Reporting is optional to the bank.
This came about as the early lines of credit were processed and maintained on software designed for credit cards (initial amount, draws and repayments, billed on outstanding balance, etc.). Since the software, unlike mortgage software, did not have the abilities to capture a lot of the HMDA information, the ABA put up a good fight (I believe the late 1980's) to have them as optional reporting. It has stuck.
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Integrity. With it, nothing else matters. Without it, nothing else matters.