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Modernization of Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB shall consider, as suitable and consistent with relevant law, proposing changes to Policy C to raise the possession threshold for exemption from HMDA information collection and reporting requirements for smaller banks, to omit queries from the scope of HMDA, and to ensure that disclosures secure personal privacy and minimize burdens, including insufficiently tailored, pricey, and complex software and training required for reporting financial organizations.

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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 Housing Finance Firm (FHFA) shall consider, as suitable and constant with appropriate law: (i) modifying capital regulations, constant with suitable risk-management requirements, to tailor threat weights for all banks, consisting of community banks and other smaller sized banks, for portfolio mortgages, maintenance rights, and warehouse lines of credit to the material credit threat of the direct exposure; (ii) modernizing collateral evaluation and transfer systems between the Federal Reserve and Federal Home Mortgage Banks (FHLBs); (iii) broadening access to longerdated FHLB advances connected to property mortgage possessions; (iv) creating targeted FHLB liquidity programs for entrylevel housing, owneroccupied purchase loans, and little property builders; (v) speeding up security boarding and valuation procedures through standardized data and digital paperwork; and (vi) refocusing the FHLBs' Budget Friendly Real estate Program on faster-cycle execution and higher financial leverage for small and owner-occupied real estate jobs.

(c) Within 120 days of the date of this order, the Director of the FHFA, in assessment with the heads of other relevant executive departments and firms, will submit a report to the Assistant to the President for Economic Policy and the Director of the Office of Management and Budget plan on the performance of nationwide housing finance markets.

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Sec. 5. Building And Construction 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 appropriate and consistent with suitable law, revising supervisory guidance both to omit one-to four-family residential advancement and building and construction loaning from business realty concentration guidance and to guarantee supervisory expectations support accountable building financing 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 will think about, as appropriate and constant with suitable law and their statutory authorities: (i) updating appraisal guidelines and assistance to expand using alternative evaluation models, desktop and hybrid appraisals, and synthetic intelligence valuation tools; (ii) simplifying appraiser credentials requirements; and (iii) reducing appraisal requirements for low-risk deals, consisting of low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Digital Home Mortgage Modernization. (a) The Secretary of Agriculture, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA will think about, as appropriate and consistent with relevant law: (i) getting rid of unnecessary wetsignature requirements for disclosures, applications, closing documents, and similar files; (ii) standardizing approval 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 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 proper and constant with relevant 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 issuing a proposed guideline providing exemptions from intricate home mortgage services for smaller banks; and (ii) guaranteeing that supervisory assessments of performing, wisely underwritten portfolio loans do not focus on technical problems or depend on progressing supervisory analyses.

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 think about, as proper and consistent with relevant law, promoting a policy versus enforcement actions for offenses of customer monetary laws that: (i) dissuades enforcing civil monetary charges, except where the underlying violations are willful, understanding, or negligent; (ii) thinks about great corporate conduct, including a bank's correction of good-faith, technical compliance mistakes; and (iii) allows institutions a sensible opportunity for self-identification and remediation of proper compliance matters.