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data-mw-deduplicate="TemplateStyles:r1257001546">.mw-parser-output .infobox-subbox{padding:0;border:none;margin:-3px;width:auto;min-width:100%;font-size:100%;clear:none;float:none;background-color:transparent}.mw-parser-output .infobox-3cols-child{margin:auto}.mw-parser-output .infobox .navbar{font-size:100%}@media screen{html.skin-theme-clientpref-night .mw-parser-output .infobox-full-data:not(.notheme)>div:not(.notheme)[style]{background:#1f1f23!important;color:#f8f9fa}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .infobox-full-data:not(.notheme) div:not(.notheme){background:#1f1f23!important;color:#f8f9fa}}@media(min-width:640px){body.skin--responsive .mw-parser-output .infobox-table{display:table!important}body.skin--responsive .mw-parser-output .infobox-table>caption{display:table-caption!important}body.skin--responsive .mw-parser-output .infobox-table>tbody{display:table-row-group}body.skin--responsive .mw-parser-output .infobox-table tr{display:table-row!important}body.skin--responsive .mw-parser-output .infobox-table th,body.skin--responsive .mw-parser-output .infobox-table td{padding-left:inherit;padding-right:inherit}}</style><table class="infobox"><caption class="infobox-title" style="padding-bottom:0.25em">Home Mortgage Disclosure Act</caption><tbody><tr><td colspan="2" class="infobox-image"><span typeof="mw:File"><a href="/wiki/File:Great_Seal_of_the_United_States_(obverse).svg" class="mw-file-description"><img alt="Great Seal of the United States" src="//upload.wikimedia.org/wikipedia/commons/thumb/5/5c/Great_Seal_of_the_United_States_%28obverse%29.svg/140px-Great_Seal_of_the_United_States_%28obverse%29.svg.png" decoding="async" width="140" height="140" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/5/5c/Great_Seal_of_the_United_States_%28obverse%29.svg/210px-Great_Seal_of_the_United_States_%28obverse%29.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/5/5c/Great_Seal_of_the_United_States_%28obverse%29.svg/280px-Great_Seal_of_the_United_States_%28obverse%29.svg.png 2x" data-file-width="600" data-file-height="600" /></a></span></td></tr><tr><th scope="row" class="infobox-label" style="padding-top:0.245em;line-height:1.15em;padding-right:0.65em">Long title</th><td class="infobox-data" style="text-align:left;line-height:1.3em">An Act to extend the authority for the flexible regulation of interest rates on deposits and share accounts in depository institutions, to extend the National Commission on Electronic Fund Transfers, and to provide for home mortgage disclosure.</td></tr><tr><th scope="row" class="infobox-label" style="padding-top:0.245em;line-height:1.15em;padding-right:0.65em">Enacted by</th><td class="infobox-data" style="text-align:left;line-height:1.3em">the <a href="/wiki/94th_United_States_Congress" title="94th United States Congress">94th United States Congress</a></td></tr><tr><th scope="row" class="infobox-label" style="padding-top:0.245em;line-height:1.15em;padding-right:0.65em">Effective</th><td class="infobox-data" style="text-align:left;line-height:1.3em">December 31, 1975</td></tr><tr><th colspan="2" class="infobox-header" style="background:#bbddff">Citations</th></tr><tr><th scope="row" class="infobox-label" style="padding-top:0.245em;line-height:1.15em;padding-right:0.65em">Public law</th><td class="infobox-data" style="text-align:left;line-height:1.3em"><a rel="nofollow" class="external text" href="https://www.gpo.gov/fdsys/pkg/STATUTE-89/pdf/STATUTE-89-Pg1124.pdf">94-200</a></td></tr><tr><th scope="row" class="infobox-label" style="padding-top:0.245em;line-height:1.15em;padding-right:0.65em"><a href="/wiki/United_States_Statutes_at_Large" title="United States Statutes at Large"><span class="wrap">Statutes at Large</span></a></th><td class="infobox-data" style="text-align:left;line-height:1.3em">89 <a href="/wiki/United_States_Statutes_at_Large" title="United States Statutes at Large">Stat.</a> <a rel="nofollow" class="external text" href="https://legislink.org/us/stat-89-1124">1124</a></td></tr><tr><th colspan="2" class="infobox-header" style="background:#bbddff">Codification</th></tr><tr><th scope="row" class="infobox-label" style="padding-top:0.245em;line-height:1.15em;padding-right:0.65em">Titles amended</th><td class="infobox-data" style="text-align:left;line-height:1.3em"><a href="/wiki/Title_12_of_the_United_States_Code" title="Title 12 of the United States Code">12 U.S.C.: Banks and Banking</a></td></tr><tr><th scope="row" class="infobox-label" style="padding-top:0.245em;line-height:1.15em;padding-right:0.65em"><a href="/wiki/United_States_Code" title="United States Code">U.S.C.</a> sections created</th><td class="infobox-data" style="text-align:left;line-height:1.3em"><a href="/wiki/Title_12_of_the_United_States_Code" title="Title 12 of the United States Code">12 U.S.C.</a> <a rel="nofollow" class="external text" href="https://www.law.cornell.edu/uscode/text/12/chapter-29">ch. 29</a> §§ 2801-2811</td></tr><tr><th scope="row" class="infobox-label" style="padding-top:0.245em;line-height:1.15em;padding-right:0.65em">U.S.C. sections amended</th><td class="infobox-data" style="text-align:left;line-height:1.3em"><a href="/wiki/Title_12_of_the_United_States_Code" title="Title 12 of the United States Code">12 U.S.C.</a> <a rel="nofollow" class="external text" href="https://www.law.cornell.edu/uscode/text/12/chapter-3">ch. 3</a> § 461 et seq.</td></tr><tr><th colspan="2" class="infobox-header" style="background:#bbddff"><span class="nourlexpansion"><a rel="nofollow" class="external text" href="http://thomas.loc.gov/cgi-bin/bdquery/z?d094:SN01281:@@@R">Legislative history</a></span></th></tr><tr><td colspan="2" class="infobox-full-data" style="text-align:left;line-height:1.3em"><div><ul style="line-height:1.3em;text-align:left"><li><b>Introduced</b> in the Senate as <a rel="nofollow" class="external text" href="https://www.congress.gov/bill/94th-congress/senate-bill/1281">S. 1281</a> by <a href="/wiki/William_Proxmire" title="William Proxmire">William Proxmire</a> (<a href="/wiki/Democratic_Party_(United_States)" title="Democratic Party (United States)">D</a>–<a href="/wiki/Wisconsin" title="Wisconsin">WI</a>) on March 21, 1975</li><li><b>Committee consideration</b> by <a href="/wiki/United_States_Senate_Committee_on_Banking,_Housing,_and_Urban_Affairs" title="United States Senate Committee on Banking, Housing, and Urban Affairs">Senate Banking, Housing, and Urban Affairs</a>, <a href="/wiki/United_States_House_Committee_on_Financial_Services" title="United States House Committee on Financial Services">House Banking, Currency, and Housing</a></li><li><b>Passed the Senate</b> on September 4, 1975 (<a rel="nofollow" class="external text" href="https://www.govtrack.us/congress/votes/94-1975/s382">45-37</a>)</li><li><b>Passed the House</b> on October 31, 1975 (<a rel="nofollow" class="external text" href="https://www.govtrack.us/congress/votes/94-1975/h488">177-147</a>, in lieu of <a rel="nofollow" class="external text" href="https://www.congress.gov/bill/94th-congress/house-bill/10024">H.R. 10024</a>)</li><li><b>Reported by the joint conference committee</b> on December 12, 1975; <b>agreed to by the Senate</b> on December 15, 1975 (agreed) and by the <b>House</b> on December 18, 1975 (agreed)</li><li><b>Signed into law</b> by President <a href="/wiki/Gerald_Ford" title="Gerald Ford">Gerald Ford</a> on December 31, 1975</li></ul></div></td></tr></tbody></table> <p>The <b>Home Mortgage Disclosure Act</b> (or <b>HMDA</b>, pronounced <a href="/wiki/Help:Pronunciation_respelling_key" title="Help:Pronunciation respelling key"><i title="English pronunciation respelling"><span style="font-size:90%">HUM</span>-duh</i></a>) is a <a href="/wiki/United_States_federal_law" class="mw-redirect" title="United States federal law">United States federal law</a> that requires certain financial institutions to provide mortgage data to the public. Congress enacted HMDA in 1975.<sup id="cite_ref-1" class="reference"><a href="#cite_note-1"><span class="cite-bracket">[</span>1<span class="cite-bracket">]</span></a></sup> </p> <meta property="mw:PageProp/toc" /> <div class="mw-heading mw-heading2"><h2 id="Purposes">Purposes</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Home_Mortgage_Disclosure_Act&action=edit&section=1" title="Edit section: Purposes"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>HMDA grew out of public concern over credit shortages in certain urban neighborhoods. Congress believed that some financial institutions had contributed to the decline of some geographic areas by their failure to provide adequate home financing to qualified applicants on reasonable terms and conditions. Thus, one purpose of HMDA and Regulation C is to provide the public with information that will help show whether financial institutions are serving the housing credit needs of the neighborhoods and communities in which they are located. A second purpose is to aid public officials in targeting public investments from the private sector to areas where they are needed. Finally, the FIRREA amendments of 1989 require the collection and disclosure of data about applicant and borrower characteristics to assist in identifying possible discriminatory lending patterns and enforcing antidiscrimination statutes.<sup id="cite_ref-2" class="reference"><a href="#cite_note-2"><span class="cite-bracket">[</span>2<span class="cite-bracket">]</span></a></sup> </p><p>As the name implies, HMDA is a disclosure law that relies upon public scrutiny for its effectiveness. It does not prohibit any specific activity of lenders, and it does not establish a quota system of mortgage loans to be made in any <a href="/wiki/Metropolitan_Statistical_Area" class="mw-redirect" title="Metropolitan Statistical Area">Metropolitan Statistical Area</a> (MSA) or other geographic area as defined by the Office of Management and Budget.<sup id="cite_ref-3" class="reference"><a href="#cite_note-3"><span class="cite-bracket">[</span>3<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Who_reports_HMDA_data?"><span id="Who_reports_HMDA_data.3F"></span>Who reports HMDA data?</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Home_Mortgage_Disclosure_Act&action=edit&section=2" title="Edit section: Who reports HMDA data?"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>US financial institutions must report HMDA data to their regulator if they meet certain criteria, such as having assets above a specific threshold. The criteria are different for depository and non-depository institutions and are available on the FFIEC website.<sup id="cite_ref-4" class="reference"><a href="#cite_note-4"><span class="cite-bracket">[</span>4<span class="cite-bracket">]</span></a></sup> Additional information on institutional and transactional coverage for HMDA data collection years 2017 and onward can be found on the CFPB's regulation implementation page.<sup id="cite_ref-5" class="reference"><a href="#cite_note-5"><span class="cite-bracket">[</span>5<span class="cite-bracket">]</span></a></sup> The datasets containing information on HMDA reporters are the HMDA Panel<sup id="cite_ref-6" class="reference"><a href="#cite_note-6"><span class="cite-bracket">[</span>6<span class="cite-bracket">]</span></a></sup> and HMDA Transmittal Sheet. </p><p>In 2012, there were 7,400 institutions that reported a total of 18.7 million HMDA records.