# Home Mortgage Disclosure
> **US Federal Reserve System** · Final rule; staff interpretation. · Published 2002-06-27 · Effective 2004-01-01 · 67 FR 43218
## Document
- **Document number:** 02-16191
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 67 FR 43218
- **CFR reference:** 12 CFR 203
- **Publication date:** 2002-06-27
- **Effective date:** 2004-01-01
- **Docket:** Regulation C
## Abstract

The Board is publishing amendments to Regulation C (Home Mortgage Disclosure). The amendments establish the thresholds for determining the loans for which financial institutions must report loan pricing data (the spread between the annual percentage rate on a loan and the yield on comparable Treasury securities) as required under a final rule approved in January 2002; the thresholds are a spread of 3 percentage points for first-lien loans and 5 percentage points for subordinate-lien loans. The amendments require lenders to report the lien status of a loan or application. The amendments also require that lenders ask applicants their ethnicity, race, and sex in applications taken by telephone; this monitoring requirement is made applicable as of January 1, 2003, through a rule published elsewhere in today's Federal Register.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2002/06/27/02-16191/home-mortgage-disclosure)
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