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Effective date for CRA regs amendments


The Board of Governors of the Federal Reserve System, the Federal Deposit Insurance Corporation and the Office of the Comptroller of the Currency have announced they have approved a joint final rule amending their respective Community Reinvestment Act (CRA) regulations primarily to conform to changes made by the Consumer Financial Protection Bureau (CFPB) to Regulation C, which implements the Home Mortgage Disclosure Act (HMDA). In particular, the agencies have amended their CRA regulations to revise the definitions of "home mortgage loan" and "consumer loan," as well as the public file content requirements. These revisions, which will be effective January 1, 2018, are being made to maintain consistency between the CRA regulations and amendments to Regulation C, which generally become effective on the same date. In addition, the final rule contains technical corrections and removes obsolete references to the Neighborhood Stabilization Program.

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