A Guide to HMDA Reporting - ffiec

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Appendix F Sublette* (035) State and County Sweetwater (037) Codes and MSA/MD Numbers Teton* (039) Uinta* (041) Washakie* (043) Weston* (045) F-32 Puerto Puerto Rico Rico (72) (72) (72) Adjuntas* (001) Aguada (003) - MSA 10380 Aguadilla (005) - MSA 10380 Aguas Buenas* (007) - MSA 41980 Aibonito* (009) - MSA 41980 Añasco* (011) - MSA 10380 Arecibo (013) - MSA 41980 Arroyo* (015) - MSA 25020 Barceloneta* (017) - MSA 41980 Barranquitas* (019) - MSA 41980 Bayamón (021) - MSA 41980 Cabo Rojo (023) - MSA 41900 Caguas (025) - MSA 41980 Camuy (027) - MSA 41980 Canóvanas (029) - MSA 41980 Carolina (031) - MSA 41980 Cataño (033) - MSA 41980 Cayey (035) - MSA 41980 Ceiba* (037) - MSA 21940 Ciales* (039) - MSA 41980 Cidra (041) - MSA 41980 Coamo (043) Comerío* (045) - MSA 41980 Corozal (047) - MSA 41980 Culebra* (049) Dorado (051) - MSA 41980 Fajardo (053) - MSA 21940 Florida* (054) - MSA 41980 Guánica* (055) - MSA 49500 Guayama (057) - MSA 25020 Guayanilla* (059) - MSA 49500 Guaynabo (061) - MSA 41980 Gurabo (063) - MSA 41980 Hatillo (065) - MSA 41980 Hormigueros* (067) - MSA 32420 Humacao (069) - MSA 41980 Isabela (071) - MSA 10380 Jayuya* (073) Juana Díaz (075) - MSA 38660 Juncos (077) - MSA 41980 Lajas* (079) - MSA 41900 Lares (081) - MSA 10380 Las Marias* (083) Las Piedras (085) - MSA 41980 Loíza (087) - MSA 41980 Luquillo* (089) - MSA 21940 Manatí (091) - MSA 41980 Maricao* (093) Maunabo* (095) - MSA 41980 Mayagüez (097) - MSA 32420 Moca (099) - MSA 10380 Morovis* (101) - MSA 41980 Naguabo* (103) - MSA 41980 Naranjito* (105) - MSA 41980 Orocovis* (107) - MSA 41980 Patillas* (109) - MSA 25020 Peñuelas* (111) - MSA 49500 Ponce (113) - MSA 38660 Quebradillas* (115) - MSA 41980 Rincón* (117) - MSA 10380 Río Grande (119) - MSA 41980 Sabana Grande* (121) - MSA 41900 Salinas (123) San Germán (125) - MSA 41900 San Juan (127) - MSA 41980 San Lorenzo (129) - MSA 41980 San Sebastián (131) - MSA 10380 Santa Isabel* (133) Toa Alta (135) - MSA 41980 Toa Baja (137) - MSA 41980 Trujillo Alto (139) - MSA 41980 Utuado (141) Vega Alta (143) - MSA 41980 Vega Baja (145) - MSA 41980 Vieques* (147) Villalba* (149) - MSA 38660 Yabucoa (151) - MSA 41980 Yauco (153) - MSA 49500
Appendix G Federal Supervisory Agencies Below are the addresses and telephone numbers for: • submitting data, • inquiring about technical aspects of data submission, and • seeking guidance about compliance with HMDA (see pages G-2 through G-5). Submission of Data You are strongly encouraged to submit your loan/application register as a valid encrypted file (hmdaencr.enc) via Internet e-mail. If you elect to use this method of transmission and your institution is regulated by the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the National Credit Union Administration, the Office of Thrift Supervision, or the Department of Housing and Urban Development, then you should submit your institution’s files to the Internet e-mail address dedicated to that purpose by the Federal Reserve Board, which can be found on the web site of the FFIEC. If your institution is regulated by one of the foregoing agencies and you elect to submit your data by regular mail, then use the following address: HMDA Federal Reserve Board Attention: HMDA Processing, (insert name of your institution’s regulatory agency) 20 th & Constitution Ave, NW MS N502 Washington, DC 20551-0001 If your institution is regulated by the Federal Reserve System, you should use the Internet e-mail or regular mail address of your district bank indicated on the web site of the FFIEC. Regular mail addresses can also be found below at page G-4. Technical Questions about Submission All institutions may direct technical questions about automated submissions by phoning (202) 452-2016 and choosing the option for technical questions or e-mailing HMDAHELP@frb.gov. Questions about Compliance Office of the Comptroller of the Currency For national banks and their subsidiaries and federal branches and federal agencies of foreign banks Direct compliance questions to the OCC District Office serving your district: Central District One Financial Place, Suite 2700 440 South LaSalle Street Chicago, IL 60605 (312) 360-8800 FAX (312) 435-0951 Illinois, Indiana, Kentucky, Michigan, Minnesota, North Dakota, Ohio, South Dakota, Wisconsin G-1
