Home Mortgage Disclosure Act (HMDA), Loan Application Register Data, 1992

<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年颁布，由美联储理事会的C条例（《联邦法规汇编》第12编第203部分）负责实施。该法案于1988年2月被正式确立为永久性法规，并于1989年8月完成扩容修订，要求上报更多有关贷款申请、申请人及借款人特征的相关数据。HMDA向公众公开相关信息，用于展示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。该法案不仅可为政府官员开展公共领域投资提供决策依据，还能向私人投资者指明需要投入资源的社区区域。此外，HMDA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。