Of course, thanks for reminding me that RE may not include a dwelling. Sometimes my past experience as a RE agent and past experience as a lender get in the way of my now position in compliance. Most of the time it's helpful, but sometimes what I learned before compliance wasn't always lawful. I'm trying to update our Commercial Lending program, and in our latest commercial exam we ran a cross a problem with a HMDA reporting bank not collecting GMI on business loans to individuals purchasing or refinancing 1-4 family rental properties. I learned a lot in the review, and so have the commercial lenders. I held off from asking BOL questions, because I worked with the help of a very experienced compliance person who pointed out to me the need for GMI collection on something other than the HMDA entry log. So now, that I've gotten your attention, I'll ask for your experience also concerning this issue. Please let me know if I need to clarify--I usually do! Thanks