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EDITION EFFECTIVE January 1, 2006 (
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Contents Foreword _________________
Page 5 and 6:
Foreword A Guide to HMDA Reporting:
Page 7 and 8:
Introduction An institution must tr
Page 9 and 10:
Coverage Criteria for Other Mortgag
Page 11 and 12:
Who Must Report If the institutions
Page 13 and 14:
Data Reporting ¢ For loans sold in
Page 15 and 16:
Completing the LAR Step by Step 10
Page 17 and 18:
Completing the LAR MULTIPURPOSE LOA
Page 19 and 20:
Completing MSA/MD numbers, state co
Page 21 and 22:
Completing the LAR Step by Step 16
Page 23 and 24:
Sources of Geographic Information (
Page 25 and 26:
Sources of Geographic Information (
Page 27 and 28:
Submitting the LAR 22 Officer’s C
Page 29 and 30:
Checklists for Completing and Certi
Page 31 and 32:
Submitting the LAR 26 Resubmitting
Page 33 and 34:
Glossary 28 Branch office. For bank
Page 35 and 36:
Appendix A to Part 203 Form and Ins
Page 37 and 38:
the total amount of the refinancing
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series) [1] , enter “NA”(even i
Page 41 and 42:
applicant information is unavailabl
Page 43 and 44:
e. Code 6 for: Unable to verify cre
Page 45 and 46:
the foregoing agencies and you elec
Page 47 and 48:
The sample adopted by the Board in
Page 49 and 50:
Appendix B to Part 203 Form and Ins
Page 51 and 52:
Appendix C Regulation C (Home Mortg
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* Read: a loan not secured by a lie
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(11) The type of entity purchasing
Page 57 and 58:
easonable fee for any cost incurred
Page 59 and 60:
D-2 must report the action taken on
Page 61 and 62:
D-4 2. 3. coverage test for a given
Page 63 and 64:
D-6 square footage or by the income
Page 65 and 66: D-8 and may report the property typ
Page 67 and 68: D-10 institution reports the date t
Page 69 and 70: D-12 date the institution acquired
Page 71 and 72: D-14 backed securities are to be tr
Page 73 and 74: D-16 7. Transmittal sheet—additio
Page 75 and 76: Appendix E Home Mortgage Disclosure
Page 77 and 78: tistical area, metropolitan statist
Page 79 and 80: the loan application register infor
Page 81 and 82: Stat. 524, 525, 526); Dec. 19, 1991
Page 83 and 84: [12 USC 2806. As amended by H. Res.
Page 85 and 86: Appendix F State and County Codes a
Page 87 and 88: Lonoke (085) - MSA 30780 Madison* (
Page 89 and 90: Lee (071) - MSA 15980 Leon (073) -
Page 91 and 92: Bonner (017) Bonneville (019) - MSA
Page 93 and 94: St. Joseph (141) - MSA 43780 Scott*
Page 95 and 96: Seward* (175) Shawnee (177) - MSA 4
Page 97 and 98: Franklin* (007) Hancock (009) Kenne
Page 99 and 100: Sherburne (141) - MSA 33460 Sibley*
Page 101 and 102: Warren* (219) - MSA 41180 Washingto
Page 103 and 104: New New Mexico Mexico (35) (35) Ber
Page 105 and 106: Dickey* (021) Divide* (023) Dunn* (
Page 107 and 108: Oregon Oregon (41) (41) Baker* (001
Page 109 and 110: Pennington (103) - MSA 39660 Perkin
Page 111 and 112: Hansford* (195) Hardeman* (197) Har
Page 113 and 114: Bath* (017) Bedford (019) - MSA 313
Page 115: Ritchie* (085) Roane* (087) Summers
Page 119 and 120: New York Regional Office 20 Exchang
Page 121 and 122: Federal Reserve Bank of Boston 600
Page 123: Appendix H General Notice Poster Re
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