We easily made the 3/1 HMDA deadline. However, OCC called to say that they hadn't received our submission, so could we overnight a copy. We did so on 3/18. On 3/21, we got a fax scolding us for not yet submitting our HMDA-LAR. I showed our CEO the receipt for the $12.45 overnight fee, so he called OCC. They said they are two weeks behind in clearing their mail, so we should e-mail it. (1) If they are two weeks behind in clearing mail, why are they bugging us instead of their mailroom? (2) I guess it's just their little way of forcing conformity to the way they want things done (e-mail). Personnaly, I think it's just a matter of time before there is one all-powerful regulatory agency, and its pronouncements will come from Basel, Switzerland. End of vent.