{"abstract":"The Bureau of Consumer Financial Protection (Bureau) is amending Regulation C to increase the threshold for reporting data about closed-end mortgage loans, so that institutions originating fewer than 100 closed-end mortgage loans in either of the two preceding calendar years will not have to report such data effective July 1, 2020. The Bureau is also setting the threshold for reporting data about open-end lines of credit at 200 open-end lines of credit effective January 1, 2022, upon the expiration of the current temporary threshold of 500 open-end lines of credit.","action":"Final rule; official interpretation.","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/2020/05/12/2020-08409.html","cfr_references":[{"chapter":null,"citation_url":null,"part":"1003","title":12}],"citation":"85 FR 28364","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"This final rule is effective on July 1, 2020, except for the amendments to Sec. 1003.2 in amendatory instruction 5, the amendments to Sec. 1003.3 in amendatory instruction 6, and the amendments to supplement I to part 1003 in amendatory instruction 7, which are effective on January 1, 2022. See part VI for more information.","disposition_notes":null,"docket_ids":["Docket No. CFPB-2019-0021"],"dockets":[],"document_number":"2020-08409","effective_on":"2020-07-01","end_page":28407,"executive_order_notes":null,"executive_order_number":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2020/05/12/2020-08409.xml","html_url":"https://www.federalregister.gov/documents/2020/05/12/2020-08409/home-mortgage-disclosure-regulation-c","images":{"ER12MY20.177":{"large":"https://img.federalregister.gov/ER12MY20.177/ER12MY20.177_large.png","original_size":"https://img.federalregister.gov/ER12MY20.177/ER12MY20.177_original_size.png"}},"images_metadata":{"ER12MY20.177":{"large":{"identifier":"ER12MY20.177","content_type":"image/png","size":29799,"width":822,"sha":"c7d127fa152974227e603e31684a7757","url":"https://img.federalregister.gov/ER12MY20.177/ER12MY20.177_large.png","height":639},"original_size":{"identifier":"ER12MY20.177","content_type":"image/png","size":128952,"width":3908,"sha":"aeeadefc097dade674d64430895b17ad","url":"https://img.federalregister.gov/ER12MY20.177/ER12MY20.177_original_size.png","height":3037}}},"json_url":"https://www.federalregister.gov/api/v1/documents/2020-08409?publication_date=2020-05-12","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2020-05-12/2020-08409/mods.xml","not_received_for_publication":null,"page_length":44,"page_views":{"count":9469,"last_updated":"2026-09-20 12:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2020-05-12/pdf/2020-08409.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2020-08409.pdf?1589201129","publication_date":"2020-05-12","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2020/05/12/2020-08409.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"}},"regulation_id_numbers":["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-2019-0021","supporting_documents_count":0,"docket_id":"CFPB-2019-0021","regulation_id_number":"3170-AA76","title":"Home Mortgage Disclosure (Regulation C)","checked_regulationsdotgov_at":"2020-05-17T16:30:27Z"},"regulations_dot_gov_url":null,"significant":true,"signing_date":null,"start_page":28364,"subtype":null,"title":"Home Mortgage Disclosure (Regulation C)","toc_doc":null,"toc_subject":null,"topics":["Banks, banking","Credit unions","Mortgages","Reporting and recordkeeping requirements","Savings associations"],"type":"Rule","volume":85}