Enacted by Congress in 1975, the Home Mortgage Disclosure Act (HMDA) requires US banks, savings associations, credit unions, and other mortgage lending institutions to disclose their home mortgage and home improvement lending activity annually. Access to HMDA data with loan amounts by metropolitan area as well as the demographic make-up of applicants, is available at this Federal Financial Institutions Examination Council (FFIEC) page. Users can also search a database of FFIEC data depository locations with HMDA reports or obtain background information on HMDA history and the financial institutions it affects.
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