source:
  type: regulation
  id: hmda-12cfr-1003.5
  authority: 12 CFR §1003.5 — Disclosure and reporting (HMDA / Regulation C)
  description: 'Regulation C §1003.5 governs reporting the LAR to the

    appropriate Federal agency (annual by March 1, quarterly within

    60 days for high-volume reporters), the §1003.5(b) FFIEC-driven

    disclosure-statement notice, the §1003.5(c)-(d) modified-LAR

    notices and 3-/5-year public availability requirements, the

    §1003.5(e) lobby-posted notice of HMDA-data availability, and

    the §1003.5(f) FFIEC aggregate-data preparation.

    '
obligations:
- id: hmda-12cfr-1003.5-a
  canonical_id: hmda-12cfr-1003.5-a
  section: 12 CFR §1003.5(a)
  description: '(a): (a) Reporting to agency —(1)(i) Annual reporting. By March 1 following the calendar
    year for which data are collected and recorded as required by § 1003.4 , a financial institution shall
    submit its annual loan/application register in electronic format to the appropriate Federal agency
    at the address…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.5(a)(1)(i)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.5
    snapshot_id: 3f79dc3b499de93a
    fetched_at: '2026-05-22T11:32:35Z'
    content_hash: sha256:eb9bc5299e8eafdf4015eb16ebe24212310eb8b1c7e4dadc3a1875de235c3639
    paragraph_quote: '(a) Reporting to agency —(1)(i) Annual reporting. By March 1 following the calendar
      year for which data are collected and recorded as required by § 1003.4 , a financial institution
      shall submit its annual loan/application register in electronic format to the appropriate Federal
      agency at the address identified by such agency. An authorized representative of the financial institution
      with knowledge of the data submitted shall certify to the accuracy and completeness of data submitted
      pursuant to this paragraph (a)(1)(i). The financial institution shall retain a copy of its annual
      loan/application register submitted pursuant to this paragraph (a)(1)(i) for its records for at
      least three years. (ii) Quarterly reporting. Within 60 calendar days after the end of each calendar
      quarter except the fourth quarter, a financial institution that reported for the preceding calendar
      year at least 60,000 covered loans and applications, combined, excluding purchased covered loans,
      shall submit to the appropriate Federal agency its loan/application register containing all data
      required to be recorded for that quarter pursuant to § 1003.4(f) . The financial institution shall
      submit its quarterly loan/application register pursuant to this paragraph (a)(1)(ii) in electronic
      format at the address identified by the appropriate Federal agency for the institution. (iii) When
      the last day for submission of data prescribed under this paragraph (a)(1) falls on a Saturday or
      Sunday, a submission shall be considered timely if it is submitted on the next succeeding Monday.
      (2) A financial institution that is a subsidiary of a bank or savings association shall complete
      a separate loan/application register . The subsidiary shall submit the loan/application register
      , directly or through its parent, to the appropriate Federal agency for the subsidiary''s parent
      at the address identified by the agency. (3) A financial institution shall provide with its submission:'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.5 from Cornell LII snapshot 3f79dc3b499de93a;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.5-i
  canonical_id: hmda-12cfr-1003.5-i
  section: 12 CFR §1003.5(i)
  description: '(i): (i) Its name; (ii) The calendar year the data submission covers pursuant to paragraph
    (a)(1)(i) of this section or calendar quarter and year the data submission covers pursuant to paragraph
    (a)(1)(ii) of this section; (iii) The name and contact information of a person who may be contacted
    with quest…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.5(a)(1)(i)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.5
    snapshot_id: 3f79dc3b499de93a
    fetched_at: '2026-05-22T11:32:35Z'
    content_hash: sha256:eb9bc5299e8eafdf4015eb16ebe24212310eb8b1c7e4dadc3a1875de235c3639
    paragraph_quote: (i) Its name; (ii) The calendar year the data submission covers pursuant to paragraph
      (a)(1)(i) of this section or calendar quarter and year the data submission covers pursuant to paragraph
      (a)(1)(ii) of this section; (iii) The name and contact information of a person who may be contacted
      with questions about the institution's submission; (iv) Its appropriate Federal agency;
