This Note discusses the regulatory developments under the Home Mortgage Disclosure Act (HMDA) since the passage of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank). In particular, this Note summarizes the Federal Reserve Board's analysis of the aggregated loan application data reported by financial institutions under HMDA in 2012, which provides an overall picture of the residential mortgage lending market. This Note also discusses how the federal agencies may seek to utilize the additional data reporting requirements imposed by Dodd-Frank to enforce the mortgage industry's compliance with fair lending laws.