Banker's Compliance Consulting Blog

HMDA: Loan Term vs. Line Term

If you are a HMDA bank, you know some of the data reporting requirements can be downright...

Applicants for Joint Intent

A common area of confusion when it comes to the joint intent rules, is “who” is an applicant.

Home Mortgage Disclosure Act (HMDA) Documentation

If you are an HMDA Bank, you are fully aware of how the CFPB’s 2018 HMDA Rule shook things up! It...

Collecting HMDA Demographic Information

HMDA defines an application as …an oral or written request for a covered loan…. HMDA also requires...

Loan Application vs. Loan Inquiry

Knowing when you have a loan application and when you have a loan inquiry is the foundation of...

CFPB Issues Interpretive Rule on Sex Discrimination

On March 9, 2021, the CFPB issued an interpretive rule regarding sex discrimination under the...

HMDA: Mixed-Purpose Loans

A loan, often times, has multiple purposes. For example, you might make a loan to refinance a...

Regulation E Unauthorized Transactions

Regulation E error resolution rules are tricky! This is also an area that has experienced recent...

HMDA: Large vs. Small Filers

Are you a HMDA-reporting bank? If you are, you are either a large filer (meaning you report ALL the...

HMDA

Resources to help with HMDA compliance HMDA compliance is tough! With all the data you are...