On January 16, 2026, the Regulatory Report reported that the CFPB will discontinue its email service for notifying users about changes to Home Mortgage Disclosure Amendment (HMDA) requirements, starting January 20, 2026. According to the report, the Bureau cited "operational constraints" as the reason for discontinuation but did not provide any details about what these "operational constraints" were.

On January 7, 2026, the CFPB issued a final rule that adjusted the HMDA exemption threshold from $58 million to $59 million. The adjustment is based on the 2.5 percent increase in the average of the CPI-W for the 12-month period ending in November 2025. Therefore, banks, savings associations, and credit unions with assets of $59 million or less as of Dec. 31, 2025, are exempt from collecting data in 2026.

On January 1, 2026, the CFPB opened the filing period for HMDA data collected in 2025. Submissions will be considered timely if received on or before March 2, 2026.

On March 28, 2025, the CFPB announced that the HMDA Modified Loan Application Register (LAR) data for 2024 are now available on the FFIEC’s HMDA Platform for approximately 4,898 HMDA filers. The published data contain loan-level information filed by financial institutions and modified to protect consumer privacy.

On December 13, 2024, the CFPB released its annual report on residential mortgage lending activity and trends. The report provides an overview of residential mortgage lending in 2023 based on the data collected under the Home Mortgage Disclosure Act (HMDA).

In early October, the CFPB released its HMDA Beta Platform for data that will be collected in 2025. The 2025 HMDA Beta Platform allows financial institutions and vendors to test whether their sample loan/application register (LAR) data comply with the reporting requirements outlined in the Filing Instructions Guide for HMDA data collected in 2025.

On September 20, 2024, the CFPB released the HMDA Filing Instructions Guide (FIG) for data collected in 2025. As this guide is updated on an annual basis for the new year, there appears to be minimal changes in the newest version of the Guide.

On July 11, 2024, the FFIEC announced the availability of data on 2023 mortgage lending transactions reported under the Home Mortgage Disclosure Act (HMDA) by 5,113 U.S. financial institutions. Covered institutions include banks, savings associations, credit unions, and mortgage companies.