Customer begins application saying they want X product, assume the transaction is HMDA reportable. During the process, there's a change in direction and now the customer wants Y product. Assume we gave disclosures at the time of X product choice and new disclosures at the time of Y product choice. At this time, we don't do a whole new application document when it changes to Y, just note in the file the customer's product change request.
Is the HMDA application date the original X product choice date or the date it changed to Y product choice?
What do all of you do in terms of a whole new application document when product choices change?
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