<sup id="cite_ref-7" class="reference"><a href="#cite_note-7"><span class="cite-bracket">[</span>7<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Details_of_the_law">Details of the law</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Home_Mortgage_Disclosure_Act&action=edit&section=3" title="Edit section: Details of the law"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Companies covered under HMDA are required to submit a Loan Application Register (LAR) to the FFIEC via the CFPB which acts as the HMDA processor. The LAR must contain the data outlined in the Filing Instruction Guide (FIG) for the relevant collection year for all covered applications or loans.<sup id="cite_ref-8" class="reference"><a href="#cite_note-8"><span class="cite-bracket">[</span>8<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-9" class="reference"><a href="#cite_note-9"><span class="cite-bracket">[</span>9<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-10" class="reference"><a href="#cite_note-10"><span class="cite-bracket">[</span>10<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-11" class="reference"><a href="#cite_note-11"><span class="cite-bracket">[</span>11<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Collection_of_HMDA_data">Collection of HMDA data</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Home_Mortgage_Disclosure_Act&action=edit&section=4" title="Edit section: Collection of HMDA data"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>For data from years prior to 2017 reporting institutions were required to submit their LARs by March 1 to the Federal Reserve Board on behalf of Federal Financial Institutions Examination Council (FFIEC), an interagency body empowered to administer HMDA. Pursuant to the <a href="/wiki/Dodd%E2%80%93Frank_Wall_Street_Reform_and_Consumer_Protection_Act" title="Dodd–Frank Wall Street Reform and Consumer Protection Act">Dodd–Frank Wall Street Reform and Consumer Protection Act</a>, as of 2018 HMDA data was to be submitted to the <a href="/wiki/Consumer_Financial_Protection_Bureau" title="Consumer Financial Protection Bureau">Consumer Financial Protection Bureau</a> via an online portal named the HMDA Platform.<sup id="cite_ref-12" class="reference"><a href="#cite_note-12"><span class="cite-bracket">[</span>12<span class="cite-bracket">]</span></a></sup> The first year of data submitted via this process was 2017. </p><p>The Dodd-Frank expanded the data fields collected under HMDA to provide better regulatory and public visibility into mortgage markets. Some changes include: </p> <ul><li>the option for applicants and borrowers to self report race and ethnicity information in disaggregated format.<sup id="cite_ref-:0_13-0" class="reference"><a href="#cite_note-:0-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-14" class="reference"><a href="#cite_note-14"><span class="cite-bracket">[</span>14<span class="cite-bracket">]</span></a></sup> <sup id="cite_ref-15" class="reference"><a href="#cite_note-15"><span class="cite-bracket">[</span>15<span class="cite-bracket">]</span></a></sup> The collection of race and ethnicity data requires a specific exemption from Regulation B, which implements the <a href="/wiki/Equal_Credit_Opportunity_Act" title="Equal Credit Opportunity Act">Equal Credit Opportunity Act</a> (ECOA).</li> <li>other expanded demographic data</li> <li>expanded data on loan features and types</li> <li>use of <a href="/wiki/Legal_Entity_Identifier" title="Legal Entity Identifier">Legal Entity Identifier (LEI)</a> as a primary identifier for HMDA reporters</li> <li>use of Universal Loan Identifier (ULI), unless claiming partial exemption, that incorporates a check digit<sup id="cite_ref-16" class="reference"><a href="#cite_note-16"><span class="cite-bracket">[</span>16<span class="cite-bracket">]</span></a></sup> for accuracy</li> <li>changes in units of measure or enumerations to previously collected fields</li></ul> <p>On behalf of the FFIEC, the CFPB maintains a HMDA compliance guide that is publicly available and contains information on how and what to report in the data collection.<sup id="cite_ref-17" class="reference"><a href="#cite_note-17"><span class="cite-bracket">[</span>17<span class="cite-bracket">]</span></a></sup> Additional tools are made available by the FFIEC to facilitate compliance with Regulation C.<sup id="cite_ref-18" class="reference"><a href="#cite_note-18"><span class="cite-bracket">[</span>18<span class="cite-bracket">]</span></a></sup> </p><p>The <a href="/wiki/Economic_Growth,_Regulatory_Relief_and_Consumer_Protection_Act" class="mw-redirect" title="Economic Growth, Regulatory Relief and Consumer Protection Act">Economic Growth, Regulatory Relief and Consumer Protection Act</a> allowed small banks to claim partial exemptions from reporting certain data fields if their <a href="/wiki/Community_Reinvestment_Act" title="Community Reinvestment Act">Community Reinvestment Act</a> ratings were not low and they were below certain counts for mortgage activity.<sup id="cite_ref-19" class="reference"><a href="#cite_note-19"><span class="cite-bracket">[</span>19<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="Data_collected_in_the_LAR">Data collected in the LAR</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Home_Mortgage_Disclosure_Act&action=edit&section=5" title="Edit section: Data collected in the LAR"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>Contents of the HMDA data collection for 2017<sup id="cite_ref-20" class="reference"><a href="#cite_note-20"><span class="cite-bracket">[</span>20<span class="cite-bracket">]</span></a></sup> and prior: </p> <ul><li>The date of application</li> <li>The loan type (conventional loan, <a href="/wiki/FHA_loan" class="mw-redirect" title="FHA loan">FHA loan</a>, <a href="/wiki/VA_loan" title="VA loan">VA loan</a> or a loan guaranteed by the <a href="/wiki/Farmers_Home_Administration" title="Farmers Home Administration">Farmers Home Administration</a>)</li> <li>The type of property involved (single-family, multifamily)</li> <li>The purpose of the loan (home purchase, home improvement, refinancing)</li> <li>Owner occupancy of the property (owner occupied or non-owner occupied)</li> <li>The loan amount</li> <li>Whether or not the application was a request for pre-approval</li> <li>The type of action taken (approved, denied, withdrawn, etc.)</li> <li>The date of action taken</li> <li>The location (state, county, <a href="/wiki/Metropolitan_Statistical_Area" class="mw-redirect" title="Metropolitan Statistical Area">MSA</a> and <a href="/wiki/Census_tract" title="Census tract">census tract</a>) of the property</li> <li>The ethnicity (Hispanic or non-Hispanic) of the borrower(s)</li> <li>The race of the borrower(s)</li> <li>The gender of the borrower(s)</li> <li>The gross annual income of the borrower(s)</li> <li>If the loan was subsequently sold in the <a href="/wiki/Secondary_market" title="Secondary market">secondary market</a>, the type of entity that purchased it<sup class="noprint Inline-Template Template-Fact" style="white-space:nowrap;">[<i><a href="/wiki/Wikipedia:Citation_needed" title="Wikipedia:Citation needed"><span title="This claim needs references to reliable sources. (July 2010)">citation needed</span></a></i>]</sup></li> <li>If the loan was denied, the reason why it was denied (this field is optional for entities not regulated by the <a href="/wiki/Office_of_the_Comptroller_of_the_Currency" title="Office of the Comptroller of the Currency">Office of the Comptroller of the Currency</a>)</li> <li>Rate Spread (Rate Spread is the difference between the <a href="/wiki/Annual_percentage_rate" title="Annual percentage rate">APR</a> of the loan and the <a rel="nofollow" class="external text" href="https://www.mortgagesanalyzed.com/gyan/glossary/average-prime-offer-rate">APOR</a> for the week in which the interest rate was locked<sup id="cite_ref-21" class="reference"><a href="#cite_note-21"><span class="cite-bracket">[</span>21<span class="cite-bracket">]</span></a></sup>)</li> <li>If the loan is or is not subject to the <a href="/wiki/Home_Ownership_and_Equity_Protection_Act_of_1994" title="Home Ownership and Equity Protection Act of 1994">Home Ownership and Equity Protection Act of 1994</a></li> <li>Lien status of the loan (1st or 2nd lien)</li></ul> <p><br /> New or changed contents of the HMDA data collection for 2018<sup id="cite_ref-22" class="reference"><a href="#cite_note-22"><span class="cite-bracket">[</span>22<span class="cite-bracket">]</span></a></sup> and onward: </p> <ul><li>Credit score;</li> <li><a href="/wiki/Nationwide_Multi-State_Licensing_System_and_Registry" title="Nationwide Multi-State Licensing System and Registry">NMLS</a> Identification of the loan originator;</li> <li>Application channel;</li> <li>Applicant or co-applicant age;</li> <li>Combined loan-to-value (CLTV) ratio;</li> <li>Borrower's debt-to-income (DTI) ratio;</li> <li>Borrower-paid origination charges;</li> <li>Points and fees;</li> <li>Discount points;</li> <li>Lender credits;</li> <li>Loan term;</li> <li>Prepayment penalties;</li> <li>Non-amortizing loan features;</li> <li>Interest rate; and</li> <li>Rate spread for all loans.</li></ul> <div class="mw-heading mw-heading2"><h2 id="Publication_of_HMDA_data_and_related_products">Publication of HMDA data and related products</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Home_Mortgage_Disclosure_Act&action=edit&section=6" title="Edit section: Publication of HMDA data and related products"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>HMDA data products are hosted on behalf of the FFIEC by the <a href="/wiki/Federal_Reserve_Board_of_Governors" title="Federal Reserve Board of Governors">Federal Reserve Board</a><sup id="cite_ref-23" class="reference"><a href="#cite_note-23"><span class="cite-bracket">[</span>23<span class="cite-bracket">]</span></a></sup> for data HMDA collections for 2016 and prior and the CFPB for HMDA collections 2017 and later.<sup id="cite_ref-24" class="reference"><a href="#cite_note-24"><span class="cite-bracket">[</span>24<span class="cite-bracket">]</span></a></sup> Additionally, historic files prior to 2014 can be found at the <a href="/wiki/National_Archives_and_Records_Administration" title="National Archives and Records Administration">National Archives and Records Administration</a> (NARA) website. The NARA files include both Final and Ultimate datasets. The Final datasets include one year of resubmissions and late submissions by HMDA reporters and the Ultimate files contain two years of late and resubmitted data. NARA files include the statistical aggregates collected prior to 1990, the transaction level data collected in 1990 and onward, and the Aggregate<sup id="cite_ref-25" class="reference"><a href="#cite_note-25"><span class="cite-bracket">[</span>25<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-26" class="reference"><a href="#cite_note-26"><span class="cite-bracket">[</span>26<span class="cite-bracket">]</span></a></sup> and Disclosure<sup id="cite_ref-27" class="reference"><a href="#cite_note-27"><span class="cite-bracket">[</span>27<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-28" class="reference"><a href="#cite_note-28"><span class="cite-bracket">[</span>28<span class="cite-bracket">]</span></a></sup> reports produced from those data. The Aggregate and Disclosure reports were modified in 2018 due to changes in Regulation C.