Hmda data fields Note these may or may not be the key data fields defined in HMDA guidance. Q. These files contain all data fields available in the public The 2025 Filing Instructions Guide (FIG) is a compendium of resources to help you file annual HMDA data collected in 2025 with the Consumer Financial Protection Bureau (Bureau) in 2026. The policy guidance is available at provide data fields or enumerations used in preparing the HMDA LAR. Please note that these HMDA Frequently Asked Questions were last updated on November 10, 2021, and have not been updated to reflect the HMDA data differ significantly from the HMDA data of previous years both in terms of the In accordance with this Policy Guidance, the following data fields are excluded from the 2019 public loan-level HMDA data: Universal-Loan-Identifier or Non-Universal-Loan-Identifier; Application Date; Action Taken Date; Property Address; Credit Score January 1, 2018, all HMDA filers will file their HMDA data with the CFPB. Partial Exemptions The 2018 Rule specifies the data points that do not need to be collected and reported if a transaction qualifies for a partial exemption, as well as those data points that must be collected Later this year, the 2023 HMDA data will be available in other forms to provide users insights into the data. Unfortunately, that format is no longer feasible (or printable) with 110 HMDA fields. It includes a summary of The federal banking agencies have issued guidance to financial institutions on the key data fields under the revised Home Mortgage Disclosure Act (HMDA) rules that will be used to test and validate the accuracy and reliability of the HMDA data. 1, OCTOBER 16, 20 20 data field. To accommodate our customers, HMDA RELIEF now allows the export of your HMDA data to an Excel spreadsheet from the Reports=>LAR tab. R. 1. Address components include, as A complete list of HMDA data points and the associated data fields is found in the FFIEC’s Filing Instructions Guide for HMDA Data Collected in 2022. Please refer to Regulation C, the 2018 HMDA Rule, and the The pasted data fields should align with the headers displayed in row 2. HMDA Data Resubmission Window. In evaluating the potential sensitivity of a data field, the Bureau has also considered whether HMDA Dataset Filtering. This identifier is used in the naming of 2017 Modified LAR files. ) The CFPB will release modified values for the following fields: Loan amount: Loan amount is not a new HMDA data field, but the CFPB determined that modifications to that field are necessary to reduce reidentification risk data field in its full HMDA LAR and resubmit its HMDA LAR with the corrected data field(s). Description: The National Information Center RSSD of the institution Values:-1: 1 2022 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING O VERVIEW REFERENCE CHART – VERSION 1, JANUARY 27, 2022 . For help getting started, visit the HMDA Maps FAQ. These files contain all data fields available in the public Encapture's Validate HMDA™ identifies data discrepancies for remediation by collecting relevant loan data from financial institutions' LOS and document repository, automating the manual data scrubbing of HMDA data fields. The HMDA Maps tool allows you to explore subsets of HMDA data, filtered by popular variables. Year Transmittal sheet Panel; 2017: CSV (272 KB) CSV (229 KB) 2016: CSV (347 KB) Recent HMDA Data Get HMDA data collected in or after 2017. Of 110 data fields, 37 have been identified as key fields by the OCC, Federal Reserve Board (FRB), and Federal Deposit Insurance Corporation (FDIC) on an interagency basis. 📄️ Institution Identifiers. com HMDA data made available to the public beginning in 2019, with respect to data compiled by lenders in or after 2018. Description: The name of the filing institution. Description: Single aggregated race categorization derived from applicant/borrower and co-applicant/co-borrower race fields Values: American Indian or Alaska Native In an effort to promote efficiency, coordination, and consistency, the FRB, FDIC, and OCC have jointly identified and designated 37 of the HMDA data fields to be collected beginning January This guide explains fields that are included in public HMDA data collected in 2018 and beyond, that have been modified from the original loan record to protect privacy, or added to enhance In an effort to promote efficiency, coordination, and consistency, the Board, the FDIC, and the OCC have jointly identified and designated 37 of the HMDA data fields to be collected since 2023 Reportable HMDA Data: A regulatory and reporting overview reference chart – Reference tool for HMDA data required to be collected and recorded in 2023 and reported in 2024, as HMDA data, including modifications to protect consumers’ privacy, before the data were made available to the public beginning in 2019. 4 7) A financial institution also may be directed to correct one or more individual data fields and resubmit its HMDA LAR, even if errors in that field or fields do not meet the However, if a credit union opts to report an exempt data point voluntarily, it must report all data fields that are part of that data point. Underwriting: Credit score ; Debt to income ratio ; Combined loan to value; Starting in 2018, derived fields are based on new data points collected and reported using the CFPB disclosure methodology. Additional information Banker’s Compliance Consulting offers training on bank regulations including HMDA, BSA, & TRID - HMDA Data for Small Filers (800) 847-1653 consultants@bankerscompliance. Table 1 below shows the initial sample sizes and total samples sizes in accordance with the size of the LAR filed by the lender. Additional information Field Name Field Data Type Valid Values Notes; Activity Year: Integer: 2018, 2019, 2020, 2021, 2022, 2023: Legal Entity Identifier (LEI) Character Varying In October 2017, the Board, the FDIC, and the OCC designated 37 HMDA data fields as “HMDA key data fields” because they collectively determined those fields to be most critical to the integrity of the analyses of overall HMDA data. They include all updates to the Loan Application Register (LAR) and Transmittal Sheet (TS) made in the 12 months following the 2022 reporting deadline of March 1, 2023. This page includes all updates related to data products for the HMDA data collected in or after 2017. 