Home Mortgage Disclosure (Regulation C) Adjustment to Asset-Size Exemption Threshold
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The brief below is a reading aid. The original source material and source link remain the governing reference.
Operational Brief
The final rule adjusts the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the CPI-W. This affects how these institutions report home mortgage data under Regulation C.
Why It Matters for Texas Credit Unions
The article does not mention Texas or any Texas-specific entities and applies to all credit unions nationwide.
Who this most likely affects
Bounded site guidance: This item is most likely relevant for credit unions with meaningful mortgage, home-equity, or consumer-real-estate activity.
Why this fit: The source language points to lending, mortgage, or fair-lending activity that usually matters most where those programs are active.
This is site guidance, not a formal determination. CFPB Final Rules and the original source material remain the governing reference.
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The Consumer Financial Protection Bureau (Bureau) is issuing a final rule amending the official commentary that interprets the requirements of the Bureau's Regulation C (Home Mortgage Disclosure) to reflect the asset-size exemption threshold for banks, savings associations, and credit unions based on the annual percentage change in the average of the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W).