source:
  type: regulation
  id: hmda-12cfr-1003.6
  authority: 12 CFR §1003.6 — Enforcement (HMDA / Regulation C)
  description: 'Regulation C §1003.6 fixes administrative enforcement authority

    for HMDA violations, the bona-fide-error safe harbor, and the

    good-faith-effort quarterly recording / reporting safe harbors.

    '
obligations:
- id: hmda-12cfr-1003.6-a
  canonical_id: hmda-12cfr-1003.6-a
  section: 12 CFR §1003.6(a)
  description: '(a): (a) Administrative enforcement. A violation of the Act or this part is subject to
    administrative sanctions as provided in section 305 of the Act ( 12 U.S.C. 2804 ), including the imposition
    of civil money penalties, where applicable. Compliance is enforced by the agencies listed in section
    305 of th…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.6(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.6
    snapshot_id: b096c86ca3a58bfc
    fetched_at: '2026-05-22T11:32:37Z'
    content_hash: sha256:845e02ed8c7afbf00f113085cdc55d55f689332fff77e516e1480179d477938f
    paragraph_quote: (a) Administrative enforcement. A violation of the Act or this part is subject to
      administrative sanctions as provided in section 305 of the Act ( 12 U.S.C. 2804 ), including the
      imposition of civil money penalties, where applicable. Compliance is enforced by the agencies listed
      in section 305 of the Act .
    drafter_attestation: Verbatim subsection of 12 CFR §1003.6 from Cornell LII snapshot b096c86ca3a58bfc;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.6-b
  canonical_id: hmda-12cfr-1003.6-b
  section: 12 CFR §1003.6(b)
  description: '(b): (b) Bona fide errors. (1) An error in compiling or recording data for a covered loan
    or application is not a violation of the Act or this part if the error was unintentional and occurred
    despite the maintenance of procedures reasonably adapted to avoid such an error. (2) An incorrect
    entry for a cen…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.6(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.6
    snapshot_id: b096c86ca3a58bfc
    fetched_at: '2026-05-22T11:32:37Z'
    content_hash: sha256:845e02ed8c7afbf00f113085cdc55d55f689332fff77e516e1480179d477938f
    paragraph_quote: (b) Bona fide errors. (1) An error in compiling or recording data for a covered loan
      or application is not a violation of the Act or this part if the error was unintentional and occurred
      despite the maintenance of procedures reasonably adapted to avoid such an error. (2) An incorrect
      entry for a census tract number is deemed a bona fide error, and is not a violation of the Act or
      this part, provided that the financial institution maintains procedures reasonably adapted to avoid
      such an error.
    drafter_attestation: Verbatim subsection of 12 CFR §1003.6 from Cornell LII snapshot b096c86ca3a58bfc;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.6-c
  canonical_id: hmda-12cfr-1003.6-c
  section: 12 CFR §1003.6(c)
  description: '(c): (c) Quarterly recording and reporting. (1) If a financial institution makes a good-faith
    effort to record all data required to be recorded pursuant to § 1003.4(f) fully and accurately within
    30 calendar days after the end of each calendar quarter, and some data are nevertheless inaccurate
    or incompl…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.6(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.6
    snapshot_id: b096c86ca3a58bfc
    fetched_at: '2026-05-22T11:32:37Z'
    content_hash: sha256:845e02ed8c7afbf00f113085cdc55d55f689332fff77e516e1480179d477938f
    paragraph_quote: (c) Quarterly recording and reporting. (1) If a financial institution makes a good-faith
      effort to record all data required to be recorded pursuant to § 1003.4(f) fully and accurately within
      30 calendar days after the end of each calendar quarter, and some data are nevertheless inaccurate
      or incomplete, the inaccuracy or omission is not a violation of the Act or this part provided that
      the institution corrects or completes the data prior to submitting its annual loan/application register
      pursuant to § 1003.5(a)(1)(i) . (2) If a financial institution required to comply with § 1003.5(a)(1)(ii)
      makes a good-faith effort to report all data required to be reported pursuant to § 1003.5(a)(1)(ii)
      fully and accurately within 60 calendar days after the end of each calendar quarter, and some data
      are nevertheless inaccurate or incomplete, the inaccuracy or omission is not a violation of the
      Act or this part provided that the institution corrects or completes the data prior to submitting
      its annual loan/application register pursuant to § 1003.5(a)(1)(i) . [ 80 FR 66313 , Oct. 28, 2015,
      as amended at 82 FR 43145 , 43146, Sept. 13, 2017] CFR Toolbox Law about... Articles from Wex Table
      of Popular Names Parallel Table of Authorities Accessibility About LII Contact us Advertise here
      Help Terms of use Privacy
    drafter_attestation: Verbatim subsection of 12 CFR §1003.6 from Cornell LII snapshot b096c86ca3a58bfc;
      body isolated between nav and notes; substring-verified.
  judgment: false
