{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is amending Regulation C to make technical corrections to and to clarify certain requirements adopted by the Bureau's Home Mortgage Disclosure (Regulation C) final rule (2015 HMDA Final Rule), which was published in the Federal Register on October 28, 2015. The Bureau is also amending Regulation C to increase the threshold for collecting and reporting data about open-end lines of credit for a period of two years so that financial institutions originating fewer than 500 open-end lines of credit in either of the preceding two years would not be required to begin collecting such data until January 1, 2020. The Bureau also is adopting a new reporting exclusion.","action":"Final rule.","agencies":[{"raw_name":"BUREAU OF CONSUMER FINANCIAL PROTECTION","name":"Consumer Financial Protection Bureau","id":573,"url":"https://www.federalregister.gov/agencies/consumer-financial-protection-bureau","json_url":"https://www.federalregister.gov/api/v1/agencies/573","parent_id":null,"slug":"consumer-financial-protection-bureau"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2017/09/13/2017-18284.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1003,"title":12}],"citation":"82 FR 43088","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This rule is effective on January 1, 2018, except that the amendments to Sec. 1003.5 in amendatory instruction 8, the amendments to Sec. 1003.6 in amendatory instruction 9, and the amendments to supplement I to part 1003 in amendatory instruction 10 are effective on January 1, 2019; and the amendments to Sec. 1003.2 in amendatory instruction 11, the amendments to Sec. 1003.3 in amendatory instruction 12, the amendments to Sec. 1003.5 in amendatory instruction 13, the amendments to Sec. 1003.6 in amendatory instruction 14, and the amendments to supplement I to part 1003 in amendatory instruction 15 are effective on January 1, 2020. See part VI for more information.","disposition_notes":null,"docket_ids":["Docket Nos. CFPB-2017-0010","CFPB-2017-0021"],"dockets":[],"document_number":"2017-18284","effective_on":"2018-01-01","end_page":43149,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2017/09/13/2017-18284.xml","html_url":"https://www.federalregister.gov/documents/2017/09/13/2017-18284/home-mortgage-disclosure-regulation-c","images":{"ER13SE17.000":{"large":"https://img.federalregister.gov/ER13SE17.000/ER13SE17.000_large.png","original_size":"https://img.federalregister.gov/ER13SE17.000/ER13SE17.000_original_size.png"}},"images_metadata":{"ER13SE17.000":{"large":{"identifier":"ER13SE17.000","content_type":"image/png","size":115976,"width":808,"sha":"23559977e5d09d10aa01073cc6c54bf2","url":"https://img.federalregister.gov/ER13SE17.000/ER13SE17.000_large.png","height":1292},"original_size":{"identifier":"ER13SE17.000","content_type":"image/png","size":165780,"width":2875,"sha":"024849457b73b6ac9a291b51260ae3f9","url":"https://img.federalregister.gov/ER13SE17.000/ER13SE17.000_original_size.png","height":4595}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2017-18284?publication_date=2017-09-13","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2017-09-13/2017-18284/mods.xml","not_received_for_publication":null,"page_length":62,"page_views":{"count":14463,"last_updated":"2026-09-21 08:15:05 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2017-09-13/pdf/2017-18284.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2017-18284.pdf?1505220323","publication_date":"2017-09-13","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2017/09/13/2017-18284.txt","regulation_id_number_info":{"3170-AA76":{"issue":"201910","html_url":"https://www.federalregister.gov/regulations/3170-AA76/home-mortgage-disclosure-act-regulation-c-","title":"Home Mortgage Disclosure Act (Regulation C) ","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201910&RIN=3170-AA76&operation=OPERATION_EXPORT_XML","priority_category":"Other Significant"},"3170-AA64":{"issue":"201704","html_url":"https://www.federalregister.gov/regulations/3170-AA64/technical-corrections-and-clarifying-amendments-to-home-mortgage-disclosure-act-regulation-c-","title":"Technical Corrections and Clarifying Amendments to Home Mortgage Disclosure Act (Regulation C)","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=201704&RIN=3170-AA64&operation=OPERATION_EXPORT_XML","priority_category":"Substantive, Nonsignificant"}},"regulation_id_numbers":["3170-AA64","3170-AA76"],"regulations_dot_gov_info":{"supporting_documents":[],"regulatory_plan":{"html_url":"https://www.federalregister.gov/regulations/3170-AA76/home-mortgage-disclosure-act-regulation-c-","title":"Home Mortgage Disclosure Act (Regulation C) "},"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2017-0021","supporting_documents_count":0,"docket_id":"CFPB-2017-0021","regulation_id_number":"3170-AA76","title":"Home Mortgage Disclosure Temporary Increase in Institutional and Transactional Coverage Thresholds for Open-End Lines of Credit.","checked_regulationsdotgov_at":"2017-10-03T06:00:17Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":43088,"subtype":null,"title":"Home Mortgage Disclosure (Regulation C)","toc_doc":"Home Mortgage Disclosure (Regulation C)","toc_subject":null,"topics":["Banks, banking","Credit unions","Mortgages","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":82}