    drafter_attestation: Verbatim subsection of 12 CFR §1003.5 from Cornell LII snapshot 3f79dc3b499de93a;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.5-v
  canonical_id: hmda-12cfr-1003.5-v
  section: 12 CFR §1003.5(v)
  description: '(v): (v) The total number of entries contained in the submission; (vi) Its Federal Taxpayer
    Identification number; and (vii) Its Legal Entity Identifier (LEI) as described in § 1003.4(a)(1)(i)(A)
    . (4) For purposes of paragraph (a) of this section, “appropriate Federal agency” means the appropriate
    agenc…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.5(a)(1)(i)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.5
    snapshot_id: 3f79dc3b499de93a
    fetched_at: '2026-05-22T11:32:35Z'
    content_hash: sha256:eb9bc5299e8eafdf4015eb16ebe24212310eb8b1c7e4dadc3a1875de235c3639
    paragraph_quote: (v) The total number of entries contained in the submission; (vi) Its Federal Taxpayer
      Identification number; and (vii) Its Legal Entity Identifier (LEI) as described in § 1003.4(a)(1)(i)(A)
      . (4) For purposes of paragraph (a) of this section, “appropriate Federal agency” means the appropriate
      agency for the financial institution as determined pursuant to section 304(h)(2) of the Home Mortgage
      Disclosure Act ( 12 U.S.C. 2803(h)(2) ) or, with respect to a financial institution subject to the
      Bureau's supervisory authority under section 1025(a) of the Consumer Financial Protection Act of
      2010 ( 12 U.S.C. 5515(a) ), the Bureau. (5) Procedures for the submission of data pursuant to paragraph
      (a) of this section are available at www.consumerfinance.gov/hmda .
    drafter_attestation: Verbatim subsection of 12 CFR §1003.5 from Cornell LII snapshot 3f79dc3b499de93a;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.5-b
  canonical_id: hmda-12cfr-1003.5-b
  section: 12 CFR §1003.5(b)
  description: '(b): (b) Disclosure statement. (1) The Federal Financial Institutions Examination Council
    (FFIEC) will make available a disclosure statement based on the data each financial institution submits
    for the preceding calendar year pursuant to paragraph (a)(1)(i) of this section. (2) No later than
    three busine…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.5(a)(1)(i)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.5
    snapshot_id: 3f79dc3b499de93a
    fetched_at: '2026-05-22T11:32:35Z'
    content_hash: sha256:eb9bc5299e8eafdf4015eb16ebe24212310eb8b1c7e4dadc3a1875de235c3639
    paragraph_quote: (b) Disclosure statement. (1) The Federal Financial Institutions Examination Council
      (FFIEC) will make available a disclosure statement based on the data each financial institution
      submits for the preceding calendar year pursuant to paragraph (a)(1)(i) of this section. (2) No
      later than three business days after receiving notice from the FFIEC that a financial institution
      's disclosure statement is available, the financial institution shall make available to the public
      upon request at its home office, and each branch office physically located in each MSA and each
      MD, a written notice that clearly conveys that the institution's disclosure statement may be obtained
      on the Bureau's Web site at www.consumerfinance.gov/hmda .
    drafter_attestation: Verbatim subsection of 12 CFR §1003.5 from Cornell LII snapshot 3f79dc3b499de93a;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.5-c
  canonical_id: hmda-12cfr-1003.5-c
  section: 12 CFR §1003.5(c)
  description: '(c): (c) Modified loan/application register. (1) A financial institution shall make available
    to the public upon request at its home office, and each branch office physically located in each MSA
    and each MD, a written notice that clearly conveys that the institution''s loan/application register
    , as modif…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.5(a)(1)(i)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.5
    snapshot_id: 3f79dc3b499de93a
    fetched_at: '2026-05-22T11:32:35Z'
    content_hash: sha256:eb9bc5299e8eafdf4015eb16ebe24212310eb8b1c7e4dadc3a1875de235c3639
    paragraph_quote: (c) Modified loan/application register. (1) A financial institution shall make available
      to the public upon request at its home office, and each branch office physically located in each
      MSA and each MD, a written notice that clearly conveys that the institution's loan/application register
      , as modified by the Bureau to protect applicant and borrower privacy, may be obtained on the Bureau's
      Web site at www.consumerfinance.gov/hmda . (2) A financial institution shall make available the
