpage (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Adjustment to Asset-Size Exemption Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2017) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. 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) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Notice of Availability of Revised Methodology for Determining Average Prime Offer Rates (published Aug. 10, 2016) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. FFIEC Methodology for Determining Prime Offer Rates (published July 7, 2016) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB HMDA Final Rule Webinar July 14, 2016 (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold (Effective Jan. 1, 2016) (Opens new window)

Fair Lending Exam Procedures

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. FFIEC Interagency Fair Lending Examination Procedures (August 2009) (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. Appendix to FFIEC Interagency Fair Lending Examination Procedures (August 2009) (Opens new window)

Additional Resources

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. FFIEC and HUD Resources for HMDA Filers (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB HMDA Rule Implementation Webpage (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Guidance Documents (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Bulletin 2015-02—Section 8 Housing Choice Voucher Homeownership Program (Opens new window)

This is an external link to a website belonging to another federal agency, private organization, or commercial entity. CFPB Bulletin 2014-03—Social Security Disability Income Verification (Issued Nov. 18, 2014) (Opens new window)

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