消费者金融保护局（CFPB）：公平贷款和住房抵押贷款披露法案（HMDA）在保护美国消费者方面的作用（英文版）（45页）.pdf

1、Fair Lending at the CFPB and the Role of the Home Mortgage Disclosure Act (HMDA) in Protecting Americas Consumers Consumer Financial Protection Week| July 2020Disclaimers This presentation is being made by Consumer Financial Protection Bureau representatives on behalf of the Bureau. It does not cons

2、titute legal interpretation, guidance, or advice of the Bureau. Any opinions or views stated by the presenter are the presenters own and may not represent the Bureaus views. Note: This document was used in support of a live discussion. As such, it does not necessarily express the entirety of that di

3、scussion nor the relative emphasis of topics therein.2Opening Remarks from Director Kraninger3The Home Mortgage Disclosure Act (HMDA) plays an important role in protecting Americas consumers.The CFPB takes seriously its obligations to enforce HMDA and holds mortgage lenders accountable for failing t

4、o comply with the law.HMDA data are used for a variety of purposes including to assess housing needs, public investment, and possible discrimination under numerous federal and state laws, as well as general market and economic monitoring.Patrice FicklinFair Lending DirectorAbby HoganResearch Analyst

5、The Office of Fair Lending and Equal Opportunity:Todays Presenters4Tim LambertSenior CounselStructureOffice of the DirectorOffice of Equal Opportunity and FairnessOffice of Fair Lending and Equal OpportunityThe Dodd-Frank ActSec. 1013 (c) Office of Fair Lending and Equal Opportunity.-(1) Establishme

6、nt.-The Director shall establish within the Bureau the Office of Fair Lending and Equal Opportunity.(2) Functions.-The Office of Fair Lending and Equal Opportunity shall have such powers and duties as the Director may delegate to the Office, including-(A) providing oversight and enforcement of Feder