# Home Mortgage Disclosure
> **US Federal Reserve System** · Final rule. · Published 1995-05-04 · Effective 1995-05-01 · 60 FR 22223
## Document
- **Document number:** 95-10475
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 60 FR 22223
- **CFR reference:** 12 CFR 203
- **Publication date:** 1995-05-04
- **Effective date:** 1995-05-01
- **Docket:** Regulation C
## Abstract

The Board is publishing a final rule to amend Regulation C (Home Mortgage Disclosure) and the instructions that financial institutions [[Page 22224]] must use to comply with the annual reporting requirements under the regulation. The amendments conform Regulation C to reflect revisions adopted by the Board, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the Office of Thrift Supervision to their regulations implementing the Community Reinvestment Act (CRA). Under the joint CRA rule (published elsewhere in today's Federal Register), banks or savings associations that report data about their home mortgage lending pursuant to the Home Mortgage Disclosure Act (HMDA)--and that have assets of $250 million or more, or that are subsidiaries of a holding company with total banking and thrift assets of $1 billion or more-- will collect and report geographic information on loans and loan applications relating to property located outside the Metropolitan Statistical Areas (MSAs) in which the institution has a home or branch office, or outside any MSA. Currently, geographic identification is required only within MSAs where these lenders have a home or branch office. Data will be collected and reported in accordance with the instructions in Regulation C. The agencies believe that these data will provide geographic detail on home mortgage lending that will facilitate more complete CRA assessments for institutions that do not qualify as small banks or thrifts.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/1995/05/04/95-10475/home-mortgage-disclosure)
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