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Sec. 3. Modernization of Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB will think about, as proper and constant with applicable law, proposing changes to Guideline C to raise the possession threshold for exemption from HMDA data collection and reporting requirements for smaller sized banks, to leave out inquiries from the scope of HMDA, and to make sure that disclosures protect privacy and reduce burdens, including insufficiently tailored, expensive, and complex software application and training needed for reporting banks.

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4. Capital and Liquidity Positioning. (a) The Vice Chairman for Supervision 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 Company (FHFA) shall think about, as proper and consistent with applicable law: (i) modifying capital guidelines, constant with suitable risk-management requirements, to tailor danger weights for all banks, consisting of community banks and other smaller banks, for portfolio mortgages, servicing rights, and storage facility lines of credit to the material credit threat of the direct exposure; (ii) modernizing collateral assessment and transfer systems between the Federal Reserve and Federal Mortgage Banks (FHLBs); (iii) expanding access to longerdated FHLB advances connected to property home mortgage properties; (iv) creating targeted FHLB liquidity programs for entrylevel housing, owneroccupied purchase loans, and small property contractors; (v) speeding up collateral boarding and assessment processes through standardized data and digital paperwork; and (vi) refocusing the FHLBs' Affordable Real estate Program on faster-cycle execution and greater monetary leverage for small and owner-occupied real estate projects.

(c) Within 120 days of the date of this order, the Director of the FHFA, in consultation with the heads of other appropriate executive departments and agencies, will send a report to the Assistant to the President for Economic Policy and the Director of the Workplace of Management and Budget plan on the performance of national housing financing markets.

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Sec. 5. Construction and Housing Supply. (a) The Vice Chairman for Supervision 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 appropriate law, revising supervisory guidance both to omit one-to four-family residential advancement and building and construction lending from industrial property concentration assistance and to guarantee supervisory expectations support accountable construction financing by neighborhood 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 appropriate and consistent with applicable law and their statutory authorities: (i) updating appraisal guidelines and guidance to broaden the usage of alternative appraisal models, desktop and hybrid appraisals, and synthetic intelligence appraisal tools; (ii) streamlining appraiser certification requirements; and (iii) minimizing appraisal requirements for low-risk transactions, consisting of low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Sec. 7. Digital Home Loan Modernization. (a) The Secretary of Agriculture, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA will consider, as appropriate and consistent with appropriate law: (i) getting rid of unnecessary wetsignature requirements for disclosures, applications, closing files, and similar documents; (ii) standardizing approval of electronic signatures, e-notes, and remote online notarization; and (iii) promoting digital mortgage standards.

8. Maintenance and Supervisory Certainty. (a) The Secretary of HUD, the Vice Chairman for Supervision 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 suitable and consistent with suitable law: (i) aligning supervisory expectations to support portfolio home mortgage servicing as a core neighborhood banking function; extending curefirst requirements to goodfaith maintenance mistakes; streamlining loss mitigation requirements; and providing a proposed guideline offering exemptions from complicated mortgage services for smaller banks; and (ii) ensuring that supervisory evaluations of performing, prudently underwritten portfolio loans do not focus on technical problems or count on progressing supervisory interpretations.

9. Enforcement. (a) The Vice Chairman for Supervision 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 suitable and constant with applicable law, promulgating a policy versus enforcement actions for offenses of consumer monetary laws that: (i) prevents imposing civil monetary charges, other than where the underlying violations are willful, knowing, or reckless; (ii) considers excellent business conduct, consisting of a bank's correction of good-faith, technical compliance mistakes; and (iii) enables organizations a reasonable chance for self-identification and removal of proper compliance matters.