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.
Your PRIA Score
Personalized for You
How does this regulation affect your finances?
Sign up for a PRIA Policy Scan to see your personalized alignment score for this federal register document and every other regulation we track. We analyze your financial profile against policy provisions to show you exactly what matters to your wallet.
Key Dates
Department and Agencies
Related Federal Register Documents
2026-08494 — Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)
Starting June 30, 2026, new rules will help banks and lenders better track loans to small, women-owned, and minority-owned businesses. These changes make it easier for lenders to follow the rules, improve the quality of loan data, and support fair lending. Lenders must fully comply by January 1, 2028, so small businesses get a fair shot at credit.
2026-07804 — Equal Credit Opportunity Act (Regulation B)
The Consumer Financial Protection Bureau is updating rules to make sure everyone gets a fair shot at credit without being unfairly discouraged or discriminated against. These changes clarify how lenders should handle special credit programs and prevent hidden biases. The new rules kick in on July 21, 2026, helping protect your rights and keep lending fair and square.
2025-19864 — Equal Credit Opportunity Act (Regulation B)
The Consumer Financial Protection Bureau is updating rules to make sure everyone gets a fair shot at credit, no matter who they are. These changes clarify how lenders should avoid unfair treatment and support special credit programs. If you want to share your thoughts, you’ve got until December 15, 2025, to speak up!
2025-19865 — Small Business Lending Under the Equal Credit Opportunity Act (Regulation B)
The CFPB is updating rules for small business loans to make things simpler and fairer for lenders and borrowers. These changes affect banks and lenders by redefining which loans count and what info they must collect, aiming to improve data quality. Comments on the proposal are open until December 15, 2025, so get ready to weigh in!
2025-19687 — Rules of Practice for Adjudication Proceedings
The Consumer Financial Protection Bureau (CFPB) is rolling back some changes it made in 2022 and 2023 to how it runs legal hearings, like depositions and deadlines. These old rules are mostly gone, but a few small clarifications stick around. This update kicks in on October 29, 2025, and affects anyone involved in CFPB legal cases, making the process clearer and smoother without adding new costs.
2025-19689 — Registry of Nonbank Covered Persons Subject to Certain Agency and Court Orders; Rescission
The Consumer Financial Protection Bureau is canceling a rule that made certain nonbank companies report government orders about their financial products. This change means those companies won’t have to share this info anymore, saving them and the Bureau time and money. The new rule takes effect right away on October 29, 2025, and aims to keep things simpler without hurting consumer protection.
Previous / Next Documents
Previous: 2025-22441 — Agency Information Collection Activities: Comment Request
The Consumer Financial Protection Bureau wants to keep collecting info from mortgage loan originators to make sure they follow the rules. This affects over 260,000 businesses and keeps paperwork in check without adding new costs. You’ve got until February 9, 2026, to share your thoughts on this extension!
Next: 2025-22443 — Agency Information Collection Activities: Proposed Collection: Public Comment Request; Information Collection Request Title: Health Resources and Services Administration Uniform Data System
HRSA is asking for public feedback on updates to the Uniform Data System, which helps nearly 1,400 health centers report important info about the care they provide to over 32 million people. These changes aim to keep data collection smooth and useful without adding extra hassle. Comments are due by February 9, 2026, so now’s the time to weigh in!