A Guide to HMDA Reporting - ffiec

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Checklists for Completing and Certifying the LAR Checklist for Person Completing the LAR Regulation C requires that an officer certify the accuracy of the LAR. Before presenting the data to the certifying officer for review and signature, review the following checklist and make sure the answer to every question is “yes.” Also review the checklist provided on the next page for the certifying officer. A. Transmittal Sheet 1. Is a completed transmittal sheet included with your LAR in the automated submission (or, if your institution has 25 or fewer LAR entries and reports data in paper form, is the transmittal sheet attached to your loan register)? ................................................ 2. Does the transmittal sheet indicate the name and address where you want your institution’s disclosure statement to be sent? ..................................................... 3. Are the name, telephone and facsimile numbers, and e-mail address of the contact person provided? ....................................................................................................... 4. Does the transmittal sheet provide your institution’s reporter and Federal tax identification numbers? .............................................................................................. 5. Does the transmittal sheet provide a record count of the total number of line entries on that particular submission? (For example, if your institution has to resend data for any reason, the record count on the transmittal sheet must correspond to that submission.) ..................................................................................................................... 6. If applicable, does the transmittal sheet contain the parent name, address, city, state, and zip code? ................................................................................................... B. Loan/Application Register 1. Did you use the LAR format prescribed by the Federal Reserve Board? ................... 2. Does the register contain the consolidated loan data from the different divisions or branches of your institution, all of which must be submitted in one package? ........... 3. Has every column been properly completed (showing the data requested and the codes as applicable) leaving no column blank (except for the “Reasons for denial” column, which is optional for lenders other than those supervised by the OCC and OTS)? ............................................................................................... 4. Are the Metropolitan Statistical Area (MSA) or Metropolitan Division (MD) numbers listed on the register five digits in length with no leading zeros? ................................ 5. Do the census tract numbers listed on the register include zeros and decimal points? (Example: report census tract 8.02 as 0008.02, not 802, 0802, or 8.) ............ 6. Have the rate spreads listed on the register been entered to two decimal places, and do they include the decimal point and any leading or trailing zeros? .................. 7. Have you verified that no duplicate application or loan numbers appear in your institution’s register—including the entries of any divisions or branches? (Adding a letter or digit in front of each identification number, for example, will help differentiate among the lending activity for various offices or branches.) ........................... 8. Have the dollar amounts been reported in thousands and rounded to the nearest thousand? (Example: $20,400 is 20; $1.5 million is 1500.) ......................................... 9. If you meet the criteria for nonautomated submissions and are choosing to submit your register in paper form, has it been typewritten or computer printed and does it show the total number of pages? ................................................................................ 10.If you are sending your HMDA submission via e-mail, is your file properly encrypted using the FFIEC data entry software encryption utility? .............................................. YES NO 23
Checklists for Completing and Certifying the Checklist for the Certifying Officer LAR Regulation C requires that an officer certify the accuracy of the LAR. The following checklist will help you in this review. The answer to each of questions 2–8 must be “yes.” 24 1. Has your institution acquired or merged with another institution during the reporting year? If so, refer to pages 5–6 of this Guide. ........................................................ 2. If you report more than 25 entries, has your institution’s loan/application register been prepared in an automated format, using the correct format for automated reports, and following the instructions from your supervisory agency? .................... 3. Does your LAR use the same column headings in the same order as on the LAR provided in Appendix A to this Guide? (Column headings may be abbreviated, so long as the meaning remains clear.) .......................................................................... 4. Does the register include the consolidated loan data from all of your institution’s divisions or branches (including loans and applications handled by your commercial loan division, if applicable)? ................................................................................ 5. Does the register exclude loan data from any subsidiaries of your institution (which must report separately)? ................................................................................. 6. Does the register list the MSA or MD number, state and county codes, and 2000 census tract numbers for all entries for properties located in MSAs or MDs where you have a home or a branch office? .......................................................................... 7. Are all the census tract numbers on the register from the 2000 census tract series? ......................................................................................................................... 8. If your institution is required under Community Reinvestment Act regulations to report property location outside MSAs or MDs where you have offices, have these data been entered? ..................................................................................................... YES NO
Page 1 and 2: EDITION EFFECTIVE January 1, 2006 (
Page 3 and 4: 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: Submitting the LAR 22 Officer’s C
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
Page 39 and 40: 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
Page 53 and 54: * Read: a loan not secured by a lie
Page 55 and 56: (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 and 116:
Ritchie* (085) Roane* (087) Summers
Page 117 and 118:
Appendix G Federal Supervisory Agen
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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A Guide to HMDA Reporting - ffiec

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