AWACSMortgage compliance intelligence from Flightline

CFPB · Final rule; official interpretation FR Doc. 2026-00087 · Published

HMDA (Regulation C): 2026 asset-size exemption threshold raised to $59 million

The CFPB raises the Regulation C asset-size exemption threshold for banks, savings associations and credit unions from $58 million to $59 million for 2026 data collection, based on a 2.5 percent CPI-W increase. Institutions with assets of $59 million or less as of December 31, 2025 are exempt from collecting data in 2026, but must still report data they were required to collect in 2025.

Review recommendedEffective Jan 7, 2026All checks passedRead the interpretation ↗ (opens in a new tab)

Loan impact

From the interpretation text · verified

Applies to: Banks, savings associations and credit unions with assets of $59 million or less as of December 31, 2025 are exempt from HMDA data collection in 2026.

Exceptions
Exemption from 2026 collection does not affect responsibility to report data required to be collected in 2025
Effective
Jan 7, 2026
Applicability confidence
Verified: every row above is supported by the source text
Supporting quotes from the interpretation
  • exceptions“An institution’s exemption from collecting data in 2026 does not affect its responsibility to report data it was required to collect in 2025.”
  • guide sections“Pursuant to this final rule, comment 2(g)–2 in Regulation C, supplement I, is amended to update the exemption threshold.”

What changed

From the interpretation text · Section Supplement I to Part 1003, comment 2(g)–2
RequirementPreviouslyNow
HMDA asset-size exemption threshold for depository institutionsRelaxedPreviously: $58 million threshold for 2025$59 million threshold for 2026; institutions with assets at or below $59 million as of December 31, 2025 are exempt from collecting 2026 data

Also affected: Section comment 2(g)–2.

What to do

AWACS interpretation · not source language

What to review: Compliance may review whether the raised threshold, now $59 million for 2026 data collection and up from $58 million, exempts the institution from collecting 2026 data, keeping in mind that data required to be collected in 2025 must still be reported.

QC implications

  • Check that any institution relying on the exemption had assets of $59 million or less as of December 31, 2025 and is a bank, savings association or credit union.
  • Confirm that an institution's exemption from 2026 collection is not treated as relieving it of reporting data it was required to collect in 2025.

Source and record

Version 1 · archived

Checks passed

  • Schema valid
  • Effective quotes verbatim
  • Document ID appears in the source
  • Doc id matches catalog
  • Mandatory status is backed by requirement language
  • Mandatory entries have requirement language
  • Published on present
  • Title summary length
  • Controlled vocabulary
  • No placeholder tokens
  • Source link resolves
  • Loan impact quotes verbatim
  • Loan impact vocabulary
  • Changes quoted
  • Impact type consistent
  • Every required change is backed by obligation language
  • Only new or tightened changes are marked required
  • Loan impact covers every required change
  • Quotes are complete sentences
  • Unflagged must
  • Diff complete
  • Mandatory date resolved
  • Audience verbatim
  • Scope residential
  • Out of scope
  • Published in window
  • Interpretation schema valid
  • Interpretation separate