<sup id="cite_ref-29" class="reference"><a href="#cite_note-29"><span class="cite-bracket">[</span>29<span class="cite-bracket">]</span></a></sup> </p><p>In order to determine what transaction level data would be made public in the 2018 and onward HMDA collections, the CFPB used a balancing test method that weighed public utility of the data against potential for consumer harm.<sup id="cite_ref-30" class="reference"><a href="#cite_note-30"><span class="cite-bracket">[</span>30<span class="cite-bracket">]</span></a></sup> The application of the balancing test resulted in some fields being redacted and others being modified in order to protect applicant and borrower privacy. </p><p>HMDA datasets are published annually and include the Loan Application Register (LAR), Transmittal Sheet (TS), and Panel. The LAR contains transaction level data that were covered by Regulation C during the collection year. The LAR is one of the few datasets that contains application data as well as originated mortgages which allows calculation of denial rates and must be accounted for when analyzing HMDA data. The Transmittal Sheet contains self reported information related to HMDA reporters. The Panel is a compilation of regulatory data related to an institution that is used to profile HMDA reporters by peer group, such as by asset size, or by depository status and provide identifiers that link to other datasets, such as the CRA and the <a rel="nofollow" class="external text" href="https://www.ffiec.gov/NPW">National Information Center</a>. Initial dataset publications are referred to as the Modified LAR and are available on 3/31 of each calendar year.<sup id="cite_ref-31" class="reference"><a href="#cite_note-31"><span class="cite-bracket">[</span>31<span class="cite-bracket">]</span></a></sup> Later in the year additional datasets are published including the Snapshot,<sup id="cite_ref-32" class="reference"><a href="#cite_note-32"><span class="cite-bracket">[</span>32<span class="cite-bracket">]</span></a></sup> a point in time copy of HMDA of all three annual HMDA datasets, and Dynamic, TS and LAR files that are updated weekly. </p><p>The <a rel="nofollow" class="external text" href="https://ffiec.cfpb.gov/data-browser/">HMDA Data Browser</a> was launched as an access tool for the 2018 and onward HMDA collections. The Data Browser allows filtering by geographic location, including State, MSA, and county, HMDA reporter, by LEI or name, and up to two additional data fields.<sup id="cite_ref-33" class="reference"><a href="#cite_note-33"><span class="cite-bracket">[</span>33<span class="cite-bracket">]</span></a></sup> The Data Browser also allows access via API.<sup id="cite_ref-34" class="reference"><a href="#cite_note-34"><span class="cite-bracket">[</span>34<span class="cite-bracket">]</span></a></sup> </p> <div class="mw-heading mw-heading2"><h2 id="HMDA_Data_Use_in_Fair_Lending_Analysis">HMDA Data Use in Fair Lending Analysis</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Home_Mortgage_Disclosure_Act&action=edit&section=7" title="Edit section: HMDA Data Use in Fair Lending Analysis"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <p>HMDA data can be used to identify indicators of potential mortgage discrimination, however HMDA does not contain sufficient data to make conclusive determinations regarding discrimination. In all cases of possible discrimination, the basic regulatory inquiry revolves around whether a protected class of persons being denied a loan or offered different terms for reasons other than objectively acceptable characteristics (e.g. income, collateral). </p> <ul><li>If an institution turns down a disproportionate percentage of applications by certain races (e.g. African Americans), ethnicities (e.g. Hispanics), or genders (typically women), then there is reason to suspect that the institution may be discriminating against these classes of borrowers by unfairly denying them credit. Such discrimination is illegal in the United States. Although well-documented during the period of local bank dominance in American history, the rise of mass financial institutions since the early 1990s has led to increasing investor scrutiny regarding profits, and hence a lower likelihood that a bank can afford to subsidize such outright discrimination by forgoing loan originations. Yet several recent studies using HMDA data still detect racial and ethnic disparities in lending activity, even when factors such as income are accounted for statistically.<sup id="cite_ref-:0_13-1" class="reference"><a href="#cite_note-:0-13"><span class="cite-bracket">[</span>13<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-35" class="reference"><a href="#cite_note-35"><span class="cite-bracket">[</span>35<span class="cite-bracket">]</span></a></sup><sup id="cite_ref-36" class="reference"><a href="#cite_note-36"><span class="cite-bracket">[</span>36<span class="cite-bracket">]</span></a></sup></li> <li>If an institution has a disproportionately low percentage of applications by certain races (e.g. African Americans), ethnicities (e.g. Hispanics) or genders (typically women) then there is reason to suspect that the institution may be discriminating against these classes of borrowers by unfairly discouraging them from applying for mortgage loans. Such discrimination is illegal in the United States. However, there is tension in this arena between attempts by banks to attract high quality borrowers and the extent to which borrower quality corresponds with a protected status. This type of monitoring, however, has been particularly effective as reducing implicit or referral based discrimination, where a discriminatory body, e.g. a local sporting club who quietly favors an all-white membership, is relied upon to recommend applicants. Banks are now wary of entering such relationships, insofar as they expose the lender to the liability associated with the discriminatory behavior of the partner organization.</li> <li>If an institution has a disproportionately low percentage of applications from certain areas, compared to areas immediately surrounding the area in question, then there is reason to suspect that the institution is engaging in redlining. However, note that few banks are found to be in violation of redlining clauses, as many pricing or approval models that are deemed legally valid are driven by factors with the implicit effect of redlining geographic areas if these areas contain a disproportionate number of poorly qualified borrowers. Rather, redlining must be quite overt to draw attention (e.g. using zip codes as a lending criterion).</li> <li>If there is a disproportionate prevalence of high-interest loans to certain classes of borrowers (e.g., Hispanics or women), other attributes equal, then there is a reason to suspect that the institution is engaging in price based discrimination. This is the most active area of compliance monitoring with respect to HMDA data, since risk management policies at many financial institutions are quick to identify outright discrimination by lending officers (i.e. denials based on a protected category).</li></ul> <p>Simultaneously, this area is the rifest for contention with respect to discriminatory claims, since there are market driven reasons for charging a higher rate that may exhibit discriminatory patterns. For example, a loan officer may query applicants to see if they have applied and been approved for a loan at any other banks. The rate for those that can produce another institution's offer may then be adjusted accordingly to remain competitive. However, if a certain ethnic group is less likely to "shop around" for the best rate, then the mere application of this principle — which is otherwise non-discriminatory in intent — can produce discriminatory effects. Many disputes between lenders and regulators in the context of price discrimination relate to such scenarios. Again, the key litmus test is whether the objective characteristic being used to lower or raise the mortgage rate for a given group is substantive in its own right with respect to the risk or profitability of the potential loan, rather than mere a proxy for racial discrimination. </p> <div class="mw-heading mw-heading2"><h2 id="References">References</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Home_Mortgage_Disclosure_Act&action=edit&section=8" title="Edit section: References"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <style data-mw-deduplicate="TemplateStyles:r1239543626">.mw-parser-output .reflist{margin-bottom:0.5em;list-style-type:decimal}@media screen{.mw-parser-output .reflist{font-size:90%}}.mw-parser-output .reflist .references{font-size:100%;margin-bottom:0;list-style-type:inherit}.mw-parser-output .reflist-columns-2{column-width:30em}.mw-parser-output .reflist-columns-3{column-width:25em}.mw-parser-output .reflist-columns{margin-top:0.3em}.mw-parser-output .reflist-columns ol{margin-top:0}.mw-parser-output .reflist-columns li{page-break-inside:avoid;break-inside:avoid-column}.mw-parser-output .reflist-upper-alpha{list-style-type:upper-alpha}.mw-parser-output .reflist-upper-roman{list-style-type:upper-roman}.mw-parser-output .reflist-lower-alpha{list-style-type:lower-alpha}.mw-parser-output .reflist-lower-greek{list-style-type:lower-greek}.mw-parser-output .reflist-lower-roman{list-style-type:lower-roman}</style><div class="reflist"> <div class="mw-references-wrap mw-references-columns"><ol class="references"> <li id="cite_note-1"><span class="mw-cite-backlink"><b><a href="#cite_ref-1">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="http://www.fdic.gov/regulations/laws/rules/6500-3030.html#6500hmda1975">Home Mortgage Disclosure Act of 1975</a></span> </li> <li id="cite_note-2"><span class="mw-cite-backlink"><b><a href="#cite_ref-2">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://files.consumerfinance.gov/f/201210_cfpb_supervision-and-examination-manual-v2.pdf#page=315">Consumer Financial Protection Bureau's Supervision and Exam Manual</a></span> </li> <li id="cite_note-3"><span class="mw-cite-backlink"><b><a href="#cite_ref-3">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://files.consumerfinance.gov/f/201210_cfpb_supervision-and-examination-manual-v2.pdf#page=315">Consumer Financial Protection Bureau's Supervision and Exam Manual</a></span> </li> <li id="cite_note-4"><span class="mw-cite-backlink"><b><a href="#cite_ref-4">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://www.ffiec.gov/hmda/reporter.htm">Reporting Criteria</a></span> </li> <li id="cite_note-5"><span class="mw-cite-backlink"><b><a href="#cite_ref-5">^</a></b></span> <span class="reference-text"><style data-mw-deduplicate="TemplateStyles:r1238218222">.mw-parser-output cite.citation{font-style:inherit;word-wrap:break-word}.mw-parser-output .citation q{quotes:"\"""\"""'""'"}.mw-parser-output .citation:target{background-color:rgba(0,127,255,0.133)}.mw-parser-output .id-lock-free.id-lock-free a{background:url("//upload.wikimedia.org/wikipedia/commons/6/65/Lock-green.