Chairman Hood: CFPB Final HMDA Rule “Positive News for Credit Unions”

ALEXANDRIA, Va. (Oct. 11, 2019) – National Credit Union Administration Chairman Rodney E. Hood today welcomed the Consumer Financial Protection Bureau’s final rule providing regulatory relief to smaller financial institutions under the Home Mortgage Disclosure Act.

“This is positive news for small credit unions,” Hood said. “Regulators need to stay mindful of the reporting burdens we place on smaller institutions, and we should always work to tailor rules appropriately. This will allow small credit unions to focus resources on serving their member-owners, not burdensome government regulations.”

The Bureau’s final rule extends until Jan. 1, 2022, the current temporary coverage threshold of 500 open-ended lines of credit. Financial institutions that originate fewer than 500 open-end lines of credit in 2020 and 2021 will not need to collect and report data on those.

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