Treasury Scraps Redundant Housing Loan Data Rule
Published Date: 3/4/2026
Rule
Summary
The Office of the Comptroller of the Currency is scrapping its old Fair Housing Home Loan Data System rule because it’s outdated and overlaps with other rules. This change mainly affects national banks, easing their paperwork without hurting fair housing oversight. The new rule kicks in on April 3, 2026, saving banks time and effort while keeping important data intact.
Analyzed Economic Effects
2 provisions identified: 2 benefits, 0 costs, 0 mixed.
Small national banks save up to $6,798
Smaller national banks that are non-HMDA reporters but that make more than 50 home-loan applications a year will no longer need to collect the additional part 27 statistics; the OCC estimates yearly savings of up to $6,798 per institution. The OCC says 218 small national banks will be impacted and that the final rule applies to 399 small national banks that make at least 50 home loans per year.
OCC rescinds home-loan data rule
The Office of the Comptroller of the Currency (OCC) is rescinding its Fair Housing Home Loan Data System rule (12 CFR part 27), effective April 3, 2026. This removes the separate part 27 data-collection and recordkeeping requirements that only applied to national banks and makes information-collection requirements consistent with Regulations B and C (HMDA/ECOA).
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