Home Mortgage Disclosure (HMDA)

OMB Control No: 3064-0046	ICR Reference No: 202602-3064-003
Status: Received in OIRA	Previous ICR Reference No: 202207-3064-005
Agency/Subagency: FDIC	Agency Tracking No:
Title: Home Mortgage Disclosure (HMDA)
Type of Information Collection: Revision of a currently approved collection	Common Form ICR:  No
Type of Review Request: Regular	Date Submitted to OIRA: 02/19/2026

	Requested	Previously Approved
Expiration Date	36 Months From Approved	04/30/2026
Responses	631,825	1,113,082
Time Burden (Hours)	329,347	589,280
Cost Burden (Dollars)	0	0

---

Abstract: In order to permit the FDIC to detect discrimination in residential mortgage lending, certain insured state nonmember banks are required by FDIC regulation 12 CFR 388 to maintain various data on home loan applicants.

---

Authorizing Statute(s): US Code: 12 USC § 5301 et seq. Name of Law: Dodd Frank Act    US Code: 12 USC § 2801 et seq. Name of Law: Home Mortgage Disclosure Act

Citations for New Statutory Requirements: US Code: 12 USC 5301 et seq. Name of Law: Dodd-Frank Wall Street Reform And Consumer Protection Act US Code: 12 USC 2801 et seq. Name of Law: Home Mortgage Discosure Act

---

Associated Rulemaking Information
RIN:	Stage of Rulemaking:	Federal Register Citation:	Date:
	Not associated with rulemaking

---

Federal Register Notices & Comments
60-day Notice:	Federal Register Citation:	Citation Date:
	90 FR 57049	12/09/2025
30-day Notice:	Federal Register Citation:	Citation Date:
	91 FR 7284	02/17/2026
Did the Agency receive public comments on this ICR? No

---

Number of Information Collection (IC) in this ICR: 10

IC Title Form No. Form Name General notice of availability of HMDA data in lobby of home office and each office located in a MSA Home Mortgage Disclosure (HMDA) (Full Data Set) Home Mortgage Disclosure (HMDA) (Partial Data Set) Make the FFIEC disclosure statement and/or modified LAR available to the public directly through the institution (12 CFR Part 1003.5(d)(2)) Make the written notices available. Provide written notice upon request that the FFIEC disclosure statement is available on the CFPB's website Provide written notice upon request that the institution's modified LAR is available on the CFPB's website Record LAR data within 30 days after the end of the calendar quarter in which final action is taken (Existing reporters) Record LAR data within 30 days after the end of the calendar quarter in which final action is taken (New reporters) Retain copy of LAR for at least three years

---

ICR Summary of Burden

	Total Request	Previously Approved	Change Due to New Statute	Change Due to Agency Discretion	Change Due to Adjustment in Estimate	Change Due to Potential Violation of the PRA
Annual Number of Responses	631,825	1,113,082	0	0	-481,257	0
Annual Time Burden (Hours)	329,347	589,280	0	0	-259,933	0
Annual Cost Burden (Dollars)	0	0	0	0	0	0

Burden increases because of Program Change due to Agency Discretion: No

Burden Increase Due to:

Burden decreases because of Program Change due to Agency Discretion: No

Burden Reduction Due to:

Short Statement:

---

Annual Cost to Federal Government: $0

Does this IC contain surveys, censuses, or employ statistical methods? No

Does this ICR request any personally identifiable information (see OMB Circular No. A-130 for an explanation of this term)? Please consult with your agency's privacy program when making this determination.     No

Does this ICR include a form that requires a Privacy Act Statement (see 5 U.S.C. §552a(e)(3))? Please consult with your agency's privacy program when making this determination.     No

Is this ICR related to the Affordable Care Act [Pub. L. 111-148 & 111-152]? No

Is this ICR related to the Dodd-Frank Wall Street Reform and Consumer Protection Act, [Pub. L. 111-203]? No

Is this ICR related to the American Recovery and Reinvestment Act of 2009 (ARRA)? No

Is this ICR related to the Pandemic Response? No

Agency Contact: Robert Meiers 571 645-3062 [email protected]

---

Common Form ICR:  No

---

On behalf of this Federal agency, I certify that the collection of information encompassed by this request complies with 5 CFR 1320.9 and the related provisions of 5 CFR 1320.8(b)(3).
The following is a summary of the topics, regarding the proposed collection of information, that the certification covers:
		(a) It is necessary for the proper performance of agency functions;
		(b) It avoids unnecessary duplication;
		(c) It reduces burden on small entities;
		(d) It uses plain, coherent, and unambiguous language that is understandable to respondents;
		(e) Its implementation will be consistent and compatible with current reporting and recordkeeping practices;
		(f) It indicates the retention periods for recordkeeping requirements;
		(g) It informs respondents of the information called for under 5 CFR 1320.8 (b)(3) about:
			(i) Why the information is being collected;
			(ii) Use of information;
			(iii) Burden estimate;
			(iv) Nature of response (voluntary, required for a benefit, or mandatory);
			(v) Nature and extent of confidentiality; and
			(vi) Need to display currently valid OMB control number;
		(h) It was developed by an office that has planned and allocated resources for the efficient and effective management and use of the information to be collected.
		(i) It uses effective and efficient statistical survey methodology (if applicable); and
		(j) It makes appropriate use of information technology.
If you are unable to certify compliance with any of these provisions, identify the item by leaving the box unchecked and explain the reason in the Supporting Statement.
Certification Date: 02/19/2026

---