The Consumer Federation of America, along with other consumer and civil rights groups oppose the proposed changes to the Home Mortgage Disclosure Act (HMDA). The HMDA has been a critical source of information about mortgage lending since its enactment in 1975, along with major improvements in 1989 and in the Dodd-Frank Act in 2010. The proposed changes will reduce the data’s coverage; leave many lenders outside of the reported data; and make the remaining observations less robust and reliable.