      notice required by paragraph (c)(1) of this section following the calendar year for which the data
      are collected.
    drafter_attestation: Verbatim subsection of 12 CFR §1003.5 from Cornell LII snapshot 3f79dc3b499de93a;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.5-d
  canonical_id: hmda-12cfr-1003.5-d
  section: 12 CFR §1003.5(d)
  description: '(d): (d) Availability of written notices. (1) A financial institution shall make the notice
    required by paragraph (c) of this section available to the public for a period of three years and
    the notice required by paragraph (b)(2) of this section available to the public for a period of five
    years. An inst…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.5(a)(1)(i)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.5
    snapshot_id: 3f79dc3b499de93a
    fetched_at: '2026-05-22T11:32:35Z'
    content_hash: sha256:eb9bc5299e8eafdf4015eb16ebe24212310eb8b1c7e4dadc3a1875de235c3639
    paragraph_quote: (d) Availability of written notices. (1) A financial institution shall make the notice
      required by paragraph (c) of this section available to the public for a period of three years and
      the notice required by paragraph (b)(2) of this section available to the public for a period of
      five years. An institution shall make these notices available during the hours the office is normally
      open to the public for business. (2) A financial institution may make available to the public, at
      its discretion and in addition to the written notices required by paragraphs (b)(2) or (c)(1) of
      this section, as applicable, its disclosure statement or its loan/application register , as modified
      by the Bureau to protect applicant and borrower privacy. A financial institution may impose a reasonable
      fee for any cost incurred in providing or reproducing these data.
    drafter_attestation: Verbatim subsection of 12 CFR §1003.5 from Cornell LII snapshot 3f79dc3b499de93a;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.5-e
  canonical_id: hmda-12cfr-1003.5-e
  section: 12 CFR §1003.5(e)
  description: '(e): (e) Posted notice of availability of data. A financial institution shall post a general
    notice about the availability of its HMDA data in the lobby of its home office and of each branch
    office physically located in each MSA and each MD. This notice must clearly convey that the institution''s
    HMDA dat…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.5(a)(1)(i)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.5
    snapshot_id: 3f79dc3b499de93a
    fetched_at: '2026-05-22T11:32:35Z'
    content_hash: sha256:eb9bc5299e8eafdf4015eb16ebe24212310eb8b1c7e4dadc3a1875de235c3639
    paragraph_quote: (e) Posted notice of availability of data. A financial institution shall post a general
      notice about the availability of its HMDA data in the lobby of its home office and of each branch
      office physically located in each MSA and each MD. This notice must clearly convey that the institution's
      HMDA data is available on the Bureau's Web site at www.consumerfinance.gov/hmda .
    drafter_attestation: Verbatim subsection of 12 CFR §1003.5 from Cornell LII snapshot 3f79dc3b499de93a;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.5-f
  canonical_id: hmda-12cfr-1003.5-f
  section: 12 CFR §1003.5(f)
  description: '(f): (f) Aggregated data. Using data submitted by financial institutions pursuant to paragraph
    (a)(1)(i) of this section, the FFIEC will make available aggregate data for each MSA and MD, showing
    lending patterns by property location, age of housing stock, and income level, sex, ethnicity, and
    race. [ 80…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.5(a)(1)(i)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.5
    snapshot_id: 3f79dc3b499de93a
    fetched_at: '2026-05-22T11:32:35Z'
    content_hash: sha256:eb9bc5299e8eafdf4015eb16ebe24212310eb8b1c7e4dadc3a1875de235c3639
    paragraph_quote: (f) Aggregated data. Using data submitted by financial institutions pursuant to paragraph
      (a)(1)(i) of this section, the FFIEC will make available aggregate data for each MSA and MD, showing
      lending patterns by property location, age of housing stock, and income level, sex, ethnicity, and
      race. [ 80 FR 66312 , Oct. 28, 2015, as amended at 80 FR 66313 , Oct. 28, 2015; 82 FR 43145 , Sept.
      13, 2017] Consumer Financial Protection Act of 2010 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 §1003.5 from Cornell LII snapshot 3f79dc3b499de93a;
      body isolated between nav and notes; substring-verified.
  judgment: false
