2019 Edition of Guide to HMDA Reporting: Getting It Right

The 2019 edition of the Guide to HMDA Reporting: Getting It Right is now available.  This edition is effective as of January 1, 2019, for HMDA submissions due March 1, 2020.  It is a useful resource to assist institutions in meeting their HMDA reporting obligations, as applicable.  The guide includes information regarding a HMDA reporter’s responsibilities and requirements, directions for assembling the necessary tools, and instructions for reporting HMDA data.

The guide was developed by the member agencies of the Federal Financial Institutions Examination Council (FFIEC).  The updated edition incorporates changes that the Economic Growth, Regulatory Relief, and Consumer Protection Act made to HMDA, as well as the CFPB’s related 2018 HMDA interpretive and procedural rule.  Additionally, the guide continues to include appendices developed by the member agencies regarding compliance materials useful for navigating HMDA requirements, such as the CFPB’s HMDA Small Entity Compliance Guide and various summary charts (regarding items like institutional coverage and transactional coverage).  Additional resources for HMDA filers, such as the most recent Filing Instructions Guide (FIG), can be found here.