I know that Regulation C is clear when it requires banks to retain a copy of its submitted HMDA-LAR for at least three years. What happens if, as an institution of under $250 million, we are examined for compliance every 4 years and they ask for the LAR since the previous exam? What if we destroyed it per Regulation C? I'm thinking we are fine. Thank you.

Tell them to download it from the FFIEC site if they want it.

http://www.ffiec.gov/hmda/hmdaproducts.htm

Now arent you glas i told you about that?

Couldn't wait to use my new found knowledge - thanks KB.