Reportable HMDA Data: A Regulatory And Reporting Overview Reference .
Effective January 1, 2020Reportable HMDA Data: A Regulatory and Reporting Overview Reference Chart forHMDA Data Collected in 2020 1This chart is intended to be used as a reference tool for data points required to be collected, recorded, and reported under Regulation C, as amended by the HMDA Rules issued on October 15,2015, on August 24, 2017, and on October 10, 2019 .a Relevant regulation and commentary sections are provided for ease of reference. The chart also incorporates the information found in Section4.2.2 of the 2020 Filing Instructions Guide and provides when to report not applicable or exempt, including the codes used for reporting not applicable or exempt from section 4 of the 2020 FilingInstructions Guide for ease of reference. This chart does not provide data fields or enumerations used in preparing the HMDA loan/application register (LAR). For more information on preparingthe HMDA LAR, please see http://ffiec.cfpb.gov.Data point(1) Legal EntityIdentifier (LEI)Regulation Creferences§ 1003.4(a)(1)(i)(A)DescriptionFiling instructionsbIdentifier issued to thefinancial institution (FI)by a utility endorsed bythe Global LEIFoundation or LEIRegulatory OversightCommitteeEnter your financial institution’s LEI.Example: If your institution’s LEI is 10BX939C5543TQA1144M,enter 10BX939C5543TQA1144M.Reporting “Not Applicable”c or “Exempt”dThis is a compliance aid issued by the Consumer Financial Protection Bureau. The Bureau published a policy statement on compliance aids, available at rules/policy-statement-compliance-aids/, that explains the Bureau’s approach to compliance aids.12020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020
Effective January 1, 2020Data point(2) UniversalLoan Identifier(ULI) or NonUniversal LoanIdentifier (NULI)Regulation Creferences§ 1003.4(a)(1)(i),Comments4(a)(1)(i)-1 through-5, and appendix CDescriptionFiling instructionsbULI: Identifier assignedto identify and retrievea loan or applicationthat contains the FI’sLEI, an internallygenerated sequence ofcharacters, and acheck digitULI. Assign and report a ULI that:NULI: Identifierassigned to identify aloan or applicationReporting “Not Applicable”c or “Exempt”d1. Begins with the financial institution’s Legal Entity Identifier as definedin § 1003.4(a)(1)(i)(A).2. Follows the Legal Entity Identifier with up to 23 additional charactersto identify the covered loan or application, which: May be letters, numerals, or a combination of letters andnumerals; Must be unique within the financial institution; and Must not include any information that could be used to directlyidentify the applicant or borrower.3. Ends with a two-character check digit that is calculated using theISO/IEC 7064, MOD 97-10 as it appears on the International StandardISO/IEC 7064:2003, which is published by the InternationalOrganization for Standardization (ISO).A check digit can be generated by: Using the check digit tool. Information regarding the check digittool will be located at https://ffiec.cfpb.gov/tools/check-digit; or Applying the procedures provided in appendix C to RegulationC.ULI Example:10BX939c5543TQA1144M999143X99LEI2Loan orApplicationIdentifier2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020CheckDigit
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable”c or “Exempt”dNULI. If not reporting a ULI per the 2018 HMDA Rule, assign andreport a NULI that:1. Is composed of up to 22 characters, which may include letters,numerals, or a combination of letters and numerals.2. Is unique within the insured depository institution or insured creditunion.3. Does not include any information that could be used to directlyidentify the applicant or borrower.NULI Example:999143X3(3) ApplicationDate§ 1003.4(a)(1)(ii),Comments4(a)(1)(ii)-1 through-3Date the applicationwas received or thedate on the applicationformEnter, in numeral form, the date the application was received or thedate shown on the application form by year, month, and day, usingYYYYMMDD format.Example: If the application was received on July 21, 2020, enter20200721.(4) Loan Type§ 1003.4(a)(2),Comment 4(a)(2)-1Whether the loan orapplication is insuredby the Federal HousingAdministration,guaranteed by theDepartment ofVeterans Affairs, RuralHousing Service, orFarm Service AgencyIndicate the type of covered loan or application by entering: Code 1—Conventional (not insured or guaranteed by FHA, VA,RHS, or FSA) Code 2—Federal Housing Administration insured (FHA) Code 3—Veterans Affairs guaranteed (VA) Code 4—USDA Rural Housing Service or Farm Service Agencyguaranteed (RHS or FSA)2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020Enter “NA” for purchased covered loans,§ 1003.4(a)(1)(ii)
