# Home Mortgage Disclosure
> **US Federal Reserve System** · Final rule; staff commentary. · Published 2010-12-23 · Effective 2011-01-01 · 75 FR 80675
## Document
- **Document number:** 2010-32210
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 75 FR 80675
- **CFR reference:** 12 CFR 203
- **Publication date:** 2010-12-23
- **Effective date:** 2011-01-01
- **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 (CPIW). The adjustment from $39 million to $40 million reflects the increase of that index by 2.21 percent during the twelve-month period ending in November 2010. Thus, depository institutions with assets of $40 million or less as of December 31, 2010 are exempt from collecting data in 2011.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2010/12/23/2010-32210/home-mortgage-disclosure)
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