Home Mortgage Disclosure Act
This page analyzes a single policy using structured scoring, historical evidence, source quality, and measurable outcomes.
Summary
Required lenders to disclose mortgage data to identify discriminatory practices.
How to Read This Record
Impact Reading
Very high documented impact
Evidence Base
Strong evidence from Government sources.
Data Completeness
Good record with 4 sources and 0 metrics.
Outcome Summary
Enabled tracking of redlining and discriminatory lending.
Categories
Impact Scores
This score is a structured measure of how directly and materially this policy affected Black communities, weighted by evidence, durability, and equity. Harm offset reduces the total score.
Total Impact Score
32
Directness
4
How explicitly the policy targeted or affected Black communities.
Material Impact
4
The practical real-world effect on conditions, rights, or outcomes.
Evidence
5
Strength of sourcing and historical support for the assessment.
Durability
5
How lasting the effects of the policy were over time.
Equity
4
Whether the policy advanced fairness, inclusion, or equal access.
Harm Offset
2
Any offsetting harms, limitations, exclusions, or contradictory effects that reduce the total.
Metrics
No metrics added yet.
Current Reform Connections
These future-bill concepts are connected to this policy through shared explainers, then linked forward to real tracked bills and current legislator scorecards.
Redlining Reparations and Homeownership Equity Act
Housing • Idea
Historic redlining, discriminatory lending, and federal housing policies excluded Black families from wealth-building opportunities through homeownership.
Linked Legislator Scorecards
Rep. Adams, Alma S. [D-NC-12]
Cosponsor • House • D • NC
Rep. Pressley, Ayanna [D-MA-7]
Cosponsor • House • D • MA
Del. Norton, Eleanor Holmes [D-DC-At Large]
Cosponsor • House • D • DC
Rep. Sewell, Terri A. [D-AL-7]
Cosponsor • House • D • AL
Black Homeownership and Appraisal Fairness Act
Housing • Idea
Black households face persistent homeownership and appraisal disparities.
Linked Legislator Scorecards
Rep. Pressley, Ayanna [D-MA-7]
Primary Sponsor • House • D • MA
Sen. Warnock, Raphael G. [D-GA]
Primary Sponsor • Senate • D • GA
Sen. Alsobrooks, Angela D. [D-MD]
Cosponsor • Senate • D • MD
Sen. Blumenthal, Richard [D-CT]
Cosponsor • Senate • D • CT
Suggested Relationships
These policies may be related based on shared categories, era, and proximity in time.
1974 • Law • Republican Party
Civil Rights Era • Mixed
Shared Categories: 2 • Year Distance: 1
1977 • Law • Unknown party
Post Civil Rights Era • Positive
Shared Categories: 2 • Year Distance: 2
1970 • Law • Republican Party
Civil Rights Era • Mixed
Shared Categories: 2 • Year Distance: 5
1956 • Law • Republican Party
Civil Rights Era • Negative
Shared Categories: 2 • Year Distance: 19
1974 • Law • Republican Party
Contemporary Era • Positive
Shared Categories: 1 • Year Distance: 1
1989 • Law • Democratic Party
Contemporary Era • Blocked
Shared Categories: 1 • Year Distance: 14
1996 • Law • Democratic Party
Contemporary Era • Mixed
Shared Categories: 1 • Year Distance: 21
1999 • Court Case • Unknown party
Contemporary Era • Mixed
Shared Categories: 1 • Year Distance: 24
Sources
HMDA
Unknown publisher • Government
Home Mortgage Disclosure Act (HMDA) Data
Consumer Financial Protection Bureau • Government
Published: 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.
View sourceHome Mortgage Disclosure (Regulation C)
Consumer Financial Protection Bureau • Government
Published: Jan 7, 2026
Current CFPB Regulation C page for HMDA compliance and disclosure requirements.
View sourceCommunity Reinvestment Act of 1977
Federal Reserve History • Government
Published: 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.
View source