loan guarantee, or any other investment 
under this section shall, beginning in the 
first month in which the loan, loan guar-
antee, or investment was received, collect 
and provide loan-level data to the Bureau 
of Consumer Financial Protection on a 
monthly basis with respect to all residen-
tial mortgage loans serviced by the 
servicer. 
‘‘(ii) CONTENTS.—Each monthly re-
port required under this subparagraph 
shall contain identifying information and 
loan performance data for the most recent 
month as well as cumulative data since the 
servicer began reporting under this para-
graph. 
‘‘(iii) TIME PERIOD FOR REPORTS.— 
Reports under this paragraph shall be pro-
vided by a servicer every month in which 
a loan, loan guarantee, or any other invest-
ment under this section has been received 
and for 2 years following such receipt. 
‘‘(B) IDENTIFYING
INFORMATION.—Each 
monthly report required under subparagraph 
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(A) shall include the following loan-level identi-
fying information: 
‘‘(i) Demographic data, for each bor-
rower, including race, ethnicity, sex, and 
age. 
‘‘(ii) The location of the property, in-
cluding by State, Metropolitan Statistical 
Area, postal code, census tract, and Metro-
politan District, if applicable. 
‘‘(iii) Loan origination information, 
including original unpaid principal balance, 
original interest rate, first payment date, 
original loan term, and lien status (first or 
subordinate). 
‘‘(iv) Loan type and type of loan pur-
chaser, as described under section 304 of 
the Home Mortgage Disclosure Act of 
1975 (12 U.S.C. 2803) and the rules 
issued to carry out such section). 
‘‘(C) LOAN
PERFORMANCE
DATA.—Each 
monthly report required under subparagraph 
(A) shall include the following loan-level loan 
performance data: 
‘‘(i) Current loan information, includ-
ing current actual unpaid principal bal-
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lotter on DSK9F5VC42PROD with BILLS
ance, current interest rate, current loan 
delinquency status (based on the number 
of days the borrower is delinquent in pay-
ments based on the due date of the last 
paid loan payment), loan performance sta-
tus (including current, forbearance, repay-
ment plan, referred to foreclosure, trial 
modification, permanent modification, or 
foreclosed), and the date of the event lead-
ing to such status. 
‘‘(ii) Loss mitigation information, in-
cluding— 
‘‘(I) whether the loan is currently 
being evaluated for loss mitigation, 
and if so, the date upon which the 
current loss mitigation process was 
initiated and the date of complete ap-
plication, if any; 
‘‘(II) the disposition of any pre-
vious loss mitigation evaluation re-
ported pursuant to subclause (I) and 
the date of disposition, including— 
‘‘(aa) denied; 
‘‘(bb) temporary or short- 
term agreement, such as a repay-
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ment agreement or forbearance, 
and the length of such agreement 
(in months); 
‘‘(cc) trial loan modification; 
‘‘(dd) permanent loan modi-
fication; or 
‘‘(ee) other type of loss miti-
gation; and 
‘‘(III) for each permanent modi-
fication— 
‘‘(aa) whether the perma-
nent modification included one or 
more of— 
‘‘(AA) additions of de-
linquent payments and fees 
to loan balances; 
‘‘(BB) interest rate re-
ductions and freezes; 
‘‘(CC) term extensions; 
‘‘(DD) 
reductions 
of 
principal; or 
‘‘(EE) deferrals of prin-
cipal; and 
‘‘(bb) 
whether 
the 
total 
monthly principal and interest 
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payment, as a result of the per-
manent modification— 
‘‘(AA) increased; 
‘‘(BB) 
remained 
the 
same; 
‘‘(CC) decreased less 
than 10 percent; 
‘‘(DD) decreased be-
tween 10 and 20 percent; or 
‘‘(EE) 
decreased 
percent or more. 
‘‘(D) FORBEARANCE DATA.—Each monthly 
report required under subparagraph (A) shall 
include, with respect to each loan for which a 
forbearance has been reported under subpara-
graph (C)(i), forbearance-specific data, includ-
ing— 
‘‘(i) the total months of total forbear-
ance granted to date; and 
‘‘(ii) the number of renewals of for-
bearance to date. 
‘‘(E) PUBLIC
AVAILABILITY
OF
AGGRE-
GATE DATA.— 
‘‘(i) IN GENERAL.—Using data sub-
mitted by servicers under this paragraph, 
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the Director of the Bureau of Consumer 
Financial Protection shall make available 
aggregate data by servicer for each State, 
Metropolitan Statistical Area, and Metro-
politan Division, as defined by the Office 
of Management and Budget. Such aggre-
gate data shall be provided monthly by the 
Director to Congress and posted on the 
Bureau of Consumer Financial Protec-
tion’s website. 
‘‘(ii) EXCEPTION FOR CERTAIN PER-
SONALLY IDENTIFIABLE DATA.—If aggre-
gate data described under clause (i) is 
nonetheless reasonably personally identifi-
able, the Director may report the aggre-
gate data by servicer on the next larger ge-
ographic unit (such that, for example, data 
would not be reported by Municipal Divi-
sion but only by Metropolitan Statistical 
Area and State). 
‘‘(F) IMPLEMENTATION.—The Director of 
the Bureau of Consumer Financial Protection 
shall, within 60 days of the date of enactment 
of this paragraph, and in consultation with the 
Director of the Federal Housing Finance Agen-
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