The Home Mortgage Disclosure Act (HMDA) requires financial institutions that meet certain thresholds to collect and report home mortgage-related data for loans originated and purchased in a given calendar year. Whether or not a depository institution is subject to the HMDA data collection and reporting requirements is based, in part, on the depository institution’s assets. HMDA requires an annual adjustment to the asset size threshold based on changes in the Consumer Price Index for Urban Wage Earners and Clerical Workers (CPI-W). Based on the increase in the CPI-W in 2011, the CFPB has published a final rule increasing the asset size trigger for 2012. Depository institutions with assets of $41 million or less as of December 31, 2011 will not be required to collect HMDA data in calendar year 2012. A depository institution that was required to collect 2011 HMDA data is still required to report the 2011 HMDA data even if it is not required to collect HMDA data in 2012.