CFPBFinal RuleJanuary 7, 2026

Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold

Finance & BankingHousing

Summary

This regulation updates the rules for which banks and lenders must report detailed information about their mortgage lending practices. By adjusting the asset size threshold, smaller financial institutions may now be required to disclose more data about who they lend to and on what terms, making the mortgage lending market more transparent.

Key Points

1The CFPB changed the asset size threshold that determines which lenders must report mortgage lending data, likely affecting some smaller banks and credit unions that were previously exempt
2Banks and lenders must now disclose information about mortgages they issue, including applicant details and loan terms, which helps regulators and the public monitor fair lending practices
3The regulation aims to increase transparency in the mortgage market so regulators can identify potential discrimination or unfair lending patterns
4Lenders affected by this change will need to implement systems to collect and report the required mortgage data to federal regulators
5Consumers may benefit from better oversight of mortgage lending practices, though most individual borrowers won't directly interact with these reporting requirements

Key Dates

Published

January 7, 2026

Read on Federal Register View Docket

This summary is for informational purposes only. It may not capture all nuances of the regulation. Always refer to the official text for authoritative information.