Fair Housing
Which federal law requires lenders and mortgage companies to report loan application data by race, ethnicity, income, and geography?
ACommunity Reinvestment Act
BHome Mortgage Disclosure Act (HMDA)✓ Correct
CFair Housing Act
DEqual Credit Opportunity Act
Explanation
The Home Mortgage Disclosure Act (HMDA) requires covered lenders to collect and report mortgage application data including race, ethnicity, sex, income, and loan location. This data is publicly available and used to detect lending discrimination patterns including redlining in Pennsylvania communities.
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