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-limited.id-lock-limited a,.mw-parser-output .id-lock-registration.id-lock-registration a{background:url("//upload.wikimedia.org/wikipedia/commons/d/d6/Lock-gray-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .id-lock-subscription.id-lock-subscription a{background:url("//upload.wikimedia.org/wikipedia/commons/a/aa/Lock-red-alt-2.svg")right 0.1em center/9px no-repeat}.mw-parser-output .cs1-ws-icon 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.citation .mw-selflink{font-weight:inherit}@media screen{.mw-parser-output .cs1-format{font-size:95%}html.skin-theme-clientpref-night .mw-parser-output .cs1-maint{color:#18911f}}@media screen and (prefers-color-scheme:dark){html.skin-theme-clientpref-os .mw-parser-output .cs1-maint{color:#18911f}}</style><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/hmda-reporting-requirements/">"Home mortgage disclosure reporting requirements"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Home+mortgage+disclosure+reporting+requirements&rft_id=https%3A%2F%2Fwww.consumerfinance.gov%2Fcompliance%2Fcompliance-resources%2Fmortgage-resources%2Fhmda-reporting-requirements%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-6"><span class="mw-cite-backlink"><b><a href="#cite_ref-6">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://ffiec.cfpb.gov/documentation/2020/public-panel-schema/">"Public Panel Schema 2020"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Public+Panel+Schema+2020&rft_id=https%3A%2F%2Fffiec.cfpb.gov%2Fdocumentation%2F2020%2Fpublic-panel-schema%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-7"><span class="mw-cite-backlink"><b><a href="#cite_ref-7">^</a></b></span> <span class="reference-text"><a rel="nofollow" class="external text" href="https://www.ffiec.gov/press/pr091813.htm">FFIEC Press Release</a></span> </li> <li id="cite_note-8"><span class="mw-cite-backlink"><b><a href="#cite_ref-8">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://files.consumerfinance.gov/f/documents/cfpb_2021-reportable-hmda-data.pdf">"Reportable HMDA Data: A Regulatory and Reporting Overview Reference Chart for HMDA Data Collected in 2021"</a> <span class="cs1-format">(PDF)</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Reportable+HMDA+Data%3A+A+Regulatory+and+Reporting+Overview+Reference+Chart+for+HMDA+Data+Collected+in+2021&rft_id=https%3A%2F%2Ffiles.consumerfinance.gov%2Ff%2Fdocuments%2Fcfpb_2021-reportable-hmda-data.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-9"><span class="mw-cite-backlink"><b><a href="#cite_ref-9">^</a></b></span> <span 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id="cite_note-:0-13"><span class="mw-cite-backlink">^ <a href="#cite_ref-:0_13-0"><sup><i><b>a</b></i></sup></a> <a href="#cite_ref-:0_13-1"><sup><i><b>b</b></i></sup></a></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFQuestsoft" class="citation web cs1">Questsoft. <a rel="nofollow" class="external text" href="https://web.archive.org/web/20180313093605/https://www.questsoft.com/products-services/hmda-relief/hmda-frequently-asked-questions#graphic1">"HMDA Frequently Asked Questions"</a>. 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href="https://ffiec.cfpb.gov/data-publication/aggregate-reports">"Aggregate Reports"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Aggregate+Reports&rft_id=https%3A%2F%2Fffiec.cfpb.gov%2Fdata-publication%2Faggregate-reports&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-26"><span class="mw-cite-backlink"><b><a href="#cite_ref-26">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.ffiec.gov/hmdaadwebreport/aggwelcome.aspx">"Aggregate Reports"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Aggregate+Reports&rft_id=https%3A%2F%2Fwww.ffiec.gov%2Fhmdaadwebreport%2Faggwelcome.aspx&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-27"><span class="mw-cite-backlink"><b><a href="#cite_ref-27">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://www.ffiec.gov/hmdaadwebreport/DisWelcome.aspx">"Disclosure Reports"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Disclosure+Reports&rft_id=https%3A%2F%2Fwww.ffiec.gov%2Fhmdaadwebreport%2FDisWelcome.aspx&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-28"><span class="mw-cite-backlink"><b><a href="#cite_ref-28">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://ffiec.cfpb.gov/data-publication/disclosure-reports">"Disclosure Reports"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Disclosure+Reports&rft_id=https%3A%2F%2Fffiec.cfpb.gov%2Fdata-publication%2Fdisclosure-reports&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-29"><span class="mw-cite-backlink"><b><a href="#cite_ref-29">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://ffiec.cfpb.gov/documentation/2018/ad-changes/">"A&D Report Changes Between 2017 and 2018"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=A%26D+Report+Changes+Between+2017+and+2018&rft_id=https%3A%2F%2Fffiec.cfpb.gov%2Fdocumentation%2F2018%2Fad-changes%2F&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-30"><span class="mw-cite-backlink"><b><a href="#cite_ref-30">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://files.consumerfinance.gov/f/documents/HMDA_Data_Disclosure_Policy_Guidance.Executive_Summary.FINAL.12212018.pdf">"Executive Summary of the HMDA Data Disclosure Policy Guidance"</a> <span class="cs1-format">(PDF)</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Executive+Summary+of+the+HMDA+Data+Disclosure+Policy+Guidance&rft_id=https%3A%2F%2Ffiles.consumerfinance.gov%2Ff%2Fdocuments%2FHMDA_Data_Disclosure_Policy_Guidance.Executive_Summary.FINAL.12212018.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-31"><span class="mw-cite-backlink"><b><a href="#cite_ref-31">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://ffiec.cfpb.gov/data-publication/modified-lar">"Modified Loan/Application register (LAR)"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Modified+Loan%2FApplication+register+%28LAR%29&rft_id=https%3A%2F%2Fffiec.cfpb.gov%2Fdata-publication%2Fmodified-lar&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-32"><span class="mw-cite-backlink"><b><a href="#cite_ref-32">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://ffiec.cfpb.gov/data-publication/snapshot-national-loan-level-dataset">"Snapshot National Loan-Level Dataset"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Snapshot+National+Loan-Level+Dataset&rft_id=https%3A%2F%2Fffiec.cfpb.gov%2Fdata-publication%2Fsnapshot-national-loan-level-dataset&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-33"><span class="mw-cite-backlink"><b><a href="#cite_ref-33">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://ffiec.cfpb.gov/documentation/2018/data-browser-filters/#action_taken">"Data Browser Filters"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Data+Browser+Filters&rft_id=https%3A%2F%2Fffiec.cfpb.gov%2Fdocumentation%2F2018%2Fdata-browser-filters%2F%23action_taken&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-34"><span class="mw-cite-backlink"><b><a href="#cite_ref-34">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite class="citation web cs1"><a rel="nofollow" class="external text" href="https://cfpb.github.io/hmda-platform/#data-browser-api">"Data Browser API"</a>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Data+Browser+API&rft_id=https%3A%2F%2Fcfpb.github.io%2Fhmda-platform%2F%23data-browser-api&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-35"><span class="mw-cite-backlink"><b><a href="#cite_ref-35">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFNational_Community_Reinvestment_Coalition2015" class="citation web cs1">National Community Reinvestment Coalition (November 2015). <a rel="nofollow" class="external text" href="https://ncrc.org/wp-content/uploads/2015/11/ncrc_baltimore_lending_analysis_web.pdf">"Home Mortgage and Small Business Lending in Baltimore and Surrounding Areas"</a> <span class="cs1-format">(PDF)</span><span class="reference-accessdate">. Retrieved <span class="nowrap">March 3,</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Home+Mortgage+and+Small+Business+Lending+in+Baltimore+and+Surrounding+Areas&rft.date=2015-11&rft.au=National+Community+Reinvestment+Coalition&rft_id=https%3A%2F%2Fncrc.org%2Fwp-content%2Fuploads%2F2015%2F11%2Fncrc_baltimore_lending_analysis_web.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> <li id="cite_note-36"><span class="mw-cite-backlink"><b><a href="#cite_ref-36">^</a></b></span> <span class="reference-text"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1238218222"><cite id="CITEREFBoard_of_Governors_of_the_Federal_Reserve_System2017" class="citation web cs1">Board of Governors of the Federal Reserve System (November 2017). <a rel="nofollow" class="external text" href="https://www.federalreserve.gov/publications/files/2016_HMDA.pdf">"Residential Mortgage Lending in 2016 Evidence from the Home Mortgage Disclosure Act Data"</a> <span class="cs1-format">(PDF)</span><span class="reference-accessdate">. Retrieved <span class="nowrap">March 3,</span> 2018</span>.</cite><span title="ctx_ver=Z39.88-2004&rft_val_fmt=info%3Aofi%2Ffmt%3Akev%3Amtx%3Abook&rft.genre=unknown&rft.btitle=Residential+Mortgage+Lending+in+2016+Evidence+from+the+Home+Mortgage+Disclosure+Act+Data&rft.date=2017-11&rft.au=Board+of+Governors+of+the+Federal+Reserve+System&rft_id=https%3A%2F%2Fwww.federalreserve.gov%2Fpublications%2Ffiles%2F2016_HMDA.pdf&rfr_id=info%3Asid%2Fen.wikipedia.org%3AHome+Mortgage+Disclosure+Act" class="Z3988"></span></span> </li> </ol></div></div> <div class="mw-heading mw-heading2"><h2 id="External_links">External links</h2><span class="mw-editsection"><span class="mw-editsection-bracket">[</span><a href="/w/index.php?title=Home_Mortgage_Disclosure_Act&action=edit&section=9" title="Edit section: External links"><span>edit</span></a><span class="mw-editsection-bracket">]</span></span></div> <ul><li><a rel="nofollow" class="external text" href="https://www.govinfo.gov/content/pkg/COMPS-273/uslm/COMPS-273.xml">Home Mortgage Disclosure Act of 1975</a> (<a rel="nofollow" class="external text" href="https://www.govinfo.gov/content/pkg/COMPS-273/pdf/COMPS-273.pdf">PDF</a>/<a rel="nofollow" class="external text" href="https://www.govinfo.gov/app/details/COMPS-273/">details</a>) as amended in the <a href="/wiki/United_States_Government_Publishing_Office" title="United States Government Publishing Office">GPO</a> <a rel="nofollow" class="external text" href="https://www.govinfo.gov/help/comps">Statute Compilations collection</a></li> <li><a rel="nofollow" class="external text" href="https://www.ffiec.gov/hmda/">FFIEC about HMDA</a></li> <li><a rel="nofollow" class="external text" href="https://www.consumerfinance.gov/hmda/">Maps and charts from Consumer Financial Protection Bureau</a></li> <li><a rel="nofollow" class="external text" href="https://fraser.stlouisfed.org/title/1038">Public Law 94-200, 94th Congress, S. 1281: An Act to extend the authority for the flexible regulation of interest rates on deposits and share accounts in depository institutions, to extend the National Commission on Electronic Fund Transfers, and to provide for home mortgage disclosure. [Home Mortgage Disclosure Act]</a></li></ul> <div class="navbox-styles"><style data-mw-deduplicate="TemplateStyles:r1129693374">.mw-parser-output .hlist dl,.mw-parser-output .hlist ol,.mw-parser-output .hlist ul{margin:0;padding:0}.mw-parser-output .hlist dd,.mw-parser-output .hlist dt,.mw-parser-output .hlist li{margin:0;display:inline}.mw-parser-output .hlist.inline,.mw-parser-output .hlist.inline dl,.mw-parser-output .hlist.inline ol,.mw-parser-output .hlist.inline ul,.mw-parser-output .hlist dl dl,.mw-parser-output .hlist dl ol,.mw-parser-output .hlist dl ul,.mw-parser-output .hlist ol dl,.mw-parser-output .hlist ol ol,.mw-parser-output .hlist ol ul,.mw-parser-output .hlist ul dl,.mw-parser-output .hlist ul ol,.mw-parser-output .hlist ul ul{display:inline}.mw-parser-output .hlist .mw-empty-li{display:none}.mw-parser-output .hlist dt::after{content:": "}.mw-parser-output .hlist dd::after,.mw-parser-output .hlist li::after{content:" · ";font-weight:bold}.mw-parser-output .hlist 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Note</a></li> <li><a href="/wiki/Federal_Reserve_Bank_Note" title="Federal Reserve Bank Note">Federal Reserve Bank Note</a></li></ul> </div></td><td class="noviewer navbox-image" rowspan="8" style="width:1px;padding:0 0 0 2px"><div><span typeof="mw:File"><span><img alt="" src="//upload.wikimedia.org/wikipedia/commons/thumb/1/1a/Seal_of_the_United_States_Federal_Reserve_System.svg/80px-Seal_of_the_United_States_Federal_Reserve_System.svg.png" decoding="async" width="80" height="80" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/1/1a/Seal_of_the_United_States_Federal_Reserve_System.svg/120px-Seal_of_the_United_States_Federal_Reserve_System.