The FFIEC and HUD have published the following resources for financial institutions required to file Home Mortgage Disclosure Act (HMDA) data:
Updated November 2017:
The beta version of the HMDA Platform allows financial institutions to upload sample HMDA files and perform validation on the data; review edits; confirm the test data submission; and conclude the test HMDA filing process.
The Technology Preview provides resources for financial institutions preparing their systems to file HMDA data with the CFPB.
Separate Filing Instructions Guides (FIG) are now available for data collected in 2017 and 2018.
For data collected in or before 2016, please visit the FFIEC website for data submission resources.
The LAR Formatting Tool is intended to help financial institutions, typically those with small volumes of covered loans and applications, to create an electronic file that can be submitted to the HMDA Platform.
The File Format Verification Tool is provided for filers who wish to confirm that a LAR file is formatted in the required pipe delimited text file format, and meets certain formatting requirements specified in the Filing Instructions Guide. Section 3 of the HMDA Tools Instructions guide provides further information on using the FFVT.
The HMDA Loan Scenarios is provided as an illustrative aid to help HMDA filers prepare their loan/application register.
Do you have additional questions? Please check out the FAQs.