Home Mortgage Disclosure Act
E82914
The Home Mortgage Disclosure Act is a U.S. federal law that requires financial institutions to publicly report data on home mortgage lending to help identify discriminatory lending patterns and ensure fair access to credit.
All labels observed (3)
| Label | Occurrences |
|---|---|
| Home Mortgage Disclosure Act canonical | 5 |
| HMDA | 1 |
| Home Mortgage Disclosure Act of 1975 | 1 |
How this entity was disambiguated
This entity first appeared as the object of triple T661761 — resolving that mention is where its identity was fixed. The disambiguator weighed these candidate entities and picked the highlighted one (or “None”, minting a new entity). This is how homonymy is resolved: the same surface form can point to different entities.
NED1
Entity disambiguation (via context triple)
gpt-5-mini-2025-08-07
Target entity: Home Mortgage Disclosure Act Context triple: [Community Reinvestment Act, relatedTo, Home Mortgage Disclosure Act]
-
A.
Regulation Z
Regulation Z is a key U.S. federal rule implementing the Truth in Lending Act, requiring clear disclosure of credit terms and costs to protect consumers in credit transactions.
-
B.
Federal Housing Enterprises Financial Safety and Soundness Act of 1992
The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 is a U.S. law that established a regulatory framework and oversight standards for government-sponsored housing enterprises such as Fannie Mae and Freddie Mac to ensure their financial safety and stability.
-
C.
Community Reinvestment Act
The Community Reinvestment Act is a U.S. federal law enacted in 1977 that encourages banks to help meet the credit needs of the communities in which they operate, particularly low- and moderate-income neighborhoods.
-
D.
Fair Housing Amendments Act of 1988
The Fair Housing Amendments Act of 1988 is a U.S. federal law that strengthened and broadened fair housing protections, notably adding safeguards for people with disabilities and families with children and enhancing enforcement mechanisms.
-
E.
Home Owners' Loan Act of 1933
The Home Owners' Loan Act of 1933 was a New Deal-era U.S. federal law that created mechanisms to refinance home mortgages and prevent foreclosures during the Great Depression.
- F. None of above. chosen
- G. Unsure - the case is ambiguous/there is not enough information to decide.
NED2
Entity disambiguation (via description)
gpt-5-mini-2025-08-07
Target entity: Home Mortgage Disclosure Act Target entity description: The Home Mortgage Disclosure Act is a U.S. federal law that requires financial institutions to publicly report data on home mortgage lending to help identify discriminatory lending patterns and ensure fair access to credit.
-
A.
Regulation Z
Regulation Z is a key U.S. federal rule implementing the Truth in Lending Act, requiring clear disclosure of credit terms and costs to protect consumers in credit transactions.
-
B.
Federal Housing Enterprises Financial Safety and Soundness Act of 1992
The Federal Housing Enterprises Financial Safety and Soundness Act of 1992 is a U.S. law that established a regulatory framework and oversight standards for government-sponsored housing enterprises such as Fannie Mae and Freddie Mac to ensure their financial safety and stability.
-
C.
Community Reinvestment Act
The Community Reinvestment Act is a U.S. federal law enacted in 1977 that encourages banks to help meet the credit needs of the communities in which they operate, particularly low- and moderate-income neighborhoods.
-
D.
Fair Housing Amendments Act of 1988
The Fair Housing Amendments Act of 1988 is a U.S. federal law that strengthened and broadened fair housing protections, notably adding safeguards for people with disabilities and families with children and enhancing enforcement mechanisms.
-
E.
Home Owners' Loan Act of 1933
The Home Owners' Loan Act of 1933 was a New Deal-era U.S. federal law that created mechanisms to refinance home mortgages and prevent foreclosures during the Great Depression.
