FFIEC Home Mortgage Disclosure Act Header

A Guide To HMDA Reporting: Getting It Right!

* 2009 A Guide To HMDA Reporting PDF File

      The 2009 edition was updated with the following:

  • Title page -- change the last digit in the years; reference of 2008 to 2009 and 2009 to 2010;
  • Title page -- change the year on the three examples in the LAR form from 2008 to 2009;
  • Cover page -- change the last digit in the years; reference of 2008 to 2009 and 2009 to 2010; Month will be added right before posting;
  • Page 1 -- first column, first paragraph, sixth row, remove the hyphen and close up the space on the word 'information';
  • Page 2 -- make changes in first column, first sentence should read, An institution must ..in electronic form, and preferably by using the Submission via Web option or Internet e-mail as an encrypted file (HRID_Agency_Year.ENC) attachment;
  • Page 2 -- first column, second bulleted item, third line, input the 'e' in the word requirements;
  • Page 5 -- first column, second paragraph, first line, remove the hyphen and close up the space in the word 'institution';
  • Page 6 -- first column, first paragraph, fifth line, remove the extra space between the words 'agency' and 'des-';
  • Page 6 -- first column, second paragraph, fourth line, remove the extra space between the words 'the' and 'merger';
  • Page 8 -- second column, first paragraph, fifth line, remove the hyphen and close up the space in the word 'improvement';
  • Page 9 -- second column, first bulleted item should read, "Loans originated prior to the current reporting year and acquired as part of a merger or acquisition, or as part of the acquisition of all of the assets and liabilities of a branch office (defined at page 5)."
  • Page 10 -- change the last digit in the years on Figure 3 where needed; 2008 to 2009;
  • Page 11 -- change the last digit in the years on the form shown at the bottom; 2008 to 2009;

  • Page 12 -- second column, first paragraph, second line, remove the hyphen and close up the space in the word 'counteroffers';
  • Page 13 -- change the last digit in the years on the form shown at the bottom; 2008 to 2009;
  • Page 13 -- second column, third line from the bottom of the first paragraph, remove the hyphen and close up the space in the word 'preapproval';
  • Page 15 -- second column, third line from the bottom of the first bulleted item, remove the hyphen and close up the space in the word 'information';
  • Page 15 -- second column, last line of the first bulleted item, remove the hyphen and close up the space in the word 'Regulation';
  • Page 17 -- first column, first paragraph, a new insert following Loan Price and Lien Status is shown beginning with [Substitute .. should be included; the first paragraph, [Substitute for above paragraph if application is on or after October 1, 2009: should be bolded;
  • Page 25 -- first column, last paragraph and second column, first and second paragraphs, language was replaced;
  • Page 26 -- first column, second paragraph reads, 'Transmit the entire corrected file using Submission via Web, Internet e-mail, CD-ROM .. (See the discussion on Submission via Web and Internet e-mail ..) For transmission options other than Submission via Web, clearly mark your ..'
  • Page A-2 -- second column, sixth line of paragraph 7.c., remove the space before the word 'on';
  • Page A-2 -- second column, first line of paragraph 7.e., remove the space before the word 'For';
  • Page A-9 -- first column, second paragraph, language is new and should be bolded;
  • Page A-9 -- first column, third paragraph, and second column, first paragraph, language is new;
  • Page A-10 -- first column, first paragraph, language is new and should be bolded;
  • Page A-10 -- first column, second paragraph, language is new;
  • Page A-10 -- first column, fourth paragraph, language is new and should be bolded;
  • Page A-10 -- first column, fifth paragraph, language is new;
  • Page A-10 - second column, second paragraph, language is new and should be bolded;
  • Page A-10 -- second column, third paragraph, language is new;
  • Page A-13 -- change the last digit in the years shown on the LAR form; 2008 to 2009;
  • Page B-2 -- add words at the end of each row that are missing in the second column of the first paragraph;
  • Page C-5 -- first column, second paragraph, language is new and should be bolded;
  • Page C-5 -- first column third and fourth paragraphs, language is new;
  • Page C-5 -- first column, number (13), add the language ', as implemented in Regulation Z (12CFR 226.32).';
  • Page D-3 -- second column, number 2(e)2., change the asset threshold from $37 to $39 million and 2008 to 2009;
  • Page D-5 -- first column, number 4, add an 'i' to the word 'improve on the second line;
  • Page D-5 -- first column, sixth line from the bottom of number 4 paragraph, remove the hyphen and close up the space in the word 'institution';
  • Page D-6 -- second column, second paragraph numbered ii, third line, hyphenate the word 'example';

