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This is the place where BOL brings together: articles, guru questions, links to external resources, quick access to the reg and background commentary published in the Federal Register, HMDA-related tools, threads, e-cards, and excerpts from relevant portions of our Executive Briefings to help you comply.
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A collection of guru questions and answers.Guru Chatter on HMDA.
HMDA Articles
- HMDA - Define Temporary Financing
- HMDA Lobby Notice Posting
- P and I Payments - HMDA Reporting
- HMDA File Review - LAR Requirements
- Asset Size - HMDA Reporting
- HMDA Triggering Loan
- Tracking for Census Tracts
- HMDA Reporting - Reverse Mortgages
- Acquisition & Merger - HMDA Reporting Requirements
- HMDA Reporting on Bahamian Condo
- HMDA Reporting - Loan to Purchase a Storm Cellar
- HMDA Filing Help
- Assisted Living Facility - HMDA & CRA Reportable?
- HMDA Reporting - Dwelling Being Converted to Office
- HMDA Reporting on Commercial Loans
- HMDA Reporting - Dollar Amount
- Borrower Isn't Homeowner, HMDA Reportable?
- HMDA - Transaction Secured by Other Dwelling
- Is a HI Loan Secured by Auto HMDA Reportable?
- Early Disclosures and HMDA - Refinance
- HMDA Classification - Log Home
- Are Subprime Loans HMDA Reportable?
- HMDA, HELOCs and Monitoring Information
- Mixed Use Property - HMDA Reportable?
- We Don't Report HELOC's Under HMDA, However...
- Borrower Isn't Homeowner, HMDA Reportable?
- HMDA - Classify Loan as 1-4 or Mobile home?
- Motel as Collateral on Business Loan, Reportable?
- HMDA Reporting Issues on Temporary Financings
- With or Without Monitoring Information
- Secured by a Different Dwelling, HMDA Reportable?
- HMDA Reportable?
- Initial Application Date for HMDA Purposes
- HMDA - Definition of a Refinance.
- Incomplete HMDA Applicant Info - Contacting Broker
- HMDA - Which Date Do I Report?
- Is This Refinanced Business Loan HMDA Reportable
- Mobile Homes and HMDA
- HMDA Reporting & the "Short Term" Loan
- Is this application withdrawn, incomplete, or ???
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Whens & Whats of Written Preapproval Program
- Does HMDA Apply to THIS Business Loan?
- HMDA on a Commercial Loan
- Grossing Up HMDA Income
- Will HMDA Lead to Litigation?
- Definition of Temporary Financing
- Loan Denial Notice
- Do we HMDA a Loan for New Appliances?
- We've filed our HMDA LAR - what next?
- HMDA -- Recording a Withdrawn Application
- Are Home Equity Loans HMDA-Reportable?
- HMDA, Home Purchase Loans and the "Date of Action"
- Frequency of a Rate Spread "Hit"
- Temporary Financing Under Reg. C
- Government Monitoring Information
- Guru Compilation: HMDA (PDF)
- FRB rep clears up Reg C's gray areas
- HMDA Refi Test
- Posting the HMDA Notice for a New Reporter
- Commercial Loan Now HMDA Reportable
- HMDA Home Improv. Reportable
- Prequals Under HMDA
- HMDA Revision of Definitions/Rules
- Calculating the Rate Spread
- Business Purpose Loan, Residential Refinance, and HMDA
- First Time HMDA Reporter Has Questions
- Do Commitment Letters qualify as a Preapproval?
- When to Audit HMDA 2004 Information
- New HMDA Sign
- HMDA Info on Brokered Loans
- Reporting Small Dollar Withdrawn App
- Lien Status Reporting Under HMDA
- HMDA: Final HMDA Rules for 2004
- Is new information required on every application?
- Lien Status Reporting Under HMDA
- What Are The Upcoming Changes In Reg C/HMDA
- HMDA Changes Finalized
- 2004 HMDA Reporting Checklist?
