{"id":285072,"date":"2026-03-30T11:44:53","date_gmt":"2026-03-30T15:44:53","guid":{"rendered":"https:\/\/ncrc.org\/?p=285072"},"modified":"2026-03-30T11:44:53","modified_gmt":"2026-03-30T15:44:53","slug":"ncrc-warns-cfpb-of-risks-of-reduced-hmda-data-collection-to-fair-lending-enforcement","status":"publish","type":"post","link":"https:\/\/ncrc.org\/ncrc-warns-cfpb-of-risks-of-reduced-hmda-data-collection-to-fair-lending-enforcement\/","title":{"rendered":"NCRC Warns CFPB of Risks of Reduced HMDA Data Collection to Fair Lending Enforcement"},"content":{"rendered":"

The National Community Reinvestment Coalition (NCRC) recently submitted a letter to the Consumer Financial Protection Bureau (CFPB) to strongly support maintaining the current level of Home Mortgage Disclosure Act (HMDA) data collection because reduced HMDA reporting would significantly impair fair lending enforcement.\u00a0\u00a0<\/span><\/p>\n

53 state and local NCRC member organizations signed on to <\/span>NCRC\u2019s letter<\/span><\/a>. The letter notes that for over five decades, Congress has repeatedly and deliberately affirmed and expanded HMDA and that the CFPB and industry leaders previously agreed that compliance costs are modest.<\/span><\/p>\n

HMDA data enables regulators, researchers, community organizations and the public to identify disparities in lending outcomes across racial, ethnic and income groups. Without this data, discriminatory lending patterns would be significantly more difficult to detect and address.<\/span><\/p>\n

\u201cHMDA is one of the most important tools we have for understanding whether lenders are serving communities fairly,\u201d said Jason Richardson, NCRC\u2019s senior director of research and letter author. \u201cWeakening HMDA would do little for lenders but a lot to hide discrimination.\u201d\u00a0<\/span><\/p>\n

To read NCRC\u2019s full letter, please visit <\/span>this link<\/span><\/a>.<\/span><\/p>\n

