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Sec. 3. Modernization of Home Home Mortgage Disclosure Act (HMDA) Data Collection and Disclosure. (a) The CFPB shall consider, as appropriate and consistent with applicable law, proposing modifications to Regulation C to raise the property limit for exemption from HMDA data collection and reporting requirements for smaller sized banks, to exclude questions from the scope of HMDA, and to ensure that disclosures secure privacy and reduce problems, consisting of insufficiently customized, expensive, and complex software and training needed for reporting monetary institutions.

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4. Capital and Liquidity Alignment. (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 Finance Firm (FHFA) shall consider, as suitable and constant with appropriate law: (i) modifying capital regulations, constant with proper risk-management requirements, to tailor danger weights for all banks, including neighborhood banks and other smaller sized banks, for portfolio mortgages, servicing rights, and warehouse credit lines to the material credit threat of the exposure; (ii) updating collateral valuation and transfer systems between the Federal Reserve and Federal Home Loan Banks (FHLBs); (iii) expanding access to longerdated FHLB advances tied to property mortgage properties; (iv) creating targeted FHLB liquidity programs for entrylevel housing, owneroccupied purchase loans, and little residential home builders; (v) speeding up security boarding and appraisal processes through standardized data and digital documentation; and (vi) refocusing the FHLBs' Inexpensive Real estate Program on faster-cycle execution and higher financial leverage for small and owner-occupied housing 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, shall submit a report to the Assistant to the President for Economic Policy and the Director of the Workplace of Management and Budget plan on the effectiveness of nationwide real estate finance markets.

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Sec. 5. Building And Construction and Housing Supply. (a) The Vice Chairman for Guidance 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 consider, as appropriate and consistent with appropriate law, revising supervisory assistance both to leave out one-to four-family domestic development and building financing from industrial property concentration assistance and to guarantee supervisory expectations support responsible building lending by community 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 will consider, as appropriate and consistent with relevant law and their statutory authorities: (i) updating appraisal policies and guidance to expand using alternative appraisal designs, desktop and hybrid appraisals, and expert system evaluation tools; (ii) streamlining appraiser certification requirements; and (iii) reducing appraisal requirements for low-risk deals, including low loan-to-value refinancing and smallbalance loans; and setting clear appraisal timelines.

Digital Home Mortgage Modernization. (a) The Secretary of Agriculture, the Secretary of HUD, the Secretary of VA, and the Director of the FHFA will consider, as suitable and constant with applicable law: (i) eliminating unneeded wetsignature requirements for disclosures, applications, closing documents, and similar documents; (ii) standardizing acceptance of electronic signatures, e-notes, and remote online notarization; and (iii) promoting digital home 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 will consider, as appropriate and constant with relevant law: (i) aligning supervisory expectations to support portfolio mortgage maintenance as a core neighborhood banking function; extending curefirst requirements to goodfaith maintenance errors; simplifying loss mitigation requirements; and releasing a proposed guideline supplying exemptions from complicated home mortgage services for smaller sized banks; and (ii) ensuring that supervisory assessments of carrying out, prudently underwritten portfolio loans do not focus on technical problems or count on developing supervisory analyses.

9. Enforcement. (a) The Vice Chairman for Guidance 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 applicable law, promoting a policy against enforcement actions for violations of customer financial laws that: (i) dissuades enforcing civil financial charges, other than where the underlying offenses are willful, understanding, or negligent; (ii) thinks about great corporate conduct, including a bank's correction of good-faith, technical compliance mistakes; and (iii) allows organizations a sensible chance for self-identification and remediation of suitable compliance matters.