When the income amount reported on the HMDA LAR is negative, what is the reportable HMDA Income Amount and DTI? Do they both remain negative, or is income converted to 0 and DTI to NA? Thanks for your feedback...

Report what you relied on. If it's negative, it's negative. Old HMDA generally held that gross income can't be negative, but new HMDA say's it's ok.

"Finally, the Bureau notes that the 2015 HMDA Final Rule and the 2018 FIG do not include any language that would bar a financial institution from reporting an applicant's gross annual income as “0” or even a negative number when that is the accurate figure that it relied on."

So negative DTI is okay as well then?