Effective January 1, 2020Data point4Regulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable”c or “Exempt”dTo report not applicable, enter “Code 5” forpurchased covered loans where origination tookplace prior to January 1, 2018, Comment 4(a)(3)-6.(5) LoanPurpose§ 1003.4(a)(3),Comments 4(a)(3)1 through -6Whether thetransaction is for homepurchase, homeimprovement,refinancing, cash-outrefinancing, or anotherpurposeIndicate the purpose of the covered loan or application by entering: Code 1—Home purchase Code 2—Home improvement Code 31—Refinancing Code 32—Cash-out refinancing Code 4—Other purpose Code 5—Not applicable(6) Preapproval§ 1003.4(a)(4),Comments 4(a)(4)1 and -2Whether thetransaction involved apreapproval request fora home purchase loanunder a preapprovalprogramIndicate preapproval for a covered loan or application by entering: Code 1—Preapproval requested Code 2—Preapproval not requested(7) ConstructionMethod§ 1003.4(a)(5),Comments 4(a)(5)1 through -3Whether the dwelling issite-built or amanufactured homeIndicate the construction method for the dwelling by entering: Code 1—Site-built Code 2—Manufactured home(8) OccupancyType§ 1003.4(a)(6),Comments 4(a)(6)1 through -5Whether the propertywill be used as aprincipal residence,second residence, orinvestment propertyIndicate the occupancy type by entering: Code 1—Principal residence Code 2—Second residence Code 3—Investment property(9) LoanAmount§ 1003.4(a)(7),Comments 4(a)(7)1 through -9Amount of the loan orthe amount applied forEnter, in dollars, the amount of the covered loan, or the amount appliedfor, as applicable.Example: If the loan amount is 110,500, enter 110500 or110500.00. If the loan amount is 110,500.24, enter 110500.24.2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020
Effective January 1, 2020Data point(10) ActionTaken and (11)Action TakenDateRegulation Creferences§ 1003.4(a)(8),Comments4(a)(8)(i)-1 through-14 and 4(a)(8)(ii)-1through -6DescriptionFiling instructionsbType and date ofaction the FI took onthe loan, application, orpreapproval requestACTION TAKEN. Indicate the action taken on the covered loan orapplication by entering: Code 1—Loan originated Code 2—Application approved but not accepted Code 3—Application denied Code 4—Application withdrawn by applicant Code 5—File closed for incompleteness Code 6—Purchased loan Code 7—Preapproval request denied Code 8—Preapproval request approved but not acceptedReporting “Not Applicable”c or “Exempt”dACTION TAKEN DATE. Enter, in numeral form, the date of actiontaken by year, month, and day, using YYYYMMDD format.Example: If the action taken date is July 21, 2020, enter 20200721.(12) PropertyAddress5§ 1003.4(a)(9)(i),Comments 4(a)(9)1 through -5 and4(a)(9)(i)-1 through-3Address of the propertysecuring the loan (orproposed to secure aloan)STREET ADDRESS. Enter the street address of the property as one(1) data field. U.S. Postal Service Publication 28, Subsections 231–239,can be used as a guide for formatting the street address to helpimprove geocoding accuracy. Address components include, asapplicable, the following individual items: Primary Address Number Predirectional Street Name Prefix Suffix Postdirectional Secondary Address Identifier, such as apartment Secondary Address, such as apartment numberCITY. Enter the city of the property as one (1) data field.2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020Enter “NA” in each of the property address fields for: Covered loans or applications if the propertyaddress of the property securing the covered loanis not known (e.g., the property did not have aproperty address at closing, or the propertyaddress was not provided to the institution beforethe application was denied, withdrawn, or closedfor incompleteness), Comment 4(a)(9)(i)-3; Covered loans or applications if a site of amanufactured home has not been identified,Comment 4(a)(9)-5STATE ONLY: For transactions for which Statereporting is not required under § 1003.4(a)(9)(i), a
