Looking at the calendar, we get two, count 'em, two extra days to do HMDA this year. Am I dreaming?

Piece of cake.

Then you're extremely lucky if it's a 'piece of cake'. I am the first true compliance officer at this bank and am having a large amount of difficulty getting the bank to understand just how important this is. At my last audit the exceptions were so huge we are going to have to do a complete scrub of 2002 data prior to submission. Ahhhh!