From page 28 in the 2022 GIR:
Enter, as a percentage, the ratio of the applicant’s or borrower’s total
monthly debt to the total monthly income relied on in making the credit
decision. Use decimal places only if the ratio relied upon uses decimal
places. The HMDA Platform can accept up to fifteen (15) decimal places
and can accept negative numbers for Debt-to-Income Ratio.
Example: If the relied upon debt-to-income ratio is 42.95, enter
42.95, not 43. If, however, your institution rounded the ratio up to
43% and relied on the rounded-up number, enter 43.
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The opinions expressed are mine and they are not to be taken as legal advice.