Rescission of Fair Housing Home Loan Data System Rule

OCC Bulletins

Published March 3rd, 2026

Detected March 13th, 2026

Summary

The Office of the Comptroller of the Currency (OCC) has issued a final rule rescinding 12 CFR 27, the 'Fair Housing Home Loan Data System' regulation. This action removes regulatory burden for national banks without impacting the OCC's fair housing supervisory activities.

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What changed

The Office of the Comptroller of the Currency (OCC) has finalized a rule to rescind 12 CFR 27, the 'Fair Housing Home Loan Data System.' This regulation, which applied to national banks and their subsidiaries, is deemed obsolete and duplicative of other legal requirements. The OCC determined that rescinding this rule will eliminate regulatory burden for national banks without materially affecting its ability to conduct fair housing supervisory activities.

This rescission means national banks are no longer required to comply with the specific data collection and retention requirements under Part 27. The rule becomes effective 30 days after publication in the Federal Register. No specific compliance deadline is mentioned beyond the effective date, and no penalties are associated with this rescission as it removes an existing obligation.

What to do next

Confirm cessation of data collection and reporting previously required under 12 CFR 27.
Update internal compliance policies and procedures to reflect the rescission of 12 CFR 27.

Source document (simplified)

OCC Bulletin 2026-5 | March 3, 2026

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

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Chief Executive Officers of All National Banks, Federal Savings Associations, and Federal Branches and Agencies; Department and Division Heads; All Examining Personnel; and Other Interested Parties

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.

Note for Community Banks

The rescinded part 27 applied to national banks and their subsidiaries.
The rescinded part 27 did not apply to federal savings associations.

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.