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/1/1a/Seal_of_the_United_States_Federal_Reserve_System.svg/160px-Seal_of_the_United_States_Federal_Reserve_System.svg.png 2x" data-file-width="249" data-file-height="249" /></span></span></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Reports</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Beige_Book" title="Beige Book">Beige Book</a></li> <li><a href="/wiki/Federal_Reserve_Statistical_Release" title="Federal Reserve Statistical Release">Federal Reserve Statistical Release</a></li> <li><a href="/wiki/Monetary_Policy_Report_to_the_Congress" title="Monetary Policy Report to the Congress">Monetary Policy Report to the Congress</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Federal funds</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Discount_window" title="Discount window">Discount window</a> <ul><li><a href="/wiki/Bank_rate" title="Bank rate">Bank rate</a></li></ul></li> <li><a href="/wiki/Federal_funds" title="Federal funds">Federal funds</a></li> <li><a href="/wiki/Federal_funds_rate" title="Federal funds rate">Federal funds rate</a> <ul><li><a href="/wiki/Overnight_rate" title="Overnight rate">Overnight rate</a></li></ul></li> <li><a href="/wiki/Primary_dealer" title="Primary dealer">Primary dealer</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/History_of_the_Federal_Reserve_System" title="History of the Federal Reserve System">History</a><br />(<a href="/wiki/History_of_central_banking_in_the_United_States" title="History of central banking in the United States">Antecedents</a>)</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Aldrich%E2%80%93Vreeland_Act" title="Aldrich–Vreeland Act">Aldrich–Vreeland Act</a> (1908)</li> <li><a href="/wiki/National_Monetary_Commission" title="National Monetary Commission">National Monetary Commission</a> (1909–1912)</li> <li><a href="/wiki/Federal_Reserve_Act" title="Federal Reserve Act">Federal Reserve Act</a> (1913)</li> <li><a href="/wiki/Pittman_Act" title="Pittman Act">Pittman Act</a> (1918)</li> <li><a href="/wiki/Edge_Act" title="Edge Act">Edge Act</a> (1919)</li> <li><a href="/wiki/Phelan_Act_of_1920" title="Phelan Act of 1920">Phelan Act</a> (1920)</li> <li><a href="/wiki/Regulation_D_(FRB)" title="Regulation D (FRB)">Regulation D</a> (c. 1930)</li> <li><a href="/wiki/Emergency_Banking_Act" class="mw-redirect" title="Emergency Banking Act">Emergency Banking Act</a> (1933)</li> <li><a href="/wiki/Regulation_Q" title="Regulation Q">Regulation Q</a> (1933)</li> <li><a href="/wiki/1933_Banking_Act" title="1933 Banking Act">Glass–Steagall Act</a> (1933)</li> <li><a href="/wiki/Gold_Reserve_Act" title="Gold Reserve Act">Gold Reserve Act</a> (1934)</li> <li><a href="/wiki/Banking_Act_of_1935" title="Banking Act of 1935">Banking Act of 1935</a></li> <li><a href="/wiki/Bretton_Woods_system" title="Bretton Woods system">Bretton Woods system</a> (1944–1971)</li> <li><a href="/wiki/Employment_Act_of_1946" title="Employment Act of 1946">Employment Act of 1946</a></li> <li><a href="/wiki/History_of_the_Federal_Reserve_System" title="History of the Federal Reserve System">U.S. Treasury Department Accord</a> (1951)</li> <li><a href="/wiki/Bank_Holding_Company_Act" title="Bank Holding Company Act">Bank Holding Company Act</a> (1956)</li> <li><a href="/wiki/History_of_Federal_Open_Market_Committee_actions" title="History of Federal Open Market Committee actions">FOMC actions</a> (1961–present)</li> <li><a href="/wiki/Truth_in_Lending_Act" title="Truth in Lending Act">Truth in Lending Act</a> (1968)</li> <li><a href="/wiki/Nixon_shock" title="Nixon shock">Nixon shock</a> (1971)</li> <li><a href="/wiki/Smithsonian_Agreement" title="Smithsonian Agreement">Smithsonian Agreement</a> (1971)</li> <li><a href="/wiki/Equal_Credit_Opportunity_Act" title="Equal Credit Opportunity Act">Equal Credit Opportunity Act</a> (1974)</li> <li><a class="mw-selflink selflink">Home Mortgage Disclosure Act</a> (1975)</li> <li><a href="/wiki/Community_Reinvestment_Act" title="Community Reinvestment Act">Community Reinvestment Act</a> (1977)</li> <li><a href="/wiki/Federal_Reserve_Reform_Act_of_1977" title="Federal Reserve Reform Act of 1977">Federal Reserve Reform Act</a> (1977)</li> <li><a href="/wiki/Electronic_Fund_Transfer_Act" title="Electronic Fund Transfer Act">Electronic Fund Transfer Act</a> (1978)</li> <li><a href="/wiki/Humphrey%E2%80%93Hawkins_Full_Employment_Act" title="Humphrey–Hawkins Full Employment Act">Humphrey–Hawkins Full Employment Act</a> (1978)</li> <li><a href="/wiki/International_Banking_Act_of_1978" title="International Banking Act of 1978">International Banking Act</a> (1978)</li> <li><a href="/wiki/Depository_Institutions_Deregulation_and_Monetary_Control_Act" title="Depository Institutions Deregulation and Monetary Control Act">DIDMC Act</a> (1980)</li> <li><i><a href="/wiki/Board_of_Governors,_FRS_v._Investment_Co._Institute" title="Board of Governors, FRS v. Investment Co. Institute">Federal Reserve v. Investment Co. Institute</a></i> (1981)</li> <li><i><a href="/wiki/Bank_of_New_England" title="Bank of New England">Northeast Bancorp v. Federal Reserve</a></i> (1985)</li> <li><a href="/wiki/Greenspan_put" title="Greenspan put">Greenspan put</a> (1987)</li> <li><a href="/wiki/Expedited_Funds_Availability_Act" title="Expedited Funds Availability Act">Expedited Funds Availability Act</a> (1987)</li> <li><a href="/wiki/Financial_Institutions_Reform,_Recovery,_and_Enforcement_Act_of_1989" title="Financial Institutions Reform, Recovery, and Enforcement Act of 1989">FIRRE Act</a> (1989)</li> <li><a href="/wiki/Federal_Deposit_Insurance_Corporation_Improvement_Act_of_1991" title="Federal Deposit Insurance Corporation Improvement Act of 1991">FDIC Improvement Act</a> (1991)</li> <li><a href="/wiki/Gramm%E2%80%93Leach%E2%80%93Bliley_Act" title="Gramm–Leach–Bliley Act">Gramm–Leach–Bliley Act</a> (1999)</li> <li><a href="/wiki/Federal_Reserve_responses_to_the_subprime_crisis" title="Federal Reserve responses to the subprime crisis">Subprime mortgage crisis responses</a> (2007–2010)</li> <li><a href="/wiki/Emergency_Economic_Stabilization_Act_of_2008" title="Emergency Economic Stabilization Act of 2008">Emergency Economic Stabilization Act</a> (2008)</li> <li><a href="/wiki/Unfair_or_Deceptive_Acts_or_Practices" title="Unfair or Deceptive Acts or Practices">Unfair or Deceptive Acts or Practices</a> (2008)</li> <li><a href="/wiki/Commercial_Paper_Funding_Facility" title="Commercial Paper Funding Facility">Commercial Paper Funding Facility</a> (2008–2010)</li> <li><a href="/wiki/Primary_Dealer_Credit_Facility" title="Primary Dealer Credit Facility">Primary Dealer Credit Facility</a> (2008–2010)</li> <li><i><a href="/wiki/Bloomberg_L.P._v._Board_of_Governors_of_the_Federal_Reserve_System" title="Bloomberg L.P. v. Board of Governors of the Federal Reserve System">Bloomberg v. Federal Reserve</a></i> (2009)</li> <li><a href="/wiki/2009_Supervisory_Capital_Assessment_Program" title="2009 Supervisory Capital Assessment Program">2009 Supervisory Capital Assessment Program</a></li> <li><a href="/wiki/Term_Asset-Backed_Securities_Loan_Facility" title="Term Asset-Backed Securities Loan Facility">Term Asset-Backed Securities Loan Facility</a> (2009–2010)</li> <li><a href="/wiki/Public%E2%80%93Private_Investment_Program_for_Legacy_Assets" title="Public–Private Investment Program for Legacy Assets">Public–Private Investment Program for Legacy Assets</a> (2009–)</li> <li><a href="/wiki/Dodd%E2%80%93Frank_Wall_Street_Reform_and_Consumer_Protection_Act" title="Dodd–Frank Wall Street Reform and Consumer Protection Act">Dodd–Frank Act</a> (2010; <a href="/wiki/Durbin_amendment" title="Durbin amendment">Durbin amendment</a>)</li> <li><a href="/wiki/Commercial_Paper_Funding_Facility" title="Commercial Paper Funding Facility">Commercial Paper Funding Facility</a> (2020–2021)</li> <li><i><a href="/wiki/Corner_Post,_Inc._v._Board_of_Governors_of_the_Federal_Reserve_System" title="Corner Post, Inc. v. Board of Governors of the Federal Reserve System">Corner Post v. Federal Reserve</a></i> (2024)</li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Chair_of_the_Federal_Reserve" title="Chair of the Federal Reserve">Chairs</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Charles_Sumner_Hamlin" title="Charles Sumner Hamlin">Charles S. Hamlin</a> (1914–1916)</li> <li><a href="/wiki/William_P._G._Harding" title="William P. G. Harding">William P. G. Harding</a> (1916–1922)</li> <li><a href="/wiki/Daniel_Richard_Crissinger" title="Daniel Richard Crissinger">Daniel R. Crissinger</a> (1923–1927)</li> <li><a href="/wiki/Roy_A._Young" title="Roy A. Young">Roy A. Young</a> (1927–1930)</li> <li><a href="/wiki/Eugene_Meyer_(financier)" title="Eugene Meyer (financier)">Eugene Meyer</a> (1930–1933)</li> <li><a href="/wiki/Eugene_Robert_Black" title="Eugene Robert Black">Eugene R. Black</a> (1933–1934)</li> <li><a href="/wiki/Marriner_S._Eccles" title="Marriner S. Eccles">Marriner S. Eccles</a> (1934–1948)</li> <li><a href="/wiki/Thomas_B._McCabe" title="Thomas B. McCabe">Thomas B. McCabe</a> (1948–1951)</li> <li><a href="/wiki/William_McChesney_Martin" title="William McChesney Martin">William M. Martin</a> (1951–1970)</li> <li><a href="/wiki/Arthur_F._Burns" title="Arthur F. Burns">Arthur F. Burns</a> (1970–1978)</li> <li><a href="/wiki/G._William_Miller" title="G. William Miller">G. William Miller</a> (1978–1979)</li> <li><a href="/wiki/Paul_Volcker" title="Paul Volcker">Paul Volcker</a> (1979–1987)</li> <li><a href="/wiki/Alan_Greenspan" title="Alan Greenspan">Alan Greenspan</a> (1987–2006)</li> <li><a href="/wiki/Ben_Bernanke" title="Ben Bernanke">Ben Bernanke</a> (2006–2014)</li> <li><a href="/wiki/Janet_Yellen" title="Janet Yellen">Janet Yellen</a> (2014–2018)</li> <li><a href="/wiki/Jerome_Powell" title="Jerome Powell">Jerome Powell</a> (2018–present)</li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Federal_Reserve_Board_of_Governors" title="Federal Reserve Board of Governors">Current<br />governors</a></th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Jerome_Powell" title="Jerome