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Modernization of Home Home Loan Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB shall think about, as appropriate and constant with applicable law, proposing modifications to Regulation C to raise the possession threshold for exemption from HMDA information collection and reporting requirements for smaller banks, to leave out questions from the scope of HMDA, and to make sure that disclosures safeguard personal privacy and decrease burdens, including insufficiently customized, expensive, and complex software application and training needed for reporting monetary institutions.

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4. Capital and Liquidity Positioning. (a) The Vice Chairman for Guidance of the Federal Reserve, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, the Comptroller of the Currency, and the Director of the Federal Real Estate Financing Company (FHFA) shall consider, as suitable and consistent with appropriate law: (i) modifying capital policies, consistent with appropriate risk-management requirements, to tailor risk weights for all banks, consisting of community banks and other smaller banks, for portfolio home loans, servicing rights, and storage facility lines of credit to the product credit danger of the direct exposure; (ii) updating security valuation and transfer systems in between the Federal Reserve and Federal Mortgage Banks (FHLBs); (iii) expanding access to longerdated FHLB advances connected to domestic mortgage possessions; (iv) developing targeted FHLB liquidity programs for entrylevel real estate, owneroccupied purchase loans, and little domestic builders; (v) speeding up security boarding and valuation procedures through standardized information and digital documentation; and (vi) refocusing the FHLBs' Budget Friendly Housing Program on faster-cycle execution and higher financial leverage for small and owner-occupied real estate projects.

(c) Within 120 days of the date of this order, the Director of the FHFA, in consultation with the heads of other appropriate executive departments and agencies, shall submit a report to the Assistant to the President for Economic Policy and the Director of the Workplace of Management and Spending plan on the effectiveness of national housing finance markets.

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Construction and Housing Supply. (a) The Vice Chairman for Supervision of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, and the Comptroller of the Currency, shall think about, as appropriate and consistent with applicable law, modifying supervisory guidance both to leave out one-to four-family property development and construction loaning from industrial real estate concentration assistance and to guarantee supervisory expectations support accountable building loaning by neighborhood banks.

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6. Appraisal Modernization. (a) The Vice Chairman for Supervision of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of Board of Directors of the FDIC, the Comptroller of the Currency, and the Director of the FHFA shall think about, as appropriate and constant with applicable law and their statutory authorities: (i) updating appraisal regulations and guidance to broaden using alternative valuation models, desktop and hybrid appraisals, and artificial intelligence valuation tools; (ii) simplifying appraiser certification requirements; and (iii) minimizing appraisal requirements for low-risk transactions, including low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Sec. 7. Digital Home Loan Modernization. (a) The Secretary of Farming, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA shall consider, as suitable and consistent with relevant law: (i) eliminating unnecessary wetsignature requirements for disclosures, applications, closing documents, and similar documents; (ii) standardizing acceptance of electronic signatures, e-notes, and remote online notarization; and (iii) promoting digital home mortgage standards.

8. Servicing and Supervisory Certainty. (a) The Secretary of HUD, the Vice Chairman for Supervision of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, and the Comptroller of the Currency shall think about, as proper and constant with appropriate law: (i) aligning supervisory expectations to support portfolio mortgage servicing as a core community banking function; extending curefirst requirements to goodfaith servicing errors; simplifying loss mitigation requirements; and releasing a proposed guideline supplying exemptions from complicated mortgage services for smaller banks; and (ii) guaranteeing that supervisory evaluations of carrying out, wisely underwritten portfolio loans do not concentrate on technical flaws or rely on progressing supervisory interpretations.

9. Enforcement. (a) The Vice Chairman for Guidance of the Federal Reserve, the Director of the CFPB, the Chairman of the NCUA Board, the Chairperson of the Board of Directors of the FDIC, and the Comptroller of the Currency will consider, as suitable and consistent with appropriate law, promoting a policy against enforcement actions for offenses of customer monetary laws that: (i) prevents imposing civil financial penalties, except where the underlying offenses are willful, knowing, or negligent; (ii) thinks about great business conduct, consisting of a bank's correction of good-faith, technical compliance mistakes; and (iii) allows organizations an affordable chance for self-identification and remediation of proper compliance matters.