HUD Renews Mortgage Data Collection, Because Paperwork Never Really Dies
Published Date: 11/5/2026
Notice
Summary
HUD wants to keep collecting info about home loans through the Home Mortgage Disclosure Act (HMDA) but with some updates. This affects banks and lenders who report loan data, helping keep mortgage lending fair and transparent. You’ve got until January 4, 2027, to share your thoughts—no cost changes yet, just a paperwork update!
Analyzed Economic Effects
1 provisions identified: 0 benefits, 1 costs, 0 mixed.
HMDA annual reporting burden on lenders
If you are a mortgage lender, HUD is proposing to continue annual Home Mortgage Disclosure Act (HMDA) Loan/Application Register reporting for 907 respondents, with each respondent estimated to spend 1,545 hours per annual response. HUD estimates the total annual burden is 1,401,315 hours and $78,866,008 in costs (using $56.28/hour); this is a reinstatement with change (OMB Control No. 2502-0539) and comments are due January 4, 2027.
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Key Dates
Department and Agencies
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