Law
Home Mortgage Disclosure Act
Required lenders to disclose mortgage data to identify discriminatory practices.
Year
1975
Impact
Positive
Status
Active
Party
Republican Party
Era
Contemporary Era
Impact Context
Enabled tracking of redlining and discriminatory lending.
What This Policy Did
Enabled tracking of redlining and discriminatory lending.
Evidence and Linked Records
Redlining Reparations and Homeownership Equity Act
Critical • Idea • 3 linked bills
Black Homeownership and Appraisal Fairness Act
High • Idea • 2 linked bills
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Sources
Government
Consumer Financial Protection Bureau • Government • Dec 13, 2024
CFPB overview stating that HMDA requires many financial institutions to maintain, report, and publicly disclose mortgage loan-level information to help reveal whether lenders are serving community housing needs and to illuminate potentially discriminatory patterns.
Consumer Financial Protection Bureau • Government • Jan 7, 2026
Current CFPB Regulation C page for HMDA compliance and disclosure requirements.
Federal Reserve History • Government • May 8, 2023
Federal Reserve History page noting that advocacy groups used data disclosed through HMDA to uncover continued redlining and support CRA-era analysis.