It is right on the FFIEC site:
To calculate rate spreads for HMDA reportable loans, use a different calculator depending on the final action date:
•Use the new calculator available on the CFPB website if final action was taken on or after January 1, 2018.
You will not be able to use the old FFIEC one as they are no longer going to update it.
The opinions expressed here should not be construed to be those of my employer: PPDocs.com