  • Page D-6 -- second column, fourth paragraph numbered iv, fifth line, remove the hyphen and close up the space in the word 'forwarded';
  • Page D-8 -- first column, third line under (A) Ethnicity, remove the extra space between the words 'an' and 'applicant's';
  • Page D-9 -- first column, fourth line under 4(a)(1)1., remove the hyphen and close up the space in the word 'application';
  • Page D-10 -- first column, second line from the bottom of 4(a)(3)2., remove the hyphen and close up the space in the word 'institution';
  • Page D-11 -- first column, fifth line from the bottom of 5., remove the hyphen and close up the space in the word 'submission';
  • Page D-12 -- first column, first paragraph 3., seventh line, remove the hyphen and close up the space in the word 'applications';
  • Page D-12 -- second column, ninth line in 6., remove the hyphen and close up the space in the word 'institution';
  • Page D-13 -- second column, first paragraph, language is new and should be bolded;
  • Page D-13 -- second column beginning with paragraph 4(a)(12)(ii), entire column is new language;
  • Page D-14 -- first column, first paragraph, language is new;
  • Page D-15 -- second column, fifth line of paragraph 8., remove the hyphen and close up the space in the word 'contained';
  • Page E-1 -- second column, last paragraph, last line, move the word 'lending' up to the previous line;
  • Page E-2 -- first column, first paragraph, last line, move the word 'Reserve' up to the previous line;
  • Page E-8 -- first column, third line of paragraph (1), add a 'b' to the word 'banks';
  • Page E-8 -- second column, last line of Section 309-Effective Date, correct the spelling of the word subsection; change the 'd' to 'c';
  • Page E-9 -- second column, eighth line of Section 311-Disclosure by the Secretary, add a space between the words 'loans' and 'exempted';
  • Page F-7 -- first column, second entry down under Illinois (17), add '- MSA 16020' after Alexander* (003);
  • Page F-10 -- first column, last row, add '- MSA 31740' after Geary* (061);
  • Page F-10 -- second column, tenth row from the bottom, add '- MSA 31740' after Pottawatomie* (149);
  • Page F-10 -- second column, fourth row from the bottom, add '- MSA 31740' after Riley (161);
  • Page F-14 -- first column, seventh row from the bottom, add '- MSA 31860' after Blue Earth (013);
  • Page F-14 -- second column, fifteenth row from the bottom, add '- MSA 31860' after Nicollet* (103);
  • Page F-16 -- first column, ninth row under Missouri (29), add '- MSA 16020' after Bollinger* (017);
  • Page F-16 -- first column, sixteenth row under Missouri (29), add '- MSA 16020' after Cape Girardeau (031);
  • Page G-3 -- first column, list of states under Region I, add 'Nevada,' between the states of Michigan, and New Hampshire,..;
  • Page G-3 -- first column, list of states under Region II, add 'Alaska,' as the first state followed by Delaware,..;
  • Page G-3 -- first column, last row of states under Region III, remove the extra space between South Carolina, and Tennessee;
  • Page G-3 -- second column, remove the states of Alaska and Nevada from the list of states under Region V;
  • Page G-3 -- second column, under Office of Thrift Supervision reads, 'For savings institutions, federally-chartered savings banks, their subsidiaries, and subsidiaries of savings institution holding companies';
  • Page G-5 -- second column, fourth row under Department of Housing and Urban Development reads, '(202) 755-7500 extension 7540'.


* Archives of previous HMDA Guides and changes:

* Archives of previous HMDA Guide Information Letters:

2009 Guide Information Letter PDF File | MS Word
2008 Guide Information Letter PDF File | MS Word
2006 Guide Information Letter PDF File | MS Word
2002 Guide Information Letter PDF File | MS Word