I actually didn't have any issues this year, but had some major issues last year. I think I ended up have to resubmit my data last year.

This year I submitted our HMDA data by email on Wednesday around 12:30, received my edit list before 12:40 and actually just received my final confirmation letter a couple minutes ago.

When the edit list was emailed to me that fast I almost fell out of my chair.

Well once I put the correct email address in the transmittal I didn't have any issues either.....

I received submitted my edit report and received confirmation on the same day for the bank, but today marks a week and no confirmation letter for the mortgage company.

I've sent two emails to HMDAHelp and have heard nothing. They sent the edit report, so I know they received the data, but no response to the edit reply.

Question - I am looking for guidance to see if my institution must submit data on closed loans we purchased but did not make the credit decision on. I found this info below which says the lender making the credit decision must report, however, it goes on to say that an investor should report purchased loans.

This is our first time filing for the bank. Is this normal????

We filed a few weeks ago and received and responded to the edit report. Today though we received this from HMDAHELP.

NONCOMPLIANT AND OVERDUE- RESUBMISSION REQUIRED

Thank you for submitting your HMDA data via the Internet; unfortunately, your data file was NOT IN COMPLIANCE with HMDA reporting requirements (i.e., you did not submit a valid encrypted file). For file specification guidelines and FAQs, please review: http://www.ffiec.gov/hmda/fileformats.htm http://www.ffiec.gov/hmda/faq.htm The 2015 HMDA data submission was due March 1, 2016 and is now OVERDUE. RESUBMIT a properly encrypted compliant data file to HMDASUB@frb.gov. We are deleting the e-mail and data has NOT been processed for your institution. HMDA Submission Checklist
6) Prepare your HMDA data submission. 7) Download a free copy of the FFIEC HMDA Data Entry Software (http://www.ffiec.gov/software/default.aspx).
8) 'Import' the correctly formatted 2015 'HRID_Agency_Year.dat' file for editing purposes.
9) Run the 'Batch Edit' on the HMDA data and correct all validity errors.
10) Choose Submission Option 1 or 2. Option 1, 'Submission via Web', is the preferred, most secure and convenient method for HMDA data submission.
11) SUBMISSION OPTION 1: SUBMISSION via WEB
4) First choose the 'Export' option from the Front Page. Next, choose 'Submission via Web' to transmit your data to your regulatory agency in ONE step. Submission via Web is the most secure option for transmitting your HMDA data to your regulatory agency. See the software Help files for more information.
5) If your institution chooses 'Submission via Web', your submission is COMPLETE.
6) Note: The calendar year HMDA data submission must be submitted to the Board on or before March 1st or the following business day if March 1st falls on a weekend.
12) SUBMISSION OPTION 2: Export via Internet E-mail
4) First choose the 'Export' option from the Front Page. Next, choose 'Export to Regulatory Agency via Internet e-mail' option for encrypted submission to the Board. (This option takes you through several steps to create an encrypted file (.ENC file extension) that you must attach to an e-mail message to complete the submission). 5) Address your e-mail to HMDASUB@frb.gov, include all the required institution information and attach the encrypted HMDA file HRID_Agency_Year.ENC located at the following path: C:\HMDA Data Entry Software 2015\HMDASubmission\HRID_Agency_Year.ENC.
6) Send your encrypted, validity-free, CY HMDA data submission to the Board on or before March 1 following the calendar year for which the data are compiled. Attach only the file with the extension ".ENC" to your e-mail. Include the following in the body of your e-mail:
Institution Name
Respondent ID/Agency Code
Contact Name/Phone Number
Number of LAR
We suggest you include your Respondent ID, Agency Code and 2015 HMDA in the subject heading.