{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the 2.6 percent increase in the average of the CPI-W for the 12-month period ending in November 2018, the exemption threshold is adjusted to increase to $46 million from $45 million. Therefore, banks, savings associations, and credit unions with assets of $46 million or less as of December 31, 2018, are exempt from collecting data in 2019.","action":"Final rule; official commentary.","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/2019/01/31/2018-28373.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1003,"title":12}],"citation":"84 FR 513","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"Effective date: This rule is effective January 31, 2019.","disposition_notes":null,"docket_ids":[],"dockets":[],"document_number":"2018-28373","effective_on":"2019-01-31","end_page":515,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2019/01/31/2018-28373.xml","html_url":"https://www.federalregister.gov/documents/2019/01/31/2018-28373/home-mortgage-disclosure-regulation-c-adjustment-to-asset-size-exemption-threshold","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2018-28373?publication_date=2019-01-31","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2019-01-31/2018-28373/mods.xml","not_received_for_publication":null,"page_length":3,"page_views":{"count":1988,"last_updated":"2026-09-21 06:15:03 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2019-01-31/pdf/2018-28373.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2018-28373.pdf?1548769514","publication_date":"2019-01-31","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2019/01/31/2018-28373.txt","regulation_id_number_info":{"3170-AA92":null},"regulation_id_numbers":["3170-AA92"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=CFPB-2018-0010","supporting_documents_count":0,"docket_id":"CFPB-2018-0010","regulation_id_number":null,"title":"2018 Notices","checked_regulationsdotgov_at":"2019-02-20T11:00:17Z"},"regulations_dot_gov_url":null,"significant":null,"signing_date":null,"start_page":513,"subtype":null,"title":"Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold","toc_doc":"Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold","toc_subject":null,"topics":["Credit unions","Mortgages","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":84}