Bank was criticized (FDIC) for having the GMI boxes on consumer non-HMDA applications, even though the section was "X'ed" out. Said it would confuse the customer and could inadvertently cause erroneous data collection. Usually the amount of information for a purchase is substantially more than needed for other loans. The LO would be wasting their time collecting all the additional data.
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Integrity. With it, nothing else matters. Without it, nothing else matters.