Wanted to check with others to see how you handle the following: A loan has been made and the clients resided in the property. It goes into to foreclosure and no one bids on property so the bank buys the property. So the loan has been cancelled and the bank takes the real estate. Same process if customer gives us the deed in lieu of foreclosure. Would these be a HMDA reportable transaction? We understand and do report repurchases, but don't feel these situations fall into that category. Thanks!