# 2025-11109: Mortgage Data Paperwork Renewal Seeks Public Comments 2025-11109, Agency Information Collection Activities: Information Collection Renewal; Comment Request; Regulation C-Home Mortgage Disclosure, is a Federal Register notice from Treasury Department, Comptroller of the Currency published 2025-06-17, effective Comments must be received by August 18, 2025.; PRIA reads it as touching household money (as of 2026-11-03). - Canonical: https://policyrisk.com/federal-register/2025-11109 - As of: 2026-11-03 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Document number: 2025-11109 - Title: Agency Information Collection Activities: Information Collection Renewal; Comment Request; Regulation C-Home Mortgage Disclosure - Type: Notice - Agencies: Treasury Department; Comptroller of the Currency - Citation: 90 FR 25746 - Published: 2025-06-17 - Effective: Comments must be received by August 18, 2025. - Comments close: not stated - Significant: no - Touches household money: yes - Regulation identifier numbers: none - Last updated: 2026-11-03 ## In one line Mortgage Data Paperwork Renewal Seeks Public Comments ## Summary The Office of the Comptroller of the Currency (OCC) is asking for public feedback to renew its paperwork rules about home mortgage info, called Regulation C. This affects banks and lenders who report mortgage data, helping keep things fair and clear. Comments are due by August 18, 2025, so don’t miss your chance to weigh in—no new fees or big changes, just a smooth renewal! ## Abstract The OCC, as part of its continuing effort to reduce paperwork and respondent burden, invites comment on a continuing information collection, as required by the Paperwork Reduction Act of 1995 (PRA). In accordance with the requirements of the PRA, the OCC may not conduct or sponsor, and the respondent is not required to respond to, an information collection unless it displays a currently valid Office of Management and Budget (OMB) control number. The OCC is soliciting comment concerning the renewal of its information collection titled, "Regulation C--Home Mortgage Disclosure." ## Effects PRIA read - Who Must Collect HMDA Data: cost, high. Certain depository and non-depository institutions that make certain mortgage loans must collect, report, and disclose data about mortgage loan originations, purchases, and loan applications under Regulation C (HMDA). The collection implements 12 U.S.C. 2801 et seq. and 12 CFR part 1003. - Annual and Quarterly Filing Deadlines: cost, medium. A financial institution must submit its annual loan/application register in electronic format by March 1 following the calendar year for which data are collected. Institutions that reported at least 60,000 covered loans and applications in the preceding calendar year must also submit quarterly regi… - Record Retention and Branch Notice Rules: cost, medium. Financial institutions must retain a copy of their annual loan/application register for at least three years. They must make written notices available at their home office and each branch in every Metropolitan Statistical Area (MSA) and Metropolitan Division (MD) describing where HMDA data or discl… - Separate Filing for Subsidiaries: cost, low. A financial institution that is a subsidiary of a bank or savings association must complete a separate loan/application register and submit that register directly or through its parent to the appropriate Federal agency for the subsidiary's parent. - Estimated Respondents and Total Burden: cost, high. The OCC estimates 504 respondents and an estimated total annual burden of 504,190 hours for this information collection (OMB Control No. 1557-0345). - Public Purposes of HMDA Data: benefit, medium. HMDA data are intended to help determine whether institutions are serving community housing needs, assist public officials in distributing public-sector investments to attract private investment, and help identify possible discriminatory lending patterns for enforcement of anti-discrimination statu… - Opportunity to Comment by August 18, 2025: benefit, low. The OCC is soliciting public comment on the renewal of the Regulation C information collection, and comments must be received by August 18, 2025. Comments may be submitted by email, mail, hand delivery/courier, or fax and will become public record. ## Related documents - [2026-21706](https://policyrisk.com/federal-register/2026-21706): Implementing the Guiding and Establishing National Innovation for U.S. Stablecoins Act for the Issuance of Stablecoins by Entities Subject…, 2026-10-23 - [2026-17823](https://policyrisk.com/federal-register/2026-17823): Unsafe or Unsound Practices, Matters Requiring Attention, 2026-09-01 - [2026-08328](https://policyrisk.com/federal-register/2026-08328): National Bank Non-Interest Charges and Fees, 2026-04-29 - [2026-08298](https://policyrisk.com/federal-register/2026-08298): Regulatory Capital Rule: Community Bank Leverage Ratio Framework, 2026-04-29 - [2026-08143](https://policyrisk.com/federal-register/2026-08143): Streamlining Regulations Concerning Public Welfare Investments, Open Market Collateralized Loan Obligations, and Federal Savings Associatio…, 2026-04-27 - [2026-05960](https://policyrisk.com/federal-register/2026-05960): Regulatory Capital Rules: Regulatory Capital and Standardized Approach for Risk-Weighted Assets, 2026-03-27 ## Sources - [2025-11109 on federalregister.gov](https://www.federalregister.gov/documents/2025/06/17/2025-11109/agency-information-collection-activities-information-collection-renewal-comment-request-regulation) - [2025-11109 as published (PDF)](https://www.govinfo.gov/content/pkg/FR-2025-06-17/pdf/2025-11109.pdf) ## Related - [Previous: 2025-11108, Streamlined Negotiated Service Agreement Review and New Postal Product](https://policyrisk.com/federal-register/2025-11108) - [Next: 2025-11111, Presidential Declaration of a Major Disaster for the State of Missouri](https://policyrisk.com/federal-register/2025-11111) - [All Federal Register documents](https://policyrisk.com/federal-register) Source: PRIA, https://policyrisk.com/federal-register/2025-11109 (as of 2026-11-03).