Fair Housing Home Loan Data System

Document 2026-04276 is a Final Rule published by the Department of the Treasury in the Federal Register on March 4, 2026, with an effective date of April 3, 2026. The Office of the Comptroller of the Currency (OCC) is rescinding its Fair Housing Home Loan Data System regulation. The OCC has determined that the regulation is obsolete and largely duplicative of and inconsistent with other legal authorities that require national banks to collect and retain certain information on applications for home loans. Moreover, it imposed asymmetrical data collection requirements on national banks compared to their other depository institution counterparts, and the data collected had limited utility. For these reasons, rescinding the regulation eliminates the regulatory burden for national banks without having a material impact on the availability of data necessary for the OCC to conduct its fair housing- related supervisory activities. View the original at https://www.federalregister.gov/documents/2026/03/04/2026-04276/fair-housing-home-loan-data-system.

No. Document 2026-04276 is not classified as economically significant under Executive Order 12866. Economically significant rules require OIRA review and are estimated to have impacts of $100 million or more per year.