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable”c or “Exempt”dSTATE. Enter the two letter state code of the property as one (1) datafield.ZIP CODE. Enter the ZIP code of the property as one (1) data field.financial institution may not report not applicable forthe Property Address State unless the institution ispermitted to report not applicable for State forProperty Location. See below for when you mayreport not applicable for Property Location.NON-STANDARD ADDRESSING. U.S. Postal Service Publication 28,Subsection 24, 25, and 29, respectively, can be used as guides forformatting non-standard style addressing including rural route, HighwayContract Route, and Puerto Rico addresses to increase the accuracyfor geocoding.Enter “Exempt” in the Street Address, City, and ZipCode fields if, pursuant to the 2018 HMDA FinalRule, your institution is not reporting PropertyAddress.The following address formats are generally not preferred: General Delivery addresses, such as General Delivery, Anytown,CA 90049-9998. Post Office Box addresses, such as P.O. Box 100 Anytown, CA90049-9998. Spelled-out numbers, such as Four Hundred Fifty Six WSomewhere Ave Apt Two Hundred One.(13), (14), and(15) PropertyLocation6§ 1003.4(a)(9)(ii),Comments 4(a)(9)1 through -5,4(a)(9)(ii)-1,4(a)(9)(ii)(A)-1,4(a)(9)(ii)(B)-1 and 2, and 4(a)(9)(ii)(C)1 and -2Location of theproperty securing theloan (or proposed tosecure a loan) by state,county, and censustractCOUNTY. Enter the five-digit Federal Information ProcessingStandards (FIPS) numerical code for the county. Do not use commas.Example: Enter 06037 for the FIPS code for Los Angeles County,CA.CENSUS TRACT. Enter the 11-digit census tract number as defined bythe U.S. Census Bureau. Do not use decimals.Example: Enter 06037264000 for a census tract within LosAngeles County, CA.2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020Enter “NA” for: Applications only if the state, county, or censustract in which the property is located is not knownbefore the application is denied, withdrawn, orclosed for incompleteness, Comments4(a)(9)(ii)(A)-1, 4(a)(9)(ii)(B)-2, and 4(a)(9)(ii)(C)2. Covered loans or applications if a site of amanufactured home has not been identified,Comment 4(a)(9)-5;
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable”c or “Exempt”dSTATE. Enter the two letter state code of the property as one (1) datafield. Covered loans or applications if the property isnot located in an Metropolitan Statistical Area(MSA) or Metropolitan Division (MD) in which theinstitution has a home or branch office and theinstitution is not required to report data on smallbusiness, small farm, and communitydevelopment lending under regulations thatimplement the Community Reinvestment Act of1977, § 1003.4(a)(9)(ii) and § 1003.4(e)CENSUS TRACT ONLY: Covered loans orapplications if the property is located in a countywith a population of 30,000 or less according tothe most recent decennial census conducted bythe U.S. Census Bureau, § 1003.4(a)(9)(ii)(C)NOTE: For transactions for which State, county, orcensus tract reporting is not required under§ 1003.4(a)(9)(ii) or § 1003.4(e), financial institutionsmay report that the requirement is not applicable, orthey may voluntarily report the State, county, orcensus tract information, Comment 4(a)(9)(ii)-1STATE ONLY: For transactions for which Statereporting is not required under § 1003.4(a)(9)(ii), afinancial institution may not report not applicable forthe Property Location State unless the institution ispermitted to report not applicable for Property72020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsbReporting “Not Applicable”c or “Exempt”dAddress. See above for when you may report notapplicable for Property Address.(16) Ethnicity,8§ 1003.4(a)(10)(i),Comments4(a)(10)(i)-1 and -2and appendix BApplicant’s orborrower’s ethnicity,race, and sex, and ifinformation wascollected by visualobservation orsurnameETHNICITY OF APPLICANT OR BORROWER. Indicate the ethnicityof the applicant or borrower, or of the first co-applicant or co-borrower,as applicable, by entering up to five (5): Code 1—Hispanic or Latinoo Code 11—Mexicano Code 12—Puerto Ricano Code 13—Cubano Code 14—Other Hispanic or LatinoNOTE: If the applicant or borrower, or any co-applicant or coborrower, did not select Code 14, but provided an other Hispanicor Latino ethnicity(ies) in the Ethnicity Free Form Text Field forOther Hispanic or Latino, your institution is permitted, but notrequired, to report Code 14 in one of the Ethnicity of Applicant orBorrower data