Powell">Jerome Powell</a> (<a href="/wiki/Chair_of_the_Federal_Reserve" title="Chair of the Federal Reserve">Chair</a>)</li> <li><a href="/wiki/Philip_Jefferson" title="Philip Jefferson">Philip Jefferson</a> (<a href="/wiki/Vice_Chair_of_the_Federal_Reserve" title="Vice Chair of the Federal Reserve">Vice Chair</a>)</li> <li><a href="/wiki/Michael_Barr_(Treasury_official)" class="mw-redirect" title="Michael Barr (Treasury official)">Michael Barr</a> (<a href="/wiki/Vice_Chair_of_the_Federal_Reserve" title="Vice Chair of the Federal Reserve">Vice Chair for Supervision</a>)</li> <li><a href="/wiki/Michelle_Bowman" title="Michelle Bowman">Michelle Bowman</a></li> <li><a href="/wiki/Christopher_Waller" title="Christopher Waller">Christopher Waller</a></li> <li><a href="/wiki/Lisa_D._Cook" title="Lisa D. Cook">Lisa D. Cook</a></li> <li><a href="/wiki/Adriana_Kugler" title="Adriana Kugler">Adriana Kugler</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Current presidents<br />(by district)</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Susan_M._Collins_(economist)" title="Susan M. Collins (economist)">Susan Collins</a> (<a href="/wiki/Federal_Reserve_Bank_of_Boston" title="Federal Reserve Bank of Boston">Boston</a>)</li> <li><a href="/wiki/John_C._Williams_(economist)" title="John C. Williams (economist)">John Williams</a> (<a href="/wiki/Federal_Reserve_Bank_of_New_York" title="Federal Reserve Bank of New York">New York</a>)</li> <li><a href="/wiki/Patrick_T._Harker" title="Patrick T. Harker">Patrick T. Harker</a> (<a href="/wiki/Federal_Reserve_Bank_of_Philadelphia" title="Federal Reserve Bank of Philadelphia">Philadelphia</a>)</li> <li><a href="/wiki/Beth_M._Hammack" title="Beth M. Hammack">Beth M. Hammack</a> (<a href="/wiki/Federal_Reserve_Bank_of_Cleveland" title="Federal Reserve Bank of Cleveland">Cleveland</a>)</li> <li><a href="/wiki/Thomas_Barkin" title="Thomas Barkin">Thomas Barkin</a> (<a href="/wiki/Federal_Reserve_Bank_of_Richmond" title="Federal Reserve Bank of Richmond">Richmond</a>)</li> <li><a href="/wiki/Raphael_Bostic" title="Raphael Bostic">Raphael Bostic</a> (<a href="/wiki/Federal_Reserve_Bank_of_Atlanta" title="Federal Reserve Bank of Atlanta">Atlanta</a>)</li> <li><a href="/wiki/Austan_Goolsbee" title="Austan Goolsbee">Austan Goolsbee</a> (<a href="/wiki/Federal_Reserve_Bank_of_Chicago" title="Federal Reserve Bank of Chicago">Chicago</a>)</li> <li><a href="/wiki/Alberto_Musalem" title="Alberto Musalem">Alberto Musalem</a> (<a href="/wiki/Federal_Reserve_Bank_of_St._Louis" title="Federal Reserve Bank of St. Louis">St. Louis</a>)</li> <li><a href="/wiki/Neel_Kashkari" title="Neel Kashkari">Neel Kashkari</a> (<a href="/wiki/Federal_Reserve_Bank_of_Minneapolis" title="Federal Reserve Bank of Minneapolis">Minneapolis</a>)</li> <li><a href="/wiki/Jeffrey_Schmid" title="Jeffrey Schmid">Jeff Schmid</a> (<a href="/wiki/Federal_Reserve_Bank_of_Kansas_City" title="Federal Reserve Bank of Kansas City">Kansas City</a>)</li> <li><a href="/wiki/Lorie_K._Logan" title="Lorie K. Logan">Lorie Logan</a> (<a href="/wiki/Federal_Reserve_Bank_of_Dallas" title="Federal Reserve Bank of Dallas">Dallas</a>)</li> <li><a href="/wiki/Mary_C._Daly" title="Mary C. Daly">Mary C. Daly</a> (<a href="/wiki/Federal_Reserve_Bank_of_San_Francisco" title="Federal Reserve Bank of San Francisco">San Francisco</a>)</li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Related</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Central_bank" title="Central bank">Central bank</a></li> <li><a href="/wiki/Criticism_of_the_Federal_Reserve" title="Criticism of the Federal Reserve">Criticism of the Federal Reserve</a></li> <li><a href="/wiki/Fed_model" title="Fed model">Fed model</a></li> <li><a href="/wiki/Fedspeak" title="Fedspeak">Fedspeak</a></li> <li><a href="/wiki/Fed_put" class="mw-redirect" title="Fed put">Fed put</a></li> <li><a href="/wiki/Lender_of_last_resort" title="Lender of last resort">Lender of last resort</a></li> <li><a href="/wiki/Monetary_policy_of_the_United_States" title="Monetary policy of the United States">Monetary policy of the United States</a> <ul><li><a href="/wiki/History_of_monetary_policy_in_the_United_States" title="History of monetary policy in the United States">History</a></li></ul></li> <li><a href="/wiki/Personal_consumption_expenditures_price_index" title="Personal consumption expenditures price index">Personal consumption expenditures price index</a></li> <li><a href="/wiki/Sahm_rule" title="Sahm rule">Sahm rule</a></li></ul> </div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235"></div><div role="navigation" class="navbox" aria-labelledby="Gerald_Ford" style="padding:3px"><table class="nowraplinks hlist mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="3"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Gerald_Ford" title="Template:Gerald Ford"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Gerald_Ford" title="Template talk:Gerald Ford"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Gerald_Ford" title="Special:EditPage/Template:Gerald Ford"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Gerald_Ford" style="font-size:114%;margin:0 4em"><a href="/wiki/Gerald_Ford" title="Gerald Ford">Gerald Ford</a></div></th></tr><tr><td class="navbox-abovebelow" colspan="3"><div> <ul><li><span class="nowrap"><a href="/wiki/List_of_presidents_of_the_United_States" title="List of presidents of the United States">38th</a> <a href="/wiki/President_of_the_United_States" title="President of the United States">President of the United States</a> (1974–1977)</span></li> <li><span class="nowrap"><a href="/wiki/List_of_vice_presidents_of_the_United_States" title="List of vice presidents of the United States">40th</a> <a href="/wiki/Vice_President_of_the_United_States" title="Vice President of the United States">Vice President of the United States</a> (1973–1974)</span></li> <li><span class="nowrap"><a href="/wiki/List_of_United_States_representatives_from_Michigan" title="List of United States representatives from Michigan">U.S. Representative</a> for <a href="/wiki/Michigan%27s_5th_congressional_district" title="Michigan's 5th congressional district">MI–5</a> (1949–1973)</span></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Presidency_of_Gerald_Ford" title="Presidency of Gerald Ford">Presidency</a><br />(<a href="/wiki/Timeline_of_the_Gerald_Ford_presidency" title="Timeline of the Gerald Ford presidency">timeline</a>)</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Inauguration_of_Gerald_Ford" title="Inauguration of Gerald Ford">Inauguration</a></li> <li><a href="/wiki/Timeline_of_the_presidency_of_Gerald_Ford" class="mw-redirect" title="Timeline of the presidency of Gerald Ford">Timeline</a></li> <li><a href="/wiki/Foreign_policy_of_the_Gerald_Ford_administration" title="Foreign policy of the Gerald Ford administration">Foreign policy</a></li> <li><a href="/wiki/Federal-Aid_Highway_Amendments_of_1974" title="Federal-Aid Highway Amendments of 1974">Federal-Aid Highway Amendments of 1974</a></li> <li><a href="/wiki/Resource_Conservation_and_Recovery_Act" title="Resource Conservation and Recovery Act">Resource Conservation and Recovery Act</a></li> <li><a href="/wiki/Safe_Drinking_Water_Act" title="Safe Drinking Water Act">Safe Drinking Water Act</a></li> <li><a href="/wiki/Toxic_Substances_Control_Act_of_1976" title="Toxic Substances Control Act of 1976">Toxic Substances Control Act of 1976</a></li> <li><a href="/wiki/Equal_Credit_Opportunity_Act" title="Equal Credit Opportunity Act">Equal Credit Opportunity Act</a></li> <li><a href="/wiki/Employee_Retirement_Income_Security_Act_of_1974" title="Employee Retirement Income Security Act of 1974">Employee Retirement Income Security Act of 1974</a></li> <li><a class="mw-selflink selflink">Home Mortgage Disclosure Act</a></li> <li><a href="/wiki/Education_for_All_Handicapped_Children_Act" title="Education for All Handicapped Children Act">Education for All Handicapped Children Act</a></li> <li><a href="/wiki/Vladivostok_Summit_Meeting_on_Arms_Control" title="Vladivostok Summit Meeting on Arms Control">Vladivostok Summit Meeting on Arms Control</a></li> <li><a href="/wiki/Helsinki_Accords#Ford_Administration" title="Helsinki Accords">Helsinki Accords</a></li> <li><a href="/wiki/National_Security_Study_Memorandum_200" title="National Security Study Memorandum 200">National Security Study Memorandum 200</a></li> <li><a href="/wiki/Pardon_of_Richard_Nixon" title="Pardon of Richard Nixon">Nixon pardon</a></li> <li><a href="/wiki/Whip_inflation_now" class="mw-redirect" title="Whip inflation now">Whip inflation now</a></li> <li><a href="/wiki/Cannabis_policy_of_the_Gerald_Ford_administration" title="Cannabis policy of the Gerald Ford administration">Cannabis policy</a></li> <li><a href="/wiki/Wilson_desk" title="Wilson desk">Wilson desk</a></li> <li>Assassination attempts <ul><li><a href="/wiki/Attempted_assassination_of_Gerald_Ford_in_Sacramento" title="Attempted assassination of Gerald Ford in Sacramento">Sacramento</a></li> <li><a href="/wiki/Attempted_assassination_of_Gerald_Ford_in_San_Francisco" title="Attempted assassination of Gerald Ford in San Francisco">San Francisco</a></li></ul></li> <li><a href="/wiki/State_of_the_Union" title="State of the Union">State of the Union Addresses</a> <ul><li><a href="/wiki/1975_State_of_the_Union_Address" title="1975 State of the Union Address">1975</a></li> <li><a href="/wiki/1976_State_of_the_Union_Address" title="1976 State of the Union Address">1976</a></li> <li><a href="/wiki/1977_State_of_the_Union_Address" title="1977 State of the Union Address">1977</a></li></ul></li> <li><a href="/wiki/List_of_federal_judges_appointed_by_Gerald_Ford" title="List of federal judges appointed by Gerald Ford">Judicial appointments</a> <ul><li><a href="/wiki/Gerald_Ford_Supreme_Court_candidates" title="Gerald Ford Supreme Court candidates">Supreme Court candidates</a></li> <li><a href="/wiki/Gerald_Ford_judicial_appointment_controversies" title="Gerald Ford judicial appointment controversies">controversies</a></li></ul></li> <li><a href="https://en.wikisource.org/wiki/Author:Gerald_Rudolph_Ford/Executive_orders" class="extiw" title="wikisource:Author:Gerald Rudolph Ford/Executive orders">Executive Orders</a></li> <li><a href="https://en.wikisource.org/wiki/Author:Gerald_Rudolph_Ford/Presidential_Proclamations" class="extiw" title="wikisource:Author:Gerald Rudolph Ford/Presidential Proclamations">Presidential Proclamations</a></li></ul> </div></td><td class="noviewer navbox-image" rowspan="6" style="width:1px;padding:0 0 0 2px"><div><span class="mw-image-border" typeof="mw:File"><a href="/wiki/File:Gerald_Ford_presidential_portrait_(cropped).jpg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/3/36/Gerald_Ford_presidential_portrait_%28cropped%29.jpg/100px-Gerald_Ford_presidential_portrait_%28cropped%29.jpg" decoding="async" width="100" height="125" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/3/36/Gerald_Ford_presidential_portrait_%28cropped%29.jpg/150px-Gerald_Ford_presidential_portrait_%28cropped%29.jpg 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/3/36/Gerald_Ford_presidential_portrait_%28cropped%29.jpg/200px-Gerald_Ford_presidential_portrait_%28cropped%29.jpg 2x" data-file-width="2200" data-file-height="2741" /></a></span><br /><br /><span typeof="mw:File"><a href="/wiki/File:Seal_of_the_President_of_the_United_States.svg" class="mw-file-description"><img src="//upload.wikimedia.org/wikipedia/commons/thumb/3/36/Seal_of_the_President_of_the_United_States.svg/100px-Seal_of_the_President_of_the_United_States.svg.png" decoding="async" width="100" height="100" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/commons/thumb/3/36/Seal_of_the_President_of_the_United_States.svg/150px-Seal_of_the_President_of_the_United_States.svg.png 1.5x, //upload.wikimedia.org/wikipedia/commons/thumb/3/36/Seal_of_the_President_of_the_United_States.svg/200px-Seal_of_the_President_of_the_United_States.svg.png 2x" data-file-width="2424" data-file-height="2425" /></a></span></div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Life</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Gerald_R._Ford_Birthsite_and_Gardens" title="Gerald R. Ford Birthsite and Gardens">Gerald R. Ford Birthsite and Gardens</a></li> <li><a href="/wiki/President_Gerald_R._Ford_Jr._Boyhood_Home" title="President Gerald R. Ford Jr. Boyhood Home">President Gerald R. Ford Jr. Boyhood Home</a></li> <li><a href="/wiki/Gerald_R._Ford_Jr._House" title="Gerald R. Ford Jr. House">Gerald R. Ford Jr. House</a></li> <li><a href="/wiki/Warren_Commission" title="Warren Commission">Warren Commission</a></li> <li><a href="/wiki/1973_United_States_vice_presidential_confirmation" title="1973 United States vice presidential confirmation">Confirmation as Vice President</a></li> <li><a href="/wiki/AEI_World_Forum" title="AEI World Forum">AEI World Forum</a></li> <li><a href="/wiki/Death_and_state_funeral_of_Gerald_Ford" title="Death and state funeral of Gerald Ford">Death and state funeral</a></li> <li><a href="/wiki/Gerald_R._Ford_Presidential_Museum" title="Gerald R. Ford Presidential Museum">Gerald R. Ford Presidential Museum</a></li> <li><a href="/wiki/Gerald_R._Ford_Presidential_Library" title="Gerald R. Ford Presidential Library">Gerald R. Ford Presidential Library</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><a href="/wiki/Electoral_history_of_Gerald_Ford" title="Electoral history of Gerald Ford">Elections</a></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li>United States House of Representatives elections <ul><li><a href="/wiki/1948_United_States_House_of_Representatives_elections" title="1948 United States House of Representatives elections">1948</a></li> <li><a href="/wiki/1950_United_States_House_of_Representatives_elections" title="1950 United States House of Representatives elections">1950</a></li> <li><a href="/wiki/1952_United_States_House_of_Representatives_elections" title="1952 United States House of Representatives elections">1952</a></li> <li><a href="/wiki/1954_United_States_House_of_Representatives_elections" title="1954 United States House of Representatives elections">1954</a></li> <li><a href="/wiki/1956_United_States_House_of_Representatives_elections" title="1956 United States House of Representatives elections">1956</a></li> <li><a href="/wiki/1958_United_States_House_of_Representatives_elections" title="1958 United States House of Representatives elections">1958</a></li> <li><a href="/wiki/1960_United_States_House_of_Representatives_elections" title="1960 United States House of Representatives elections">1960</a></li> <li><a href="/wiki/1962_United_States_House_of_Representatives_elections" title="1962 United States House of Representatives elections">1962</a></li> <li><a href="/wiki/1964_United_States_House_of_Representatives_elections" title="1964 United States House of Representatives elections">1964</a></li> <li><a href="/wiki/1966_United_States_House_of_Representatives_elections" title="1966 United States House of Representatives elections">1966</a></li> <li><a href="/wiki/1968_United_States_House_of_Representatives_elections" title="1968 United States House of Representatives elections">1968</a></li> <li><a href="/wiki/1970_United_States_House_of_Representatives_elections" title="1970 United States House of Representatives elections">1970</a></li> <li><a href="/wiki/1972_United_States_House_of_Representatives_elections" title="1972 United States House of Representatives elections">1972</a></li></ul></li> <li><a href="/wiki/1976_United_States_presidential_election" title="1976 United States presidential election">1976 presidential election</a> <ul><li><a href="/wiki/Presidential_transition_of_Jimmy_Carter" title="Presidential transition of Jimmy Carter">Carter transition</a></li></ul></li> <li>Republican Party presidential primaries <ul><li><a href="/wiki/1976_Republican_Party_presidential_primaries" title="1976 Republican Party presidential primaries">1976</a></li> <li><a href="/wiki/1980_Republican_Party_presidential_primaries" title="1980 Republican Party presidential primaries">1980</a></li></ul></li> <li>1976 Republican National Convention <ul><li><a href="/wiki/1976_Republican_National_Convention" title="1976 Republican National Convention">1976</a></li> <li><a href="/wiki/1980_Republican_National_Convention" title="1980 Republican National Convention">1980</a></li></ul></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Cultural<br />depictions</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><i><a href="/wiki/The_Pink_Panther_Strikes_Again" title="The Pink Panther Strikes Again">The Pink Panther Strikes Again</a></i> (1976)</li> <li><i><a href="/wiki/Superman_vs._Muhammad_Ali" title="Superman vs. Muhammad Ali">Superman vs. Muhammad Ali</a></i> (1978)</li> <li><i><a href="/wiki/Dynasty_(1981_TV_series)" title="Dynasty (1981 TV series)">Dynasty</a></i> (1981)</li> <li><i><a href="/wiki/The_Betty_Ford_Story" title="The Betty Ford Story">The Betty Ford Story</a></i> (1987)</li> <li><i><a href="/wiki/Assassins_(musical)" title="Assassins (musical)">Assassins</a></i> (1990)</li> <li>"<a href="/wiki/Two_Bad_Neighbors" title="Two Bad Neighbors">Two Bad Neighbors</a>" (1996)</li> <li><i>Saturday Night Live</i> parodies <ul><li><i><a href="/wiki/The_X-Presidents" title="The X-Presidents">The X-Presidents</a></i> (1997)</li> <li><i><a href="/wiki/Presidential_Reunion" title="Presidential Reunion">Presidential Reunion</a></i> (2010)</li></ul></li> <li><i><a href="/wiki/The_Political_Machine" title="The Political Machine">The Political Machine</a></i> (2004)</li> <li><i><a href="/wiki/The_Butler" title="The Butler">The Butler</a></i> (2013)</li> <li><i><a href="/wiki/The_First_Lady_(American_TV_series)" title="The First Lady (American TV series)">The First Lady</a></i> (2022)</li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Legacy</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Gerald_R._Ford_International_Airport" title="Gerald R. Ford International Airport">Gerald R. Ford International Airport</a></li> <li><a href="/wiki/NCAA_Gerald_R._Ford_Award" title="NCAA Gerald R. Ford Award">Gerald R. Ford Award</a></li> <li><a href="/wiki/Ford_School_of_Public_Policy" title="Ford School of Public Policy">Ford School of Public Policy</a></li> <li><a href="/wiki/Ford_House_Office_Building" title="Ford House Office Building">Ford House Office Building</a></li> <li><a href="/wiki/USS_Gerald_R._Ford" title="USS Gerald R. Ford">USS <i>Gerald R. Ford</i> (CVN-78)</a></li> <li><a href="/wiki/Gerald_R._Ford_Freeway" title="Gerald R. Ford Freeway">Gerald R. Ford Freeway</a></li> <li><a href="/wiki/Presidents_of_the_United_States_on_U.S._postage_stamps#Gerald_Ford" title="Presidents of the United States on U.S. postage stamps">U.S. Postage stamps</a></li> <li><a href="/wiki/Statue_of_Gerald_Ford" title="Statue of Gerald Ford">Statue</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Family</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Charles_Henry_King" title="Charles Henry King">Charles Henry King</a> (grandfather)</li> <li><a href="/wiki/Leslie_Lynch_King_Sr." title="Leslie Lynch King Sr.">Leslie Lynch King Sr.</a> (father)</li> <li><a href="/wiki/Dorothy_Ayer_Gardner_Ford" title="Dorothy Ayer Gardner Ford">Dorothy Gardner Ford</a> (mother)</li> <li><a href="/wiki/Gerald_Rudolff_Ford" title="Gerald Rudolff Ford">Gerald Rudolff Ford</a> (stepfather)</li> <li><a href="/wiki/Thomas_Gardner_Ford" title="Thomas Gardner Ford">Thomas Gardner Ford</a> (half-brother)</li> <li><a href="/wiki/Betty_Ford" title="Betty Ford">Betty Ford</a> (wife)</li> <li><a href="/wiki/Michael_Gerald_Ford" class="mw-redirect" title="Michael Gerald Ford">Michael Gerald Ford</a> (son)</li> <li><a href="/wiki/John_Gardner_Ford" class="mw-redirect" title="John Gardner Ford">John Gardner Ford</a> (son)</li> <li><a href="/wiki/Steven_Ford" title="Steven Ford">Steven Meigs Ford</a> (son)</li> <li><a href="/wiki/Susan_Ford_Bales" title="Susan Ford Bales">Susan Ford Bales</a> (daughter)</li> <li><a href="/wiki/Liberty_(dog)" title="Liberty (dog)">Liberty</a> (family dog)</li></ul> </div></td></tr><tr><td class="navbox-abovebelow hlist" colspan="3"><div> <ul><li><b><a href="/wiki/Richard_Nixon" title="Richard Nixon">← Richard Nixon</a></b></li> <li><b><a href="/wiki/Jimmy_Carter" title="Jimmy Carter">Jimmy Carter →</a></b></li></ul> <ul><li><a href="/wiki/Spiro_Agnew" title="Spiro Agnew">← Spiro Agnew</a></li> <li><a href="/wiki/Nelson_Rockefeller" title="Nelson Rockefeller">Nelson Rockefeller →</a></li></ul> <ul><li><b><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" data-file-width="180" data-file-height="185" /></span></span> <a href="/wiki/Category:Gerald_Ford" title="Category:Gerald Ford">Category</a></b></li></ul> </div></td></tr></tbody></table></div> <div class="navbox-styles"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1236075235"></div><div role="navigation" class="navbox" aria-labelledby="Bank_regulation_in_the_United_States" style="padding:3px"><table class="nowraplinks hlist mw-collapsible autocollapse navbox-inner" style="border-spacing:0;background:transparent;color:inherit"><tbody><tr><th scope="col" class="navbox-title" colspan="2"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1129693374"><link rel="mw-deduplicated-inline-style" href="mw-data:TemplateStyles:r1239400231"><div class="navbar plainlinks hlist navbar-mini"><ul><li class="nv-view"><a href="/wiki/Template:Bank_regulation_in_the_United_States" title="Template:Bank regulation in the United States"><abbr title="View this template">v</abbr></a></li><li class="nv-talk"><a href="/wiki/Template_talk:Bank_regulation_in_the_United_States" title="Template talk:Bank regulation in the United States"><abbr title="Discuss this template">t</abbr></a></li><li class="nv-edit"><a href="/wiki/Special:EditPage/Template:Bank_regulation_in_the_United_States" title="Special:EditPage/Template:Bank regulation in the United States"><abbr title="Edit this template">e</abbr></a></li></ul></div><div id="Bank_regulation_in_the_United_States" style="font-size:114%;margin:0 4em"><a href="/wiki/Bank_regulation_in_the_United_States" title="Bank regulation in the United States">Bank regulation in the United States</a></div></th></tr><tr><th scope="row" class="navbox-group" style="width:1%">Federal authorities</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Consumer_Financial_Protection_Bureau" title="Consumer Financial Protection Bureau">Consumer Financial Protection Bureau</a></li> <li><a href="/wiki/Farm_Credit_Administration" title="Farm Credit Administration">Farm Credit Administration</a></li> <li><a