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On june 18, 2024, the consumer financial protection bureau (cfpb) filed a stipulated final judgment against freedom mortgage corporation (freedom) for alleged violations of the home mortgage disclosure act (hmda), regulation c, and the consumer financial protection act. The consumer financial protection bureau fined two institutions a combined total of $459,000 in civil penalties for violating the home mortgage disclosure act (hmda). (1) sections 702 (g) and 706 (a) and (b) of the act provide that any creditor that fails to comply with a requirement imposed by the act or this part is subject to civil liability for actual and punitive damages in individual or class actions.
Last week we answered all your most frequently asked questions about scrubbing home mortgage disclosure act (hmda) data Ensure accurate reporting to avoid costly consequences. This week we bring you a reminder that the consequences of failing to submit accurate hmda data are steep—in this case, $200,000.
Now that you understand the top five issues in the 2022 data, let’s talk about the issues in two of the three enforcement actions this year
Both institutions were cited for not properly capturing or reporting the ethnicity, race, and sex. Learn about common hmda data field errors, how to avoid them, and ensure compliance in 2024 to prevent penalties and resubmission. Cfpb fines bank $12 million for hmda reporting violations 30 nov 2023 the cfpb recently issued a consent order and a $12 million fine against a large national bank for failing to accurately collect and report hmda data. The ffiec has played a central role in implementing hmda since 1980 and it continues to do so today
In november 2023, the cfpb ordered bank of america to pay a $12 million penalty for routinely failing to ask mortgage applicants certain demographic questions as required by hmda Bank of america then falsely reported that the applicants had chosen not to respond. Potential liabilities for inaccurate hmda data include fines, penalties, and reputational risks, as recent cfpb actions have shown
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