Doing a HMDA review.....found 4 withdrawn files from 2020 that were not scanned into our system until March 2021....so they have just now been identified....

Should we refile for 4 files OR document the lessons learned and how it will be avoided in the future and move on???

How many entries on your 2020 LAR?

For 2020.... 1470 entries

So it depends if you and your regulator can live with a .272% reporting error rate.

https://files.consumerfinance.gov/f...miner-transaction-testing-guidelines.pdf

Thanks for that insight, Randy!!!

The exam procedures allow a 5.1% error rate for each field so I think we'll just document.....