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)
Equal Credit Opportunity Act (ECOA)
- CFPB Transaction Coverage Under the ECOA Valuations Rule Fact Sheet (Released April 29, 2020) (opens new window);
- CFPB Delivery of Appraisals (Released April 29, 2020) (opens new window);
- CFPB ECOA Valuations Rule FAQ (Issued April 29, 2020) (opens new window);
- CFPB ECOA Valuations Rule Implementation Webpage (opens new window)
Home Mortgage Disclosure Act (HMDA)
CFPB HMDA (Regulation C) Small Entity Compliance Guide version 5 (May 2020) (opens new window)
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)
- HMDA Rule Key Dates Times 2020-2022 (opens new window);
- HMDA institution coverage chart, effective July 1, 2020, through Dec. 31, 2021 (opens new window);
- HMDA institutional coverage chart, effective Jan. 1, 2022 (opens new window);
- HMDA transactional coverage chart, effective July 1, 2020, through Dec. 31, 2021 (opens new window); and
- HMDA transactional coverage chart, effective Jan. 1, 2022 (opens new window).
CFPB HMDA FAQs (Last updated March 6, 2020) (opens new window)
CFPB HMDA (Regulation C) Small Entity Compliance Guide version 4.0 (January 2020) (opens new window)
HMDA Filing Instruction Guide for HMDA Data Collected in 2020 (opens new window)
HMDA Supplemental Guide for Quarterly Filers (Released Sept. 2019) (opens new window)
CFPB HMDA Data Disclosure Policy Guidance (Dec. 21, 2018) (opens new window)
HMDA Filing Instruction Guide for HMDA Data Collected in 2019 (opens new window)
HMDA Filing Instruction Guides for Data Collected in 2017 and 2018 (opens new window)
FFIEC Announces Availability of 2017 Data on Mortgage Lending (May 7, 2018)
2018 HMDA LAR Formatting Tool (opens new window)
HMDA Check Digit Tool and Rate Spread Calculator (opens new window)
HMDA Disclosure Statement Modified LAR Availability Notices (opens new window)
Posted Notice of HMDA Availability (opens new window)
CFPB HMDA Small Entity Compliance Guide (opens new window)
HMDA Filing Instructions Guide (for data collected in or after 2018) (opens new window)
FFIEC HMDA Examiner Transaction Testing Guidelines (resubmission guidelines) (opens new window)
CFPB 2015 HMDA Final Rule Webinar (Feb. 8, 2017) (opens new window)
CFPB HMDA Rule Implementation Webpage (opens new window)
FFIEC Methodology for Determining Prime Offer Rates (published July 7, 2016) (opens new window)
CFPB HMDA Final Rule Webinar July 14, 2016 (opens new window)
Fair Lending Exam Procedures
FFIEC Interagency Fair Lending Examination Procedures (August 2009) (opens new window)
Appendix to FFIEC Interagency Fair Lending Examination Procedures (August 2009) (opens new window)
Additional Resources
FFIEC and HUD Resources for HMDA Filers (opens new window)
CFPB HMDA Rule Implementation Webpage (opens new window)
CFPB Guidance Documents (opens new window)
CFPB Bulletin 2015-02—Section 8 Housing Choice Voucher Homeownership Program (opens new window)
Questions? Contact the Division of Consumer Compliance Policy and Outreach in NCUA's Office of Consumer Financial Protection at compliancemail@ncua.gov.