- 2004 HMDA Preapproval Rule Procedure
- Under the Revised HMDA Regs
- Privacy, Compliance, and Disclosures
- What Do the Revisions to Regulation C Mean?
- Oh, Look! More C: FRB Expands HMDA Coverage
Here are classic Q&As that can still help you improve your compliance today.
- Guru Wisdom on HMDA, 2003
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HMDA TRAINING
With so many questions pertaining to the many facets of HMDA rules, training is vital to your success. Gathering data is important, and it must be done correctly, but remember why you have to collect this in the first place. It is a foundation for fair lending and CRA analysis. It has to be right for many reasons. You'll find a wealth of training options available through BankersOnline.com and its partners.
CD ROM Training from BOL Learning Connect:
Analyzing HMDA Data, presented by Jack Holzknecht. This two-hour program provides the tools needed to analyze the 2005 data that was made available to the public in July 2006 and the tools to analyze data that is being collected during 2006 and will be available during 2007.
Training Video from Bankers' Video Library:
HMDA: The Lender's Challenge, with script by Phillips G. Gay and Lucy Griffin, Paragon Compliance Group. This video is designed to help all front line staff understand the what, why, how, and when of HMDA.
CD ROM Training from BOL Learning Connect:
HMDA Data Submission, presented by Phil Gay and Charles Cabler. This program helps you understand the analysis of previous and current data to help you formulate strategies for a successful submission and positive communications with the public and regulators.
CD-ROM Training from BOL Learning Connect:
Applications: Preapprovals and Prequalifications,presented by David Dickinson.
BOL Featured Product
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HMDA Tools
HMDA Refi Cheat Sheet
Jeanette Nichols CRCM,a consultant for First Colebrook Bank in Colebrook, NH contributed this HMDA cheat sheet for guidance on the applicability of HMDA reporting for refinanced loans. This is unique with its graphical and fun interface. There are quick definitions and three scenarios for refi reporting to keep your data accurate.
HMDA Getting It Right Primer
Jeanette also contributed this document which covers the basics of what accounts should be on the HMDA LAR. In addition there are loan scenarios and explanations as to why they should or should not be reported.
Government Monitoring Information Rules
Tony Price of Legacy Bank, Weatherford, OK has compiled some charts along his compliance path. This compares differences betweem Regulations B and C as to what is an applicant, the purpose of the loan, occupancy status and much more.
HMDA Worksheet
After noticing that for ethnicity, race and sex on the HMDA worksheet there was no space for the applicant or coapplicant data, Rick Bauer of Farmers Citizens Bank in Bucyrus, OH modified it and has shared the modified version with us.
HMDA Workflow
Banker's Compliance Consulting has prepared a workflow sheet to help you determine what is reported.
HMDA MSA and Micropolitan SA Spreadsheet
This tool from Don Narup, frequent Threads poster and head of CRA Information Services is an Excel spreadsheet which will help get you up to speed on changes to MAs for HMDA purposes.
Monitoring Information Collection Guide
Jim Bedsole has prepared a handy guide for determining when government monitoring information should be asked for by financial institutions subject to HMDA. Ellen Cavanaugh has updated these and provided some additional tools.
HMDA Data Collection Worksheet
Designed by Nancy Anderson and updated by Dan Persfull, here is a tool to help lenders capture data necessary for HMDA reporting. It's in Word .doc format.
Dave Majowski provided a HMDA Input Reporting Worksheet. He validates all information compiled on this sheet by loan officers, calculate the rate spread if necessary, then keys it in the HMDA software. It's in Word .doc format.
Dan also provided a separate HMDA Data Collection form for those times when GMI is required, but a URLA 1003 isn't used.
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HMDA e-Cards
Cards for those special individuals who have to contend with monitoring information collection, data scrubbing, and LAR completion.
 We cordially invite you to become a member of our little club!
SEND THIS CARD
 It was bad before, but with the revisions, things are really heating up!
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 Bet you know the feelings that inspired this card!
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 Time to celebrate!
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HMDA-related Products, Publications
& Training Manuals
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