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Modernization of Home Home Loan Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB will think about, as appropriate and constant with appropriate law, proposing modifications to Policy C to raise the property threshold for exemption from HMDA data collection and reporting requirements for smaller sized banks, to omit queries from the scope of HMDA, and to guarantee that disclosures secure personal privacy and reduce concerns, including insufficiently tailored, pricey, and complex software application and training needed for reporting monetary institutions.

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4. Capital and Liquidity Alignment. (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 Finance Agency (FHFA) shall think about, as proper and constant with suitable law: (i) modifying capital policies, consistent with appropriate risk-management requirements, to customize risk weights for all banks, including community banks and other smaller banks, for portfolio home loans, maintenance rights, and warehouse lines of credit to the material credit risk of the direct exposure; (ii) improving security valuation and transfer systems in between the Federal Reserve and Federal Home Mortgage Banks (FHLBs); (iii) expanding access to longerdated FHLB advances tied to property mortgage properties; (iv) producing targeted FHLB liquidity programs for entrylevel housing, owneroccupied purchase loans, and small property builders; (v) speeding up collateral boarding and appraisal procedures through standardized information and digital documents; and (vi) refocusing the FHLBs' Inexpensive Housing Program on faster-cycle execution and higher monetary take advantage of for small and owner-occupied housing jobs.

(c) Within 120 days of the date of this order, the Director of the FHFA, in assessment with the heads of other appropriate executive departments and companies, will send a report to the Assistant to the President for Economic Policy and the Director of the Workplace of Management and Spending plan on the efficiency of nationwide housing financing markets.

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Building and Housing Supply. (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, shall think about, as suitable and constant with suitable law, modifying supervisory guidance both to exclude one-to four-family domestic development and construction lending from commercial genuine estate concentration guidance and to guarantee supervisory expectations support accountable building lending by community banks.

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6. Appraisal Modernization. (a) The Vice Chairman for Guidance 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 will think about, as suitable and constant with applicable law and their statutory authorities: (i) updating appraisal regulations and assistance to expand using alternative appraisal models, desktop and hybrid appraisals, and expert system evaluation tools; (ii) simplifying appraiser credentials requirements; and (iii) decreasing appraisal requirements for low-risk transactions, including low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

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

8. Maintenance 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) lining up supervisory expectations to support portfolio home loan maintenance as a core community banking function; extending curefirst requirements to goodfaith servicing mistakes; simplifying loss mitigation requirements; and providing a proposed rule providing exemptions from intricate home mortgage services for smaller sized banks; and (ii) ensuring that supervisory examinations of carrying out, wisely underwritten portfolio loans do not concentrate on technical defects or depend on evolving supervisory analyses.

9. Enforcement. (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 suitable and constant with suitable law, promulgating a policy against enforcement actions for violations of customer financial laws that: (i) discourages enforcing civil monetary penalties, except where the underlying offenses are willful, knowing, or reckless; (ii) considers great corporate conduct, including a bank's correction of good-faith, technical compliance mistakes; and (iii) permits institutions a reasonable chance for self-identification and removal of appropriate compliance matters.