HMDA

Racial and ethnic discrimination in mortgage lending may be misrepresented by "flawed" denial metrics that suggest a larger gap between the denial rates of racial groups than what actually exists, according to the Urban Institute.

A new law exempts small lenders from expanded mortgage data reporting, but regulators are signaling that banks no longer have to collect the data either.

Debates on the issue often focus on how lending decisions affect certain demographic groups, but those analyses tend to ignore an important factor: default rates.

The federal bank regulators are considering roughly a dozen new rulemakings in response to the bill rolling back certain sections of Dodd-Frank.

The agency will advise lenders on how to obtain partial exemptions from Home Mortgage Disclosure Act requirements that Congress adopted this spring.

Here's a look at the 12 housing markets where mortgage lenders have to compete the most for borrowers' business.

While all cities show signs of healthy mortgage competition nationwide, some areas have higher concentrations of lender activity but also face varying degrees of competitiveness based on loan type, according to LendingTree.

Lenders would have a lighter data-reporting burden, but they may end up deciding to collect the data anyway.

A provision to remove new mortgage recordkeeping requirements would help overburdened community banks lend without disrupting data collection that is used to police discrimination.

Acting CFPB Director Mick Mulvaney has dropped agency plans to crack down on overdraft programs and large marketplace lenders. Here's what else he's changing.

From falling originations to market share shifts for nonbanks and government loans, here's a look at eight key findings from the just-released 2017 Home Mortgage Disclosure Act data.

FHA mortgage denials are higher now than they were 20 years ago. Here's a look at the 12 housing markets with the largest combined denial rates for black, Asian and Hispanic applicants.

One purpose of the Senate bill was for small banks to rein in skyrocketing costs, but some bankers question whether the changes will save them money, and adapting to the reforms may even increase spending.

From mixed messages about enforcement to complexities about which loans have to be reported, here's a look at five pitfalls to avoid when adjusting to the new HMDA compliance requirements.

From HMDA and TRID to restoring the Protecting Tenants at Foreclosure Act, here's a look at 10 mortgage and housing provisions in the Senate's regulatory reform bill.

Community banks and consumer advocates are clashing over a provision in the Senate banking bill on mortgage data reporting, but there’s been little vetting of what the measure would actually do.

Former Rep. Barney Frank rejected concerns voiced by other Democrats that a Senate bill rolling back some provisions of the Dodd-Frank Act will fuel another financial crisis.

Nearly 50 years after the federal Fair Housing Act was signed into law, banning racial discrimination in lending, black prospective homebuyers in the St. Louis area continue to be denied conventional mortgage loans at a much higher rate than whites.

A bill passed by the House would raise the threshold that allows smaller banks and credit unions to avoid expanded Home Mortgage Disclosure Act requirements imposed by a 2015 rule.

The Consumer Financial Protection Bureau on Wednesday launched a rate spread calculator and validation tool for financial companies reporting Home Mortgage Disclosure Act data starting Jan. 1.