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The CFPB published a new chart this week – Reportable HMDA Data: A regulatory and reporting overview reference chart – that is intended to be used as a reference tool for those data points required to be collected, recorded and reported under the Home Mortgage Disclosure Act (HMDA).

The chart combines a reportable data chart summary, the filing instructions from the 2018 filing instructions guide and when to report "not applicable." The reference tool accounts for the final rules issued in October 2015 and this past August.

In general, the CFPB's final HMDA rule changes are set to take effect Jan. 1, with most data submissions under the new provisions due in 2019. The rule changes affect home equity lines of credit, establish transactional thresholds for coverage and expand the number of HMDA data points to be collected from credit unions.

The bureau also updated the chart on the collection and reporting of HMDA information about ethnicity and race and published a revised filing instructions guide for data collected in 2018 that reflects updates to the automated underwriting system, among other clarifications. The CFPB last week updated its HMDA small-entity compliance guide.

NAFCU has a host of HMDA compliance resources available to association members, including charts and guides, articles, webcasts and blog posts.