A Guide to HMDA Reporting - ffiec

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Appendix A to Part 203 Form and Instructions for Completion of HMDA Loan/Application Register A-14
Appendix B to Part 203 Form and Instructions for Data Collection on Ethnicity, Race, and Sex I. Instructions on Collection of Data on Ethnicity, Race, and Sex You may list questions regarding the ethnicity, race, and sex of the applicant on your loan application form, or on a separate form that refers to the application. (See the sample form below for model language.) II. Procedures A. You must ask the applicant for this information (but you cannot require the applicant to provide it) whether the application is taken in person, by mail or telephone, or on the Internet. For applications taken by telephone, the information in the collection form must be stated orally by the lender, except for that information which pertains uniquely to applications taken in writing. B. Inform the applicant that the federal government requests this information in order to monitor compliance with federal statutes that prohibit lenders from discriminating against applicants on these bases. Inform the applicant that if the information is not provided where the application is taken in person, you are required to note the data on the basis of visual observation or surname. C. You must offer the applicant the option of selecting one or more racial designations. D. If the applicant chooses not to provide the information for an application taken in person, note this fact on the form and then note the applicant’s ethnicity, race, and sex on the basis of visual observation and surname, to the extent possible. E. If the applicant declines to answer these questions or fails to provide the information on an application taken by mail or telephone or on the Internet, the data need not be provided. In such a case, indicate that the application was received by mail, telephone, or Internet, if it is not otherwise evident on the face of the application. B-1
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 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
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: The sample adopted by the Board in
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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