Members who signed on<\/b>:<\/span>\u00a0<\/span><\/p>\n

Americans for Financial Reform Education Fund<\/span><\/p>\n

ANHD<\/span><\/p>\n

Arkansas Community Organizations<\/span><\/p>\n

Atlanta Neighborhood Development Partnership<\/span><\/p>\n

Beneficial State Foundation<\/span><\/p>\n

Building Neighborhoods Together, Inc.<\/span><\/p>\n

CASA of Oregon<\/span><\/p>\n

CDFI Friendly South Bend<\/span><\/p>\n

Ceiba<\/span><\/p>\n

Center for Responsible Lending<\/span><\/p>\n

Committee for Better Banks<\/span><\/p>\n

Community Investment Alliance of Florida<\/span><\/p>\n

Consumer Action<\/span><\/p>\n

Consumer Federation of America<\/span><\/p>\n

Empire Justice Center<\/span><\/p>\n

Fair Finance Watch<\/span><\/p>\n

Fair Housing Center for Rights & Research<\/span><\/p>\n

Fair Housing Center of Central Indiana<\/span><\/p>\n

Fair Housing Center of West Michigan<\/span><\/p>\n

Fair Housing Rights Center in SEPA<\/span><\/p>\n

GenesisHOPE<\/span><\/p>\n

Georgia Advancing Communities Together, Inc.<\/span><\/p>\n

Harlingen Community Development Corporation<\/span><\/p>\n

Hip Hop Caucus<\/span><\/p>\n

Housing Action Illinois<\/span><\/p>\n

Housing Alliance of Pennsylvania<\/span><\/p>\n

Housing Education and Economic Development (HEED)<\/span><\/p>\n

Housing Opportunities Made Equal of Greater Cincinnati<\/span><\/p>\n

Housing Oregon<\/span><\/p>\n

Human Relations Council<\/span><\/p>\n

JV Shaw Consulting<\/span><\/p>\n

Living Cities<\/span><\/p>\n

Long Island Housing Services, Inc.<\/span><\/p>\n

Massachusetts Affordable Homeownership Alliance<\/span><\/p>\n

Metro Milwaukee Fair Housing Council<\/span><\/p>\n

New Jersey Citizen Action<\/span><\/p>\n

Opportunity Finance Network<\/span><\/p>\n

Oregon Consumer League<\/span><\/p>\n

Partners for Rural Transformation<\/span><\/p>\n

Philadelphia Association of Community Development Corporations<\/span><\/p>\n

Pittsburgh Community Reinvestment Group (PCRG)<\/span><\/p>\n

Progressive Leadership Alliance of Nevada<\/span><\/p>\n

Prosperity Indiana<\/span><\/p>\n

Public Good Law Center<\/span><\/p>\n

Rise Economy<\/span><\/p>\n

The Greenlining Institute<\/span><\/p>\n

The Sacramento Environmental Justice Coalition<\/span><\/p>\n

Tolson Center, Inc<\/span><\/p>\n

Universal Housing Solutions CDC<\/span><\/p>\n

University of Toronto<\/span><\/p>\n

Urban Coalition of Appraisal Professionals<\/span><\/p>\n

Urban Economic Development Association of Wisconsin, Inc.<\/span><\/p>\n

Woodstock Institute<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

The National Community Reinvestment Coalition (NCRC) recently submitted a letter to the Consumer Financial Protection Bureau (CFPB) to strongly support maintaining the current level of Home Mortgage Disclosure Act (HMDA) data collection because reduced HMDA reporting would significantly impair fair lending enforcement.\u00a0\u00a0 53 state and local NCRC member organizations signed on to NCRC\u2019s letter. The […]<\/p>\n","protected":false},"author":4019,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_angie_page":false,"content-type":"","_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_EventAllDay":false,"_EventTimezone":"","_EventStartDate":"","_EventEndDate":"","_EventStartDateUTC":"","_EventEndDateUTC":"","_EventShowMap":false,"_EventShowMapLink":false,"_EventURL":"","_EventCost":"","_EventCostDescription":"","_EventCurrencySymbol":"","_EventCurrencyCode":"","_EventCurrencyPosition":"","_EventDateTimeSeparator":"","_EventTimeRangeSeparator":"","_EventOrganizerID":[],"_EventVenueID":[],"_OrganizerEmail":"","_OrganizerPhone":"","_OrganizerWebsite":"","_VenueAddress":"","_VenueCity":"","_VenueCountry":"","_VenueProvince":"","_VenueState":"","_VenueZip":"","_VenuePhone":"","_VenueURL":"","_VenueStateProvince":"","_VenueLat":"","_VenueLng":"","_VenueShowMap":false,"_VenueShowMapLink":false,"page_builder":"","footnotes":""},"categories":[2433,2421],"tags":[1554,2854,1746,1147,1856,2058],"class_list":["post-285072","post","type-post","status-publish","format-standard","hentry","category-pr","category-views","tag-cfpb","tag-data-collection","tag-fair-lending","tag-featured","tag-hmda","tag-ncrc"],"acf":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false},"uagb_author_info":{"display_name":"NCRC","author_link":""},"uagb_comment_info":0,"uagb_excerpt":"The National Community Reinvestment Coalition (NCRC) recently submitted a letter to the Consumer Financial Protection Bureau (CFPB) to strongly support maintaining the current level of Home Mortgage Disclosure Act (HMDA) data collection because reduced HMDA reporting would significantly impair fair lending enforcement.\u00a0\u00a0 53 state and local NCRC member organizations signed on to NCRC\u2019s letter. The…","_links":{"self":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/285072","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/users\/4019"}],"replies":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/comments?post=285072"}],"version-history":[{"count":0,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/285072\/revisions"}],"wp:attachment":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/media?parent=285072"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/categories?post=285072"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/tags?post=285072"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}