2015 HMDA rule 2015 HMDA rule promised 2015 HMDA rule Home Mortgage Disclosure Act Published 10/28/2015 Published 10/28/2015 2015 HMDA rule racial and ethnic designations Published 10/28/2015 2015 HMDA rule Home Mortgage Disclosure Act substantial revisions HMDA Final Rule Regulation C Published 10/28/2015 Home Mortgage Disclosure Act 2015 HMDA rule racial and ethnic designations the Home Mortgage Disclosure Act