# Home Mortgage Disclosure
> **US Federal Reserve System** · Final rule; staff commentary. · Published 2009-12-28 · Effective 2010-01-01 · 74 FR 68498
## Document
- **Document number:** E9-30603
- **Category:** final-rule
- **Agency:** US Federal Reserve System
- **Federal Register citation:** 74 FR 68498
- **CFR reference:** 12 CFR 203
- **Publication date:** 2009-12-28
- **Effective date:** 2010-01-01
- **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) to reflect no change in 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 exemption threshold remains $39 million. The CPIW decreased by 0.98 percent during the twelve-month period ending in November 2009, but this change is too small to warrant any reduction in the exemption threshold pursuant to Regulation C. Therefore, depository institutions with assets of $39 million or less as of December 31, 2009 are exempt from collecting data in 2010.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2009/12/28/E9-30603/home-mortgage-disclosure)
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