fields. This will be counted as one of the five (5)reported ethnicities, whether or not you also choose to reportCode 14 as one of the Ethnicity of Applicant or Borrower, orEthnicity of Co-Applicant or Co-Borrower, data fields. See belowfor information about the Ethnicity Free Form Text Field forOther Hispanic or Latino. Code 2—Not Hispanic or Latino Code 3—Information not provided by applicant in mail, internet, ortelephone applicationNOTE: Use Code 3 if the applicant or borrower, or co-applicantor co-borrower does not provide the information in an application2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020To report not applicable, enter “Code 4” forEthnicity of Applicant or Borrower and “Code 3”for Ethnicity Collected on the Basis of VisualObservation or Surname for: Purchased covered loans for which the financialinstitution chooses not to report the applicant’s orco-applicant’s ethnicity, race, and sex, appendixB;Covered loans or applications when applicant orco-applicant is not a natural person, appendix BNOTE: Use Code 3 for Ethnicity Collected on theBasis of Visual Observation or Surname if thefinancial institution received the application prior toJanuary 1, 2018, and the financial institutionchooses not to report whether the ethnicity of theapplicant or borrower, or of the first co-applicant orco-borrower, as applicable, was collected on thebasis of visual observation or surname, Comment4(a)(10)(i)-2
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsb taken by mail, internet, or telephone. Leave the remainingEthnicity of Applicant or Borrower data fields blank.Code 4—Not applicableNOTE: Use Code 4 if the requirement to report the applicant’s orborrower’s ethnicity does not apply to the covered loan orapplication that your institution is reporting. Leave the remainingEthnicity of Applicant or Borrower data fields blank.Code 5—No co-applicantNOTE: Use Code 5 in the co-applicant field if there are no coapplicants or co-borrowers. Leave the remaining Ethnicity ofApplicant or Borrower data fields blank.If there is more than one co-applicant or co-borrower, provide therequired information only for the first co-applicant or co-borrower listedon the collection form.Do not enter the same code more than once for the applicant orborrower, or any co-applicant or co-borrower, as applicable, for anycovered loan or application.If fewer than five (5) ethnicities are provided by the applicant orborrower, or by any co-applicant or co-borrower, leave the remainingEthnicity of Applicant or Borrower data fields blank.ETHNICITY FREE FORM TEXT FIELD. Enter the specific otherHispanic or Latino ethnicity(ies) not listed above, if provided by theapplicant or borrower, or by any co-applicant or co-borrower, asapplicable. For example, enter Argentinean, Colombian, Dominican,Nicaraguan, Salvadoran, or Spaniard, and so on, if provided by the92020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020Reporting “Not Applicable”c or “Exempt”d
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsbapplicant or borrower, or by any co-applicant or co-borrower, asapplicable. Enter more than one other Hispanic or Latino ethnicity, ifprovided by the applicant or borrower, or by any co-applicant or coborrower, as applicable. The maximum number of characters for thisfield is 100 characters, including spaces. If the applicant or borrower,or any co-applicant or co-borrower, did not provide an other Hispanicor Latino ethnicity(ies), leave this field blank.ETHNICITY COLLECTED ON THE BASIS OF VISUALOBSERVATION OR SURNAME. Indicate whether the ethnicity of theapplicant or borrower, or of the first co-applicant or co-borrower, asapplicable, was collected on the basis of visual observation or surnameby entering: Code 1—Collected on the basis of visual observation or surname Code 2—Not collected on the basis of visual observation orsurname Code 3—Not applicableNOTE: Use Code 3 if the requirement to report the applicant’s orborrower’s ethnicity does not apply to the covered loan orapplication that your institution is reporting. Code 4—No co-applicantNOTE: Use Code 4 in the co-applicant field if there are no coapplicants or co-borrowersIf there is more than one co-applicant or co-borrower, provide therequired information only for the first co-applicant or co-borrower listedon the collection form.102020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020Reporting “Not Applicable”c or “Exempt”d
