CFPB Seeks Input on Continuing Mortgage Data from Lenders
Published Date: 12/10/2025
Notice
Summary
The Consumer Financial Protection Bureau wants to keep collecting important info about home mortgages to make sure lending is fair. This affects banks and mortgage companies, who’ll keep reporting data under the Home Mortgage Disclosure Act. If you want to share your thoughts, send comments by February 9, 2026—no extra costs, just your voice!
Analyzed Economic Effects
3 provisions identified: 1 benefits, 2 costs, 0 mixed.
Large Annual Reporting Burden on Respondents
The notice estimates 136 respondents and a total annual burden of 1,510,960 hours for the HMDA information collection under OMB Control Number 3170-0008. The Bureau is asking for comment on the accuracy of this burden estimate and ways to minimize respondent burden, including automated collection techniques.
Lenders Must Keep Reporting Mortgage Data
The Bureau is requesting to extend OMB approval for the Home Mortgage Disclosure Act data collection (OMB Control Number 3170-0008). Certain depository institutions and for‑profit, non‑depository institutions must continue to collect, report, and disclose data about mortgage loan originations, purchases, and applications that do not result in originations. Comments on this extension are due by February 9, 2026.
Data Used To Detect Discrimination and Guide Investment
The HMDA data collection is used to help determine whether financial institutions are serving community housing needs, to help public officials target public‑sector investment to attract private investment, and to assist in identifying discriminatory lending patterns and enforcing antidiscrimination laws. The Bureau states these purposes explicitly as the rationale for the information collection.
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