The Guide is a valuable resource for assisting all institutions in their HMDA reporting. It provides a summary of responsibilities and requirements, directions for assembling the necessary tools, and step-by-step instructions for reporting HMDA data. The Guide is posted on the Internet only; paper copies are not available. The 2007 version should be used for guidance on collecting and reporting calendar year (CY) 2007 data (due March 1, 2008); the 2006 version should be used for CY 2006 data; the 2004 version should be used for CYs 2004 and 2005 data; the 2003 version should be used for CY 2003 data; and the 1998 version along with the 2002 information letter should be used for CY 2002 data.

Available Formats:

Guides

2007 A Guide To HMDA Reporting PDF File

      The 2007 edition was updated with the following:

• Changed all references of years from 2006 to 2007 and from 2007 to 2008 on cover page and inside cover page.
• Changed month and year to June 2007 on inside cover page, bottom, left side.
• Changed the years from 2006 to 2007 on page 10, figure 3; on the partial forms on pages 11 and 13; and on the sample LAR form on page A-13.
• Included 'FRS' in the mailing address and removed the last paragraph, see page 26, second column.
• Added asterisk and margin note to "II. Federal Supervisory Agencies" section, see page A-10, second column.
• The reprint of the "Official Staff Commentary on Regulation C" in appendix D was updated to reflect the asset threshold for 2007 ($36 million); see page D-4.
• Added MSA 29420 to Mohave (015) county in Arizona, see page F-2, second column.
• Added MSA 37380 to Flagler (035) county in Florida, see page F-4, second column.
• Changed MD 21604 to MD 37764, Essex (009) county in Massachusetts, see page F-13, first column.
• Added the Federal Reserve System in the Submission of Data section in Appendix G, page G-1; removed first paragraph on page G-1, second column.
• Corrected order of OCC district offices and added region numbers, see page G-1, second column and page G-2, first column.
• Corrected address of Federal Reserve Bank of St. Louis, see page G-5, second column.

2006 A Guide To HMDA Reporting PDF File

      The 2006 edition was updated with the following:

• Minor clarification changes were made to pages 1 through 29.
• Regulation cites were included that require OTS and OCC reporters to report denial reasons on denied loans; see page 10.
• "Transmitting the Data" was updated to reflect a separate and complete LAR shall be submitted for each institution; for example, submit one LAR for a bank and a separate LAR for a subsidiary of the bank. See page 25.
• Loan/Application Register resubmission procedures were added; see page 26.
• The OMB number for HUD was updated on the Transmittal Sheet form from "2502-0529" to "2502-0539"; and the OMB assigned a number to the NCUA of “3133-0166”. See pages A-12 and C-1.
• The reprint of the “Official Staff Commentary on Regulation C” in appendix D was updated to reflect the asset threshold for 2006 ($35 million); see page D-4.
• Vero Beach, FL Metropolitan Statistical Area (code 46940) was changed to Sebastian-Vero Beach, FL Metropolitan Statistical Area (code 42680). The only county in MSA 42680 is Indian River (code 061); see page F-4.
• Information about the Federal Supervisory Agencies was revised; OTS regional office information was added; see Appendix G.

2004 A Guide To HMDA Reporting PDF File

      The 2004 edition was updated with the following:

• Florence, AL Metropolitan Statistical Area (code 22460) was changed to Florence-Muscle Shoals, AL Metropolitan Statistical Area (code 22520); see metropolitan statistical area changes to Colbert and Lauderdale Counties on page F-1.
• Suffolk County-Nassau County, NY Metropolitan Division (code 44844) was changed to Nassau-Suffolk, NY Metropolitan Division (code 35004); see metropolitan division changes to Nassau and Suffolk Counties on page F-19.
• Bristol, VA Metropolitan Statistical Area (code 14980) was deleted and its component entities (Bristol city, VA and Washington County, VA) were added to Kingsport-Bristol-Bristol, TN-VA Metropolitan Statistical Area (code 28700); see metropolitan statistical area changes to Washington County and Bristol city on page F-29.
• The "Foreward" was updated to reflect that certain HMDA data also are available from the FFIEC, by accessing the FFIEC Internet site, www.ffiec.gov/hmda, by sending an e-mail to hmdahelp@frb.gov, or by calling the Board’s HMDA Assistance Line, (202) 452 - 2016; see the last sentence of the 5th paragraph on page v.
• The OMB number for HUD was updated on the Transmittal Sheet form from "2502-0529" to "2502-0539"; see page A-12.
• A more legible sample of the Loan/Application Register form was placed on page A-13.

2003 A Guide to HMDA Reporting PDF File

      The 2003 edition is different from the 1998 edition in only minor respects. The differences reflect:

• the requirement, effective on January 1, 2003, to collect race and sex data on telephone applications;
• the requirement, effective on January 1, 2003, to use 2000 census tract numbers;
• new sources of geographic information available from the Census Bureau (see especially pp. 13-17);
• minor changes to the appendices, and the elimination of former appendix F as unnecessary;
• changes in the ways data are transmitted;and
• other edits.

1998 A Guide To HMDA Reporting PDF File

Guide Information Letters
2008 Guide Information Letter PDF File | MS Word
2006 Guide Information Letter PDF File | MS Word
2002 Guide Information Letter PDF File | MS Word