href="/wiki/Federal_Deposit_Insurance_Corporation" title="Federal Deposit Insurance Corporation">Federal Deposit Insurance Corporation</a></li> <li><a href="/wiki/Federal_Financial_Institutions_Examination_Council" title="Federal Financial Institutions Examination Council">Federal Financial Institutions Examination Council</a></li> <li><a href="/wiki/Federal_Housing_Finance_Agency" title="Federal Housing Finance Agency">Federal Housing Finance Agency</a></li> <li><a href="/wiki/Federal_Reserve_Board_of_Governors" title="Federal Reserve Board of Governors">Federal Reserve Board of Governors</a></li> <li><a href="/wiki/Financial_Stability_Oversight_Council" title="Financial Stability Oversight Council">Financial Stability Oversight Council</a></li> <li><a href="/wiki/National_Credit_Union_Administration" title="National Credit Union Administration">National Credit Union Administration</a></li> <li><a href="/wiki/Office_of_the_Comptroller_of_the_Currency" title="Office of the Comptroller of the Currency">Office of the Comptroller of the Currency</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Major federal <br />legislation</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Independent_Treasury" title="Independent Treasury">Independent Treasury Act</a></li> <li><a href="/wiki/National_Bank_Act" title="National Bank Act">National Bank Act</a></li> <li><a href="/wiki/Federal_Reserve_Act" title="Federal Reserve Act">Federal Reserve Act</a></li> <li><a href="/wiki/McFadden_Act" title="McFadden Act">McFadden Act</a></li> <li><a href="/wiki/1933_Banking_Act" title="1933 Banking Act">1933 Banking Act</a></li> <li><a href="/wiki/Glass%E2%80%93Steagall_legislation" title="Glass–Steagall legislation">Glass–Steagall Act</a></li> <li><a href="/wiki/Federal_Credit_Union_Act" title="Federal Credit Union Act">Federal Credit Union Act</a></li> <li><a href="/wiki/Bank_Holding_Company_Act" title="Bank Holding Company Act">Bank Holding Company Act</a></li> <li>Interest Rate Control Act of 1966</li> <li><a href="/wiki/Truth_in_Lending_Act" title="Truth in Lending Act">Truth in Lending Act</a></li> <li><a href="/wiki/Bank_Secrecy_Act" title="Bank Secrecy Act">Bank Secrecy Act</a></li> <li><a href="/wiki/Fair_Credit_Reporting_Act" title="Fair Credit Reporting Act">Fair Credit Reporting Act</a></li> <li><a class="mw-selflink selflink">Home Mortgage Disclosure Act</a></li> <li><a href="/wiki/Community_Reinvestment_Act" title="Community Reinvestment Act">Community Reinvestment Act</a></li> <li><a href="/wiki/Electronic_Fund_Transfer_Act" title="Electronic Fund Transfer Act">Electronic Fund Transfer Act</a></li> <li><a href="/wiki/Financial_Institutions_Regulatory_and_Interest_Rate_Control_Act_of_1978" title="Financial Institutions Regulatory and Interest Rate Control Act of 1978">Financial Institutions Regulatory and Interest Rate Control Act of 1978</a></li> <li><a href="/wiki/Depository_Institutions_Deregulation_and_Monetary_Control_Act" title="Depository Institutions Deregulation and Monetary Control Act">Monetary Control Act</a></li> <li><a href="/wiki/Garn%E2%80%93St._Germain_Depository_Institutions_Act" title="Garn–St. Germain Depository Institutions Act">Depository Institutions Act</a></li> <li>Competitive Equality Banking Act of 1987</li> <li><a href="/wiki/Financial_Institutions_Reform,_Recovery,_and_Enforcement_Act_of_1989" title="Financial Institutions Reform, Recovery, and Enforcement Act of 1989">FIRREA</a></li> <li><a href="/wiki/Federal_Deposit_Insurance_Corporation_Improvement_Act_of_1991" title="Federal Deposit Insurance Corporation Improvement Act of 1991">FDICIA</a></li> <li><a href="/wiki/Truth_in_Savings_Act" title="Truth in Savings Act">Truth in Savings Act</a></li> <li><a href="/wiki/Riegle-Neal_Interstate_Banking_and_Branching_Efficiency_Act_of_1994" class="mw-redirect" title="Riegle-Neal Interstate Banking and Branching Efficiency Act of 1994">Riegle-Neal IBBEA</a></li> <li><a href="/wiki/Gramm%E2%80%93Leach%E2%80%93Bliley_Act" title="Gramm–Leach–Bliley Act">Gramm–Leach–Bliley Act</a></li> <li><a href="/wiki/Fair_and_Accurate_Credit_Transactions_Act" title="Fair and Accurate Credit Transactions Act">Fair and Accurate Credit Transactions Act</a></li> <li><a href="/wiki/Emergency_Economic_Stabilization_Act_of_2008" title="Emergency Economic Stabilization Act of 2008">Emergency Economic Stabilization Act</a></li> <li><a href="/wiki/Credit_CARD_Act_of_2009" title="Credit CARD Act of 2009">Credit CARD Act</a></li> <li><a href="/wiki/Dodd%E2%80%93Frank_Wall_Street_Reform_and_Consumer_Protection_Act" title="Dodd–Frank Wall Street Reform and Consumer Protection Act">Dodd–Frank</a></li> <li><a href="/wiki/Economic_Growth,_Regulatory_Relief,_and_Consumer_Protection_Act" title="Economic Growth, Regulatory Relief, and Consumer Protection Act">EGRRCPA</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%"><div style="display: inline-block; line-height: 1.2em; padding: .1em 0;">Federal Reserve <br />Board regulations</div></th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li>Extensions of Credit by Federal Reserve Banks (Reg A)</li> <li><a href="/wiki/Equal_Credit_Opportunity_Act" title="Equal Credit Opportunity Act">Equal Credit Opportunity (Reg B)</a></li> <li><a class="mw-selflink selflink">Home Mortgage Disclosure (Reg C)</a></li> <li><a href="/wiki/Regulation_D_(FRB)" title="Regulation D (FRB)">Reserve Requirements for Depository Institutions (Reg D)</a></li> <li><a href="/wiki/Electronic_Fund_Transfer_Act" title="Electronic Fund Transfer Act">Electronic Fund Transfer (Reg E)</a></li> <li>Limitations on Interbank Liabilities (Reg F)</li> <li>International Banking Operations (Reg K)</li> <li>Consumer Leasing (Reg M)</li> <li>Loans to Insiders (Reg O)</li> <li>Privacy of Consumer Financial Information (Reg P)</li> <li><a href="/wiki/Regulation_Q" title="Regulation Q">Prohibition Against the Paying of Interest on Demand Deposits (Reg Q)</a></li> <li>Credit by Brokers and Dealers (Reg T)</li> <li><span class="wrap">Credit by Banks and Persons Other Than Brokers or Dealers for the Purpose of Purchasing or Carrying Margin Stock (Reg U)</span></li> <li>Transactions Between Member Banks and Their Affiliates (Reg W)</li> <li>Borrowers of Securities Credit (Reg X)</li> <li><a href="/wiki/Truth_in_Lending_Act" title="Truth in Lending Act">Truth in Lending (Reg Z)</a></li> <li><a href="/wiki/Unfair_or_Deceptive_Acts_or_Practices" title="Unfair or Deceptive Acts or Practices">Unfair or Deceptive Acts or Practices (Reg AA)</a></li> <li><a href="/wiki/Community_Reinvestment_Act" title="Community Reinvestment Act">Community Reinvestment (Reg BB)</a></li> <li><a href="/wiki/Expedited_Funds_Availability_Act" title="Expedited Funds Availability Act">Availability of Funds and Collection of Checks (Reg CC)</a></li> <li><a href="/wiki/Truth_in_Savings_Act" title="Truth in Savings Act">Truth in Savings (Reg DD)</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Types of bank charter</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Credit_unions_in_the_United_States" title="Credit unions in the United States">Credit union</a></li> <li><a href="/wiki/Federal_savings_association" title="Federal savings association">Federal savings association</a></li> <li><a href="/wiki/National_bank_(United_States)" title="National bank (United States)">National bank</a></li> <li><a href="/wiki/State_bank_(United_States)" title="State bank (United States)">State bank</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">State authorities</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/California_Department_of_Financial_Protection_and_Innovation" title="California Department of Financial Protection and Innovation">California</a></li> <li><a href="/wiki/Colorado_Department_of_Regulatory_Agencies" title="Colorado Department of Regulatory Agencies">Colorado</a></li> <li><a href="/wiki/Florida_Department_of_Financial_Services" title="Florida Department of Financial Services">Florida</a></li> <li><a href="/wiki/Illinois_Department_of_Financial_and_Professional_Regulation" title="Illinois Department of Financial and Professional Regulation">Illinois</a></li> <li><a href="/wiki/Maryland_Department_of_Labor" title="Maryland Department of Labor">Maryland</a></li> <li><a href="/wiki/Michigan_Department_of_Insurance_and_Financial_Services" title="Michigan Department of Insurance and Financial Services">Michigan</a></li> <li><a href="/wiki/New_Hampshire_Banking_Department" title="New Hampshire Banking Department">New Hampshire</a></li> <li><a href="/wiki/New_Jersey_Department_of_Banking_and_Insurance" title="New Jersey Department of Banking and Insurance">New Jersey</a></li> <li><a href="/wiki/New_York_State_Department_of_Financial_Services" title="New York State Department of Financial Services">New York</a></li> <li><a href="/wiki/Ohio_Department_of_Commerce" title="Ohio Department of Commerce">Ohio</a></li> <li><a href="/wiki/Oklahoma_State_Banking_Department" title="Oklahoma State Banking Department">Oklahoma</a></li> <li><a href="/wiki/Oregon_Department_of_Consumer_and_Business_Services" title="Oregon Department of Consumer and Business Services">Oregon</a></li> <li><a href="/wiki/Pennsylvania_Department_of_Banking" title="Pennsylvania Department of Banking">Pennsylvania</a></li> <li><a href="/wiki/Tennessee_Department_of_Financial_Institutions" title="Tennessee Department of Financial Institutions">Tennessee</a></li> <li><a href="/wiki/State_Corporation_Commission_(Virginia)" title="State Corporation Commission (Virginia)">Virginia</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Terms</th><td class="navbox-list-with-group navbox-list navbox-even" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Call_report" title="Call report">Call report</a></li> <li><a href="/wiki/CAEL_Rating" title="CAEL Rating">CAEL Rating</a></li> <li><a href="/wiki/CAMELS_rating_system" title="CAMELS rating system">CAMELS rating system</a></li> <li><a href="/wiki/Thrift_Financial_Report" title="Thrift Financial Report">Thrift Financial Report</a></li></ul> </div></td></tr><tr><th scope="row" class="navbox-group" style="width:1%">Other topics</th><td class="navbox-list-with-group navbox-list navbox-odd" style="width:100%;padding:0"><div style="padding:0 0.25em"> <ul><li><a href="/wiki/Banking_in_the_United_States" title="Banking in the United States">Banking in the United States</a></li> <li><a href="/wiki/Fair_debt_collection" title="Fair debt collection">Fair debt collection</a></li> <li><a href="/wiki/History_of_central_banking_in_the_United_States" title="History of central banking in the United States">History of central banking in the United States</a></li> <li><a href="/wiki/Wildcat_banking" title="Wildcat banking">Wildcat banking</a></li></ul> </div></td></tr><tr><td class="navbox-abovebelow" colspan="2" style="font-weight:bold;"><div> <ul><li><span class="noviewer" typeof="mw:File"><span title="Category"><img alt="" src="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/16px-Symbol_category_class.svg.png" decoding="async" width="16" height="16" class="mw-file-element" srcset="//upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/23px-Symbol_category_class.svg.png 1.5x, //upload.wikimedia.org/wikipedia/en/thumb/9/96/Symbol_category_class.svg/31px-Symbol_category_class.svg.png 2x" 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