Public Comment Comment Letter on the CFPB's ANPR Relating to Home Mortgage Disclosure (Regulation C) Data Points and Coverage
Laurie Goodman, Sarah Strochak, Ellen Seidman
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The Consumer Financial Protection Bureau is considering modifying or eliminating some of the Home Mortgage Disclosure Act data they began collecting from lenders in 2018. The researchers discuss the value of and burden of collecting data about land ownership in manufactured housing, disaggregated race/ethnicity, open format fields in loan denial and multifamily loans owned by corporate entities. They also discuss how some of the new data fields can be valuable to identifying risks in the housing finance system and informing better housing finance policy. Finally, the researchers suggest a few areas where increased disclosure would be very valuable.
Research Areas Wealth and financial well-being Race and equity Housing finance Housing
Tags Federal housing programs and policies Asset and debts Racial and ethnic disparities Housing markets Housing and the economy Single-family finance Homeownership Financial products and services Inequality and mobility Opportunity and ownership Finance Racial barriers to housing Racial homeownership gap Housing finance data and tools
Policy Centers Housing Finance Policy Center