The Office of the Comptroller of the Currency (OCC) is announcing the issuance of the Federal Financial Institutions Examination Council’s (FFIEC) revised “A Guide to HMDA Reporting: Getting it Right!” (2024 guide). The 2024 guide provides resources to help banks 1 comply with the Home Mortgage Disclosure Act (HMDA) and Regulation C, its implementing regulation (12 CFR 1003).
The 2024 guide reflects changes to the asset-size exemption threshold effective January 1, 2024, 2 for reporting HMDA data on closed-end mortgage loans.
This bulletin rescinds OCC Bulletin 2023-10, “Home Mortgage Disclosure Act: FFIEC’s 2023 ‘A Guide to HMDA Reporting: Getting It Right!’”
The 2024 guide applies to community banks that are subject to HMDA data collection and reporting requirements.
The 2024 guide discusses
Please contact Vonda J. Eanes, Director for Community Reinvestment Act and Fair Lending Policy, Compliance Risk Policy Division, at (202) 649-5470.
Grovetta N. Gardineer
Senior Deputy Comptroller for Bank Supervision Policy
1 "Banks" refers collectively to national banks, federal savings associations, and federal branches and agencies of foreign banking organizations.
2 Refer to 88 Fed. Reg. 88221.