HMDA

Any serious discussion of how best to update the Community Reinvestment Act for the 21st century must focus on strengthening the law, not eliminating it.

Midterm elections are just eight days away and credit unions are making efforts to help get out the vote. Meanwhile, one Virginia-based CU is back in court over alleged ADA violations.

A new analysis of mortgage data demonstrates how default rates, not just approval and decline rates, can be used to evaluate findings of unfair treatment in lending.

The agency wants more information as it conducts fair-lending exams, but conflicting statutes make writing a data collection rule difficult.

The Consumer Financial Protection Bureau issued an interpretive rule Friday to clarify changes made to the Home Mortgage Disclosure Act that were mandated by President Trump's regulatory relief law.

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

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.

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

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

Talking with Shari Van Cleave, head of Wells Fargo Digital Labs; Citizens Financial makes a big move in mortgages in purchasing Franklin American; a rewards blockchain could give Amex access to a wealth of customer data; and more from this week's most-read stories.

Readers react to acting Consumer Financial Protection Bureau Director Mick Mulvaney easing mortgage reporting requirements, opine on facial recognition systems, weigh in on Wells Fargo’s attempts to change its culture and more.

Comprehensive analysis of the banking industry's first big legislative victory since the crisis; lawsuits target banks with websites in violation of the Americans with Disabilities Act; what a homegrown app for millennials has to teach Wells Fargo; and more from this week's most-read stories.

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

Readers celebrate first quarter earnings, weigh in on banks using blockchain, slam a postal banking proposal and more.

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 key findings from the just-released 2017 Home Mortgage Disclosure Act data.

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.

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.