# Home Mortgage Disclosure
> **US Federal Reserve System** · Final rule; staff commentary. · Published 2004-12-27 · Effective 2005-01-01 · 69 FR 77139
## Document
- **Document number:** 04-28215
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 69 FR 77139
- **CFR reference:** 12 CFR 203
- **Publication date:** 2004-12-27
- **Effective date:** 2005-01-01
- **Docket:** Regulation C
## Abstract

The Board is publishing a final rule amending the staff commentary that interprets the requirements of Regulation C (Home Mortgage Disclosure). The staff commentary is amended to increase the asset-size exemption threshold for depository institutions based on the annual percentage change in the Consumer Price Index for Urban Wage Earners and Clerical Workers. The adjustment from $33 million to $34 million reflects the increase of that index by 2.45 percent during the twelve-month period ending in November 2004. Thus, depository institutions with assets of $34 million or less as of December 31, 2004, are exempt from data collection in 2005.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2004/12/27/04-28215/home-mortgage-disclosure)
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