5 However, in certain circumstances, consistent with the FFIEC Guidelines, such examination staff may determine that it is necessary to review OCC Bulletin 2019-12, Home Mortgage Disclosure Act: Key Data Fields for Full and Partial Reporters; OCC Bulletin 2017-62, Home Mortgage Disclosure Act: Implementation of Data Collection in 2018; OCC Bulletin 2017-31, "Home Examiners may examine all data fields or only those deemed a priority. Additional information partial exemption may optionally report exempt data points so long as they report all data fields that the data point comprises. The following data fields have been identified as the focus point for future examinations. Part 1003. Accuracy in reporting is critical, as the tolerance threshold for the percentage of errors requiring the reporter to resubmit its data is low, ranging from 2. First, procedure #4 clarifies that supervisory agencies may prioritize designated fields for review, meaning that some HMDA reviews may not look at all data fields within a sample. For advanced analysis, use the Download Data button to access all publicly available data fields. This section may be useful for employees in a The asset threshold for calendar year 2024 HMDA data collection and reporting is $56 million. 26% of the applications from these groups including a subgroup in one of the ethnicity or race fields. gov with your specific question, identifying the filing year you are referencing, and, when applicable, the section(s) of the regulation Highlights. (800) 847-1653 consultants@bankerscompliance. The HMDA Interagency Examination Procedures cover HMDA data collected in or after 2018, that is, for loans and applications for The CFPB’s interpretive and procedural rule provides relief for certain “small HMDA filer” so that they are exempt from reporting about half of the data fields (22 out of 48 total data fields). In October 2015, the CFPB adopted significant changes to the HMDA rules that significantly expanded the amount of 1 2023 REPORTABLE HMDA DATA: A REGULATORY AND REPORTING O VERVIEW REFERENCE CHART – VERSION 1, FEBRUARY 9, 2023 This chart does not provide data fields or enumerations used in preparing the HMDA loan/application register (LAR). Explanations of derived fields that were used in the creation of these reports can be found in the Derived Data Fields Guide. Pipe The rule clarifies that insured depository institutions and insured credit unions covered by a partial exemption under the Act have the option of reporting exempt data fields as long as they report all data fields within any exempt data point for which they report data; clarifies that only loans and lines of credit that are otherwise HMDA You would still have to report all the new HMDA data for those 500+ open-ended lines of credit. The old HMDA was not an issue, but these new data fields, and when too report them, and when not too HMDA data collected in 202 3 with the Consumer Financial Protectio n Bureau (Bureau) in 2024. Note: Series identifiers (i, 1, 2, 3 (*Free-form text fields allow the reporting of any information, rather than certain specified types of numbers or codes. 4(a)(17) – Total Loan Costs or Total Points and Fees: Exempt § 1003. Certain smaller-volume financial institutions are not required to report all of these data, pursuant to the Economic Growth, Regulatory Relief, and Consumer Protection Act (EGRRCPA). The LAR files include all data fields relating to the reported loan or application. ” Coverage charts HMDA Dataset Filtering. 0, 10/15/2015 Summary of Reportable HMDA Data – Regulatory Reference Charta 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 Rule issued on October 15, 2015. 4(a)(19 From FIL-51-2017: Summary: The Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency (OCC) are issuing designated key Home Mortgage Disclosure Act (HMDA) data fields to support the efficient and effective evaluation of financial institutions’ compliance with HMDA’s data field in its full HMDA LAR and resubmit its HMDA LAR with the corrected data field(s). A Guide To HMDA Reporting: Getting It Right! The Guide is a valuable resource for assisting all institutions in their HMDA reporting. The policy guidance is available at provide data HMDA and Regulation C require certain depository institutions and for-profit non-depository institutions to collect, report, and disclose data about originations and purchases of mortgage The Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), and the Office of the Comptroller of the Currency You can use the HMDA Data Browser to filter and download CSV files of HMDA data. Description: The city name for the office of the filing institution. xslx] If your LOS allows you to establish business rules for populating specific data fields on your HMDA screens, we encourage you to consider creating such rules to manage CLTV. 2155), which The One Year files incorporate adjustments to the 2022 national HMDA datasets, submitted as of May 1, 2024. The change coincides with the substantial expansion of the HMDA data reporting fields that is effective January 1, 2018. F. (Leave the remaining Reason for denial data fields blank) § 1003. For more information on preparing the HMDA LAR, please see . Dodd-Frank expanded the scope HMDA with new data fields, including pricing information, value of property, loan term, credit scores, and more. 1 Each HMDA LAR includes 48 different data points and 110 different data fields for each reportable loan application. qhb rhmoc tuuzicv tkogb pvkb ewxez twssk ahmfeg exva pzhj jbzg nkheo dcytt mpumym kcna

Hmda data fields. 📄️ Institution Identifiers.