These resources provide guidance on how to comply with fair lending laws.
NCUA Fair Lending Guide (opens new window)
This guide is intended for use by a credit union’s board of directors and management, compliance officers, and others having responsibility for fair lending compliance as part of their duties.
Fair Lending Compliance Program
NCUA Regulatory Alerts
Regulatory Alert 17-RA-03: Submission of 2016 Home Mortgage Disclosure Act Data (February 2017)
Regulatory Alert 16-RA-03: Submission of 2015 Home Mortgage Disclosure Act Data (February 2016)
NCUA Webinars
2016 Federal Interagency Fair Lending Hot Topics (Oct. 4, 2016) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
Equal Credit Opportunity Act (ECOA)
- CFPB Transaction Coverage Under the ECOA Valuations Rule Fact Sheet (Released April 29, 2020) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) ;
- CFPB Delivery of Appraisals (Released April 29, 2020) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) ;
- CFPB ECOA Valuations Rule FAQ (Issued April 29, 2020) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) ;
Home Mortgage Disclosure Act (HMDA)
CFPB HMDA (Regulation C) Small Entity Compliance Guide version 5 (May 2020) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
On April 16, 2010, the CFPB issued a final rule amending Regulation C (Home Mortgage Disclosure Act) adjusting the thresholds for closed-end mortgage loans and open-end lines of credit. To assist financial institutions, including credit unions, the CFPB has posted the following documents:
- HMDA Filing Instruction Guide for HMDA Data Collected in 2021 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
- HMDA Rule Key Dates Times 2020-2022 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) ;
- HMDA institution coverage chart, effective July 1, 2020, through Dec. 31, 2021 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) ;
- HMDA institutional coverage chart, effective Jan. 1, 2022 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) ;
- HMDA transactional coverage chart, effective July 1, 2020, through Dec. 31, 2021 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) ; and
- HMDA transactional coverage chart, effective Jan. 1, 2022 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).) .
CFPB Amendment to Increase Threshold for Reporting Data About Closed-end Mortgage Loans (Regulation C – Home Mortgage Disclosure Act) (effective July. 1, 2020) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
FFIEC 2020 A Guide to HMDA Reporting: Getting It right (For HMDA Submissions due March 1, 2021) (effective Jan. 1, 2020) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB HMDA (Regulation C) Small Entity Compliance Guide version 4.0 (January 2020) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Adjustment to Asset-Size Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2020) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
HMDA Filing Instruction Guide for HMDA Data Collected in 2020 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
HMDA Supplemental Guide for Quarterly Filers (Released Sept. 2019) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
FFIEC 2019 A Guide to HMDA Reporting: Getting it Right (For HMDA Submissions due March 1, 2020) (effective Jan. 1, 2019) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Reportable HMDA Data: A Regulatory and Reporting Overview Reference Chart for HMDA Data Collected in 2019 (Effective Jan. 1, 2019) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB HMDA Data Disclosure Policy Guidance (Dec. 21, 2018) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
HMDA Filing Instruction Guide for HMDA Data Collected in 2019 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
BCFP Partial Exemptions from the Requirements of HMDA Under the Economic Growth, Regulatory Relief, and Consumer Protection Act (Regulation C) Final Rule (Issued Aug. 31, 2018) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
Executive Summary and Regulatory and Reporting Overview Reference Chart on the HMDA Interpretive and Procedural Rule Issued on Aug. 31, 2018 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
HMDA Filing Instruction Guides for Data Collected in 2017 and 2018 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
FFIEC Announces Availability of 2017 Data on Mortgage Lending (May 7, 2018)
FFIEC 2018 A Guide to HMDA Reporting Getting it Right (In effect beginning Jan. 1, 2018) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
2018 HMDA LAR Formatting Tool (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
HMDA Check Digit Tool and Rate Spread Calculator (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Adjustment to Asset-Size Exemption Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2018) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
HMDA Disclosure Statement Modified LAR Availability Notices
Posted Notice of HMDA Availability (opens new window)
CFPB Final Redesigned Uniform Residential Loan Application Status Under Regulation B Notice (Issued Nov. 20, 2017) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB HMDA Small Entity Compliance Guide (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection Final Rule (Published Oct. 2, 2017) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
HMDA Filing Instructions Guide (for data collected in or after 2018) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB HMDA (Regulation C) Final Rule Making Technical Corrections (issued Aug. 24, 2017) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB HMDA (Regulation C) Final Rule to Temporarily Increase in Institutional and Transaction Coverage Thresholds for Open-End Lines of Credit (issued Aug. 24, 2017) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
FFIEC HMDA Examiner Transaction Testing Guidelines (resubmission guidelines) (opens new window)
CFPB 2015 HMDA Final Rule Webinar (Feb. 8, 2017) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB HMDA Rule Implementation Webpage (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Adjustment to Asset-Size Exemption Threshold (Regulation C – Home Mortgage Disclosure Act) (Effective Jan. 1, 2017) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Notice Pursuant to the Equal Credit Opportunity Act Concerning the New Uniform Residential Loan Application and the Collection of Expanded Home Mortgage Disclosure Act Information About Ethnicity and Race in 2017 (Entities may rely on part III of this CFPB official approval beginning Jan. 1, 2017) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Notice of Availability of Revised Methodology for Determining Average Prime Offer Rates (published Aug. 10, 2016) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
FFIEC Methodology for Determining Prime Offer Rates (published July 7, 2016) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB HMDA Final Rule Webinar July 14, 2016 (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold (Effective Jan. 1, 2016) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
Fair Lending Exam Procedures
FFIEC Interagency Fair Lending Examination Procedures (August 2009) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
Appendix to FFIEC Interagency Fair Lending Examination Procedures (August 2009) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
Additional Resources
FFIEC and HUD Resources for HMDA Filers (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB HMDA Rule Implementation Webpage (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Guidance Documents (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Bulletin 2015-02—Section 8 Housing Choice Voucher Homeownership Program (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
CFPB Bulletin 2014-03—Social Security Disability Income Verification (Issued Nov. 18, 2014) (opens new window) (You will be leaving NCUA.gov and accessing a non-NCUA website. We encourage you to read the NCUA's exit link policies. (opens new page).)
Questions? Contact the Division of Consumer Compliance Policy and Outreach in NCUA's Office of Consumer Financial Protection at compliancemail@ncua.gov.