Effective January 1, 2020Data point(17) Race11Regulation Creferences§ 1003.4(a)(10)(i),Comments4(a)(10)(i)-1 and -2and appendix BDescriptionFiling instructionsbReporting “Not Applicable”c or “Exempt”dApplicant’s orborrower’s ethnicity,race, and sex, and ifinformation wascollected by visualobservation orsurnameRACE OF APPLICANT OR BORROWER. Indicate the race of theapplicant or borrower, or of the first co-applicant or co-borrower, asapplicable, by entering up to five (5): Code 1—American Indian or Alaska NativeNOTE: If the applicant or borrower, or any co-applicant or coborrower, did not select Code 1, but provided the name of theapplicant’s or borrower’s American Indian or Alaska NativeEnrolled or Principal Tribe(s) in the Race Free Form Text Fieldfor American Indian or Alaska Native Enrolled or PrincipalTribe, your institution is permitted, but not required, to reportCode 1 in one of the Race of Applicant or Borrower data fields.Each reported race will be counted as one of the five (5)reported races, whether or not you also choose to report Code 1as one of the Race of Applicant or Borrower, or Race of CoApplicant or Co-Borrower, data fields. See below for informationabout the Race Free Form Text Field for American Indian orAlaska Native Enrolled or Principal Tribe. Code 2—Asiano Code 21—Asian Indiano Code 22—Chineseo Code 23—Filipinoo Code 24—Japaneseo Code 25—Koreano Code 26—Vietnameseo Code 27—Other AsianNOTE: If the applicant or borrower, or any co-applicant orco-borrower, did not select Code 27, but provided the nameof the applicant’s or borrower’s other Asian race(s) in theRace Free Form Text Field for Other Asian, yourTo report not applicable, enter “Code 7” for Race ofApplicant or Borrower and “Code 3” for RaceCollected On The Basis Of Visual Observation OrSurname for:2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020 Purchased covered loans for which the financialinstitution chooses not to report the applicant’s orco-applicant’s ethnicity, race, and sex, appendixB;Covered loans or applications when applicant orco-applicant is not a natural person, appendix BNOTE: Use Code 3 if the financial institutionreceived the application prior to January 1, 2018,and the financial institution chooses not to reportwhether the race of the applicant or borrower, or ofthe first co-applicant or co-borrower, as applicable,was collected on the basis of visual observation orsurname.
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsb 12institution is permitted, but not required, to report Code 27in one of the Race of Applicant or Borrower data fields.Each reported race will be counted as one of the five (5)reported races, whether or not you also choose to reportCode 27 as one of the Race of Applicant or Borrower, orRace of Co-Applicant or Co-Borrower, data fields. Seebelow for information about the Race Free Form Text Fieldfor Other Asian.Code 3—Black or African AmericanCode 4—Native Hawaiian or Other Pacific Islandero Code 41—Native Hawaiiano Code 42—Guamanian or Chamorroo Code 43—Samoano Code 44—Other Pacific IslanderNOTE: If the applicant or borrower, or any co-applicant orco-borrower, did not select Code 44, but provided the nameof the applicant’s or borrower’s other Pacific Islanderrace(s) in the Race Free Form Text Field for OtherPacific Islander, your institution is permitted, but notrequired, to report Code 44 in one of the Race of Applicantor Borrower data fields. Each reported race will be countedas one of the five (5) reported races, whether or not youalso choose to report Code 44 as one of the Race ofApplicant or Borrower, or Race of Co-Applicant or CoBorrower, data fields. See below for information about theRace Free Form Text Field for Other Pacific Islander.Code 5—WhiteCode 6—Information not provided by applicant in mail, internet, ortelephone application2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020Reporting “Not Applicable”c or “Exempt”d
