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Modernization of Home Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB will think about, as suitable and consistent with relevant law, proposing modifications to Regulation C to raise the property limit for exemption from HMDA information collection and reporting requirements for smaller sized banks, to exclude queries from the scope of HMDA, and to make sure that disclosures secure personal privacy and minimize concerns, consisting of insufficiently tailored, 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 Housing Financing Firm (FHFA) will consider, as proper and consistent with relevant law: (i) revising capital guidelines, consistent with suitable risk-management requirements, to customize threat weights for all banks, including neighborhood banks and other smaller sized banks, for portfolio mortgages, servicing rights, and storage facility credit lines to the material credit danger of the exposure; (ii) modernizing collateral appraisal and transfer systems between the Federal Reserve and Federal Mortgage Banks (FHLBs); (iii) expanding access to longerdated FHLB advances tied to domestic mortgage assets; (iv) producing targeted FHLB liquidity programs for entrylevel housing, owneroccupied purchase loans, and little domestic builders; (v) speeding up collateral boarding and evaluation procedures through standardized data and digital paperwork; and (vi) refocusing the FHLBs' Economical Real estate Program on faster-cycle execution and higher financial leverage for small-scale 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 relevant executive departments and companies, will submit a report to the Assistant to the President for Economic Policy and the Director of the Office of Management and Spending plan on the efficiency of nationwide housing financing markets.

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Building and Real Estate 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, will consider, as appropriate and consistent with appropriate law, revising supervisory guidance both to exclude one-to four-family property advancement and construction lending from business genuine estate concentration guidance and to make sure supervisory expectations support accountable construction 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 shall think about, as suitable and consistent with applicable law and their statutory authorities: (i) updating appraisal regulations and guidance to expand using alternative appraisal models, desktop and hybrid appraisals, and artificial intelligence assessment tools; (ii) simplifying appraiser credentials requirements; and (iii) decreasing appraisal requirements for low-risk deals, including low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Digital Home Loan Modernization. (a) The Secretary of Agriculture, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA shall consider, as suitable and constant with relevant law: (i) getting rid of unnecessary wetsignature requirements for disclosures, applications, closing documents, and comparable files; (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 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 maintenance as a core neighborhood banking function; extending curefirst standards to goodfaith servicing errors; simplifying loss mitigation requirements; and providing a proposed guideline providing exemptions from complex mortgage services for smaller banks; and (ii) making sure that supervisory assessments of performing, wisely underwritten portfolio loans do not focus on technical problems 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 proper and consistent with applicable law, promulgating a policy versus enforcement actions for infractions of consumer monetary laws that: (i) discourages imposing civil financial penalties, except where the underlying infractions are willful, knowing, or reckless; (ii) thinks about excellent corporate conduct, consisting of a bank's correction of good-faith, technical compliance mistakes; and (iii) enables organizations a reasonable chance for self-identification and remediation of proper compliance matters.