Consumer Financial Protection Bureau, Rural or Underserved Counties

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Details Rural or underserved counties
Topics Rural or underserved counties, Escrows Rule
Source Consumer Financial Protection Bureau (CFPB)
Years Available 2012-2024
Geographies County
Public Edition or Subscriber-only Public Edition
Download Available yes
For more information http://www.consumerfinance.gov/guidance/#ruralunderserved
Last updated on PolicyMap October 2024

Description:

The Escrow Requirements under the Truth in Lending Act rule (known as the Escrows Rule) requires that certain creditors create escrow accounts for a minimum of five years for higher-priced mortgage loans (HPMLs), except HPMLs made by certain small creditors that operate predominantly in rural or underserved counties. Rural counties are defined by using the USDA Economic Research Service’s urban influence codes, and underserved counties are defined by reference to data collected under the Home Mortgage Disclosure Act (HMDA).

Available Data Layers & Indicators (13)
Rural or underserved counties, as of 2012.
Rural or underserved counties, as of 2013.
Rural or underserved counties, as of 2014.
Rural or underserved counties, as of 2015.
Rural or underserved counties, as of 2016.
Rural or underserved counties, as of 2017.
Rural or underserved counties, as of 2018.
Rural or underserved counties, as of 2019.
Rural or underserved counties, as of 2020.
Rural or underserved counties, as of 2021.
Rural or underserved counties, as of 2022.
Rural or underserved counties, as of 2023.
Rural or underserved counties, as of 2024.