The File Specifications describe the required electronic (Submission via Web, Internet e-mail,
CD-ROM or PC Diskette) format in which all institutions must submit their data. The file specifications are a required format and must be followed in order for the data file to be processed.
The HMDA data processing system is being redesigned to improve the efficiency and speed of HMDA data processing. A couple HMDA Transmittal Sheet (TS) and Loan Application Register (LAR) data submission file format changes became effective for HMDA data collected as of January 1, 2010; please read the memo dated January 23, 2008.