- F. None of above. chosen
Statements (59)
| Predicate | Object |
|---|---|
| instanceOf |
United States federal law
ⓘ
consumer protection law ⓘ fair lending law ⓘ |
| abbreviation |
HMDA
ⓘ
linked to:
Home Mortgage Disclosure Act
|
| administeredBy |
Consumer Financial Protection Bureau
ⓘ
Federal Financial Institutions Examination Council ⓘ |
| amendedBy |
Dodd–Frank Wall Street Reform and Consumer Protection Act
ⓘ
Financial Institutions Reform, Recovery, and Enforcement Act of 1989 ⓘ Housing and Community Development Act of 1992 ⓘ |
| appliesTo |
banks
ⓘ
certain for-profit mortgage companies ⓘ credit unions ⓘ depository institutions ⓘ nondepository mortgage lenders ⓘ savings associations ⓘ |
| codifiedIn | 12 U.S.C. §§ 2801–2810 ⓘ |
| country |
United States
ⓘ
linked to:
United States of America
|
| dataAvailability | publicly available loan-level data with certain fields modified or excluded for privacy ⓘ |
| dataFieldsInclude |
action taken on the application
ⓘ
applicant ethnicity ⓘ applicant income ⓘ applicant race ⓘ applicant sex ⓘ loan amount ⓘ loan purpose ⓘ loan type ⓘ owner-occupancy status ⓘ property location ⓘ rate spread and pricing information (for certain loans) ⓘ |
| dataPublishedBy |
Consumer Financial Protection Bureau
ⓘ
Federal Financial Institutions Examination Council ⓘ |
| enactedBy | United States Congress ⓘ |
| enforcementMechanism |
administrative sanctions for noncompliance
ⓘ
supervisory examinations by federal banking agencies ⓘ |
| implementedBy | 12 CFR Part 1003 ⓘ |
| implementedByRegulation | Regulation C ⓘ |
| jurisdiction | federal ⓘ |
| originalEnactmentYear | 1975 ⓘ |
| policyGoal |
detection of redlining and other discriminatory practices
ⓘ
transparency in mortgage lending markets ⓘ |
| publicLawNumber | Public Law 94-200 ⓘ |
| purpose |
to assist in distributing public-sector investments in a manner designed to improve the private investment environment
ⓘ
to ensure fair access to credit for housing ⓘ to identify possible discriminatory lending patterns and enforce fair lending laws ⓘ to provide the public with loan data that can be used to help determine whether financial institutions are serving the housing needs of their communities ⓘ |
| relatedTo |
Community Reinvestment Act
ⓘ
Equal Credit Opportunity Act ⓘ Fair Housing Act ⓘ
linked to:
Fair Housing Act of 1968
|
| requires |
financial institutions to collect data on home mortgage applications and originations
ⓘ
financial institutions to report mortgage data to regulators ⓘ public disclosure of certain mortgage lending data ⓘ |
| usedBy |
community organizations
ⓘ
federal regulators ⓘ researchers ⓘ state regulators ⓘ the general public ⓘ |
| usedFor |
community reinvestment analysis
ⓘ
monitoring compliance with the Equal Credit Opportunity Act ⓘ monitoring compliance with the Fair Housing Act ⓘ |
How these facts were elicited
The pipeline generated the facts above by prompting gpt-5.1 with this entity's name + description and the instruction below.
Instruction
You are a knowledge base construction expert. Given a subject entity and a description of it, return factual statements that you know for the subject as a JSON list of dictionaries(triples), where keys must be "subject", "predicate" and "object". The number of facts may be very high, between 25 to 50 or more, for very popular subjects. For less popular subjects, the number of facts can be very low, like 5 or 10. # Requirements - If you don't know the subject at all, return an empty list. - If the subject is not a named entity, return an empty list. - Include at least one triple where predicate is "instanceOf". - Do not get too wordy. - Separate several objects into multiple triples with one object.
Input
Subject: Home Mortgage Disclosure Act Description of subject: The Home Mortgage Disclosure Act is a U.S. federal law that requires financial institutions to publicly report data on home mortgage lending to help identify discriminatory lending patterns and ensure fair access to credit.
Referenced by (7)
Full triples — surface form annotated when it differs from this entity's canonical label.
linked to: Home Mortgage Disclosure Act
linked to: Home Mortgage Disclosure Act