Home Mortgage Disclosure Act (HMDA), Loan Application Register Data, 1991

<p>The Home Mortgage Disclosure Act (HMDA), enacted by Congress in 1975, is implemented by the Federal Reserve Board's Regulation C (12 CFR Part 203). HMDA was made permanent in February 1988, and was expanded in August 1989 to require additional data to be reported about applications received and about applicant and borrower characteristics. HMDA makes available to the public information that helps to show whether financial institutions are serving the housing credit needs of their neighborhoods and communities. It also helps government officials make public sector investments and indicates to private investors the neighborhoods where their efforts are needed. In addition, HMDA data help identify possible discriminatory lending patterns and assist regulatory agencies in enforcing compliance with anti-discrimination statutes.</p>

《住房抵押贷款披露法案》（Home Mortgage Disclosure Act，HMDA）由美国国会于1975年通过，由美联储理事会的C号条例（12 CFR Part 203）负责实施。1988年2月，该法案被正式确立为永久性法规；1989年8月，法案经修订得到扩充，要求报送更多关于已受理贷款申请、申请人及借款人特征的相关数据。HMDA面向公众披露相关信息，以帮助社会各界了解金融机构是否切实满足其所在邻里与社区的住房信贷需求。同时，该法案的数据成果既可辅助政府官员开展公共领域投资决策，也能向私人投资者指明亟需投入资源的社区区域。此外，HMDA相关数据还有助于识别潜在的歧视性放贷模式，并协助监管机构落实反歧视相关法规的合规执法工作。