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.

Available Formats:

2014 PDF File | MS Word

2013 PDF File | MS Word

2012 PDF File | MS Word

2011 PDF File | MS Word

• 2011 HMDA file specifications revised September 27, 2011 as a result of the HMDA rulemaking authority being transferred to the Consumer Financial Protection Bureau (CFPB) and the transfer of OTS functions to other agencies.
• 2011 HMDA file specifications revised August 4, 2011 as a result of the creation of the Consumer Financial Protection Bureau (CFPB) and the transfer of OTS-regulated institutions to various FFIEC members.

2010 PDF File | MS Word

2009 PDF File | MS Word

2008 PDF File | MS Word

2007 PDF File | MS Word

• Revised 6/6/2007; transfer of HMDA data collection for all institutions regulated by the Federal Reserve System(FRS) to the Federal Reserve Board (Board).

2006 PDF File | MS Word

• Revised 10/2/2006; Encrypted file location updated to C:\HMDADES\HMDASubmission\HMDAENCR.ENC
• Revised 6/2/2006; language added for FRS reporters.

2005 PDF File | MS Word
2004 PDF File | MS Word

• Revised 9/30/2004; includes File Identifier page for FRB use only.
• Revised 3/31/2004; reflects OMB updates to MSA/MD reporting.

2003 PDF File | MS Word
2002 PDF File | MS Word
2001 PDF File | MS Word
1999/2000 PDF File | MS Word
1998 PDF File | MS Word