Fair Lending Compliance Resources

These resources provide guidance on how to comply with fair lending laws.

NCUA Fair Lending Guide

This guide is intended for use by a credit union’s board of directors and management, compliance officers, and others having responsibility for fair lending compliance as part of their duties.

Fair Lending Compliance Program

NCUA Regulatory Alerts

NCUA Webinars

Equal Credit Opportunity Act (ECOA)

• CFPB Transaction Coverage Under the ECOA Valuations Rule Fact Sheet (Released April 29, 2020);
• CFPB Delivery of Appraisals (Released April 29, 2020);
• CFPB ECOA Valuations Rule FAQ (Issued April 29, 2020);

Home Mortgage Disclosure Act (HMDA)

On April 16, 2010, the CFPB issued a final rule amending Regulation C (Home Mortgage Disclosure Act) adjusting the thresholds for closed-end mortgage loans and open-end lines of credit. To assist financial institutions, including credit unions, the CFPB has posted the following documents:

• HMDA Filing Instruction Guide for HMDA Data Collected in 2021
• HMDA Rule Key Dates Times 2020-2022;
• HMDA institution coverage chart, effective July 1, 2020, through Dec. 31, 2021;
• HMDA institutional coverage chart, effective Jan. 1, 2022;
• HMDA transactional coverage chart, effective July 1, 2020, through Dec. 31, 2021; and
• HMDA transactional coverage chart, effective Jan. 1, 2022.