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsb NOTE: Use Code 6 if the applicant or borrower, or co-applicantor co-borrower does not provide the information in an applicationtaken by mail, internet, or telephone. Leave the remaining Raceof Applicant or Borrower data fields blank.Code 7—Not applicableNOTE: Use Code 7 if the requirement to report the applicant’s orborrower’s race does not apply to the covered loan or applicationthat your institution is reporting. Leave the remaining Race ofApplicant or Borrower data fields blank.Code 8—No co-applicantNOTE: Use Code 8 in the co-applicant field if there are no coapplicants or co-borrowers. Leave the remaining Race ofApplicant or Borrower data fields blank.Do not enter the same code more than once for the applicant orborrower, or any co-applicant or co-borrower, as applicable, for anycovered loan or application.If fewer than five (5) races are provided by the applicant or borrower, orby any co-applicant or co-borrower, leave the remaining Race ofApplicant or Borrower data fields blank.RACE FREE FORM TEXT FIELDS. RACE FREE FORM TEXT FIELD FOR AMERICAN INDIAN ORALASKAN NATIVE ENROLLED OR PRINCIPAL TRIBE. Enterthe name of the applicant’s or borrower’s American Indian orAlaska Native enrolled or Principal Tribe(s), if provided by theapplicant or borrower, or by any co-applicant or co-borrower, asapplicable in the Race Free Form Text Field for American132020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020Reporting “Not Applicable”c or “Exempt”d
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsb 14Indian or Alaskan Native Enrolled or Principal Tribe. Forexample, enter Navajo if provided by the applicant or borrower, orby any co-applicant or co-borrower, as applicable. Enter morethan one American Indian or Alaska Native Enrolled or PrincipalTribe, if provided by the applicant or borrower, or by any coapplicant or co-borrower, as applicable. The maximum number ofcharacters for this field is 100 characters, including spaces. If theapplicant or borrower, or any co-applicant or co-borrower did notprovide an American Indian or Alaska Native Enrolled or PrincipalTribe(s), leave the Race Free Form Text Field for AmericanIndian or Alaska Native Enrolled or Principal Tribe field blank.RACE FREE FORM TEXT FIELD FOR OTHER ASIAN. Enter thespecific other Asian race(s) not listed above, if provided by theapplicant or borrower, or by any co-applicant or co-borrower, asapplicable in the Race Free Form Text Field for Other Asian.For example, enter Hmong, Laotian, Thai, Pakistani, orCambodian, and so on, if provided by the applicant or borrower, orby any co-applicant or co-borrower, as applicable. Enter morethan one other Asian race, if provided by the applicant or borrower,or by any co-applicant or co-borrower, as applicable. Themaximum number of characters for this field is 100 characters,including spaces. If the applicant or borrower, or any co-applicantor co-borrower, did not provide another Asian race(s), leave theRace Free Form Text Field for Other Asian field blank.RACE FREE FORM TEXT FIELD FOR OTHER PACIFICISLANDER. Enter the specific Other Pacific Islander race(s) notlisted above, if provided by the applicant or borrower, or by any coapplicant or co-borrower, as applicable in the Race Free FormText Field for Other Pacific Islander. For example, enter Fijian,2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020Reporting “Not Applicable”c or “Exempt”d
Effective January 1, 2020Data pointRegulation CreferencesDescriptionFiling instructionsbor Tongan, and so on, if provided by the applicant or borrower, orby any co-applicant or co-borrower, as applicable. Enter morethan one Other Pacific Islander race, if provided by the applicant orborrower, or by any co-applicant or co-borrower, as applicable.The maximum number of characters for this field is 100 characters,including spaces. If the applicant or borrower, or any co-applicantor co-borrower, did not provide an Other Pacific Islander race(s),leave the Race Free Form Text Field for Other Pacific Islanderfield blank.RACE COLLECTED ON THE BASIS OF VISUAL OBSERVATION ORSURNAME. Indicate whether the race of the applicant or borrower, or ofthe first co-applicant or co-borrower, as applicable, was collected on thebasis of visual observation or surname by entering: Code 1—Collected on the basis of visual observation or surname Code 2—Not collected on the basis of visual observation orsurname Code 3—Not applicableNOTE: Use Code 3 if the requirement to report the applicant’s orborrower’s race does not apply to the covered loan or applicationthat your institution is reporting. Code 4—No co-applicantNOTE: Use Code 4 in the co-applicant field if there are no coapplicants or co-borrowers.If there is more than one co-applicant or co-borrower, provide therequired information only for the first co-applicant or co-borrower listedon the collection form.152020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020Reporting “Not Applicable”c or “Exempt”d
