Rescission of 12 CFR 27, ‘Fair Housing Home Loan Data System’: Final Rule

Summary

The Office of the Comptroller of the Currency (OCC) is issuing a final rule rescinding 12 CFR 27, “Fair Housing Home Loan Data System.” In connection with the OCC’s ongoing efforts to tailor bank supervision and regulation to bank risk profile, the OCC has reviewed 12 CFR 27 (part 27) and determined that rescinding the regulation will eliminate the regulatory burden attributable to part 27 for national banks without having a material impact on the OCC’s ability to conduct its fair housing–related supervisory activities.

The final rule will be effective 30 days after publication in the Federal Register.

Highlights

• The final rule rescinds and removes 12 CFR 27, “Fair Housing Home Loan Data System.”

Background

The final rule, originally published as a proposal in the November 18, 2025, Federal Register and finalized as proposed, is a part of the OCC’s ongoing efforts to tailor bank supervision and regulation to bank risk profile. Part 27 was 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, part 27 imposed asymmetrical data collection requirements on national banks compared with their other depository institution counterparts, and the data collected had limited utility.

For these reasons, the final rule rescinds the regulation and eliminates the regulatory burden attributable to part 27 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.

Further Information

Please contact Elizabeth Small, Counsel, Chief Counsel’s Office, at (202) 649-5490.

Adam J. Cohen
Senior Deputy Comptroller and Chief Counsel

Related Link

• Rescission of 12 CFR 27, ‘Fair Housing Home Loan Data System’: Final Rule (PDF)