Which agency enforces HMDA?

• A. Consumer Financial Protection Bureau (CFPB)
• B. Federal Trade Commission (FTC)
• C. Office of the Comptroller of the Currency (OCC)
• D. Securities and Exchange Commission (SEC)

Answer: (A)

HMDA enforcement is handled by the Consumer Financial Protection Bureau because it oversees compliance with consumer financial protection laws, including mortgage disclosure requirements. The CFPB has the authority to issue HMDA rules, supervise lenders for proper HMDA reporting, and take enforcement action for violations. While data collection and supervision may involve other regulators for certain institutions, the CFPB is the primary agency associated with enforcing HMDA. The other agencies listed do not oversee HMDA enforcement in general: the FTC handles broader consumer protection, the OCC regulates national banks, and the SEC deals with securities.