Effective January 1, 2020Data point(18) SexRegulation Creferences§ 1003.4(a)(10)(i),Comments4(a)(10)(i)-1 and -2and appendix BDescriptionFiling instructionsbReporting “Not Applicable”c or “Exempt”dApplicant’s orborrower’s ethnicity,race, and sex, and ifinformation wascollected by visualobservation orsurnameSEX OF APPLICANT OR BORROWER. Indicate the sex of theapplicant or borrower, or of the first co-applicant or co-borrower, asapplicable, by entering: Code 1—Male Code 2—Female Code 3—Information not provided by applicant in mail, internet, ortelephone applicationNOTE: Use Code 3 if the applicant or co-applicant does notprovide the information in an application taken by mail, internet,or telephone. Code 4—Not applicableNOTE: Use Code 4 if the requirement to report the applicant’s orborrower’s sex does not apply to the covered loan or applicationthat your institution is reporting. Code 5—No co-applicantNOTE: Use Code 5 in the co-applicant field if there are no coapplicants or co-borrowers. Code 6—Applicant selected both male and femaleNOTE: Use Code 6 if the applicant or co-applicant selected bothmale and female.If there is more than one co-applicant or co-borrower, provide therequired information only for the first co-applicant or co-borrower listedon the collection form.To report not applicable, enter “Code 4” for Sex ofApplicant or Borrower and “Code 3” for SexCollected on the Basis of Visual Observation orSurname for:SEX COLLECTED ON THE BASIS OF VISUAL OBSERVATION ORSURNAME. Indicate whether the sex of the applicant or borrower, or ofthe first co-applicant or co-borrower, as applicable, was collected on thebasis of visual observation or surname by entering:162020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART – VERSION 1.1, OCTOBER 16, 2020 Purchased covered loans for which the financialinstitution chooses not to report the applicant’s orco-applicant’s ethnicity, race, and s
3 2020 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING OVERVIEW REFERENCE CHART - VERSION 1.1, OCTOBER 16, 2020 . Data point Regulation C references Description Filing instructions b Reporting "Not Applicable" c or "Exempt" d NULI. If not reporting a ULI per the 2018 HMDA Rule, assign and report a NULI that: 1.
HMDA Data Collected in 2021 a This chart is intended to be used as a reference tool for data points required to be collected, recorded, and reported under Regulation C, as amended by the HMDA Rules issued on October 15,
Fair Lending & HMDA Sunday, Sept. 18, 2016, 4:45 pm Moderator: Richard H. Harvey, Jr., Chief Compliance Officer, Colonial Savings, F.A. . Early reviews will help identify training gaps based on the results of data accuracy. Also, for the next couple of years, updated HMDA Data input
financial institution resident in Hong Kong and is a tax resident in a reportable jurisdiction(s). For individuals, this definition is further broken down into the following categories: Individuals holding reportable accounts An individual who holds a reportable account and is a tax resident in a reportable jurisdiction is a reportable person.
loan records and then laboriously geocode them — that is, assign them to census tracts. A check with our regions last week showed that HMDA is most heavily used by our examiners in the New York, Chicago and other big-city regions. We find that HMDA is primarily an urban tool. Our examiners use HMDA data in three ways in connection with CRA.
A submission has been created and is ready for file upload. File Now Refile This Guide is current as of January 2020 and has not been updated to reflect amendments made to Regulation C by the 2020 HMDA thresholds final rule issued by the Bureau in April 2020. For more information on the HMDA thresholds final rule, see
All columns (except Reasons for Denial) must be completed for each entry. See the instru . Example of Application Denied 03/20/2012 . A GUIDE TO. HMDA Reporting . Getting It Right! Edition effective January 1, 2013 (for HMDA submissions due March 1, 2014 or later)
A financial institution must retain its full (unmodified) HMDA-LAR for at least three years for examination purposes. It must also be prepared to make each modified HMDA-LAR available for three years and each FFIEC disclosure statement available for five years.
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