Who is responsible for publishing the APOR Index?

The correct answer is that the Federal Financial Institutions Examination Council (FFIEC) is responsible for publishing the APOR Index. The APOR (Average Prime Offer Rate) is a benchmark used to determine the pricing of mortgage loans for consumers and is essential in assessing whether a loan qualifies as a qualified mortgage under the Dodd-Frank Act. The FFIEC plays a critical role in this process as it is tasked with ensuring the accuracy and integrity of financial data related to mortgage lending practices.

The FFIEC's involvement ensures that the APOR is reflective of the rates offered to borrowers with good credit, which is vital for compliance and transparency in the lending process. The index can help lenders and consumers alike evaluate loan terms and make informed decisions based on the prevailing market rates.

While other agencies like the Federal Reserve, HUD, and the CFPB are vital contributors to various aspects of housing policy and regulation, they do not specifically publish the APOR Index. The responsibility clearly lies with the FFIEC in this regard, highlighting its significance in mortgage oversight and consumer protection.