Banker's Compliance Consulting Blog

HMDA Data: Initially Payable to You

There are a lot of data points that you must report for each application on your HMDA LAR....

HMDA Purpose

If you are a HMDA reporting institution, knowing which applications are covered is the cornerstone...

Flood Risk in the Mortgage Market

On January 13, 2025, the CFPB put out a report entitled, Flood Risk and the U.S. Mortgage Market...

Advertising in the Digital Age

Many of the banking laws and regulations related to advertising were written decades ago, well...

HMDA: Common Data Field Errors – Part 2

HMDA compliance is tough! With all the data you are required to collect and report, there are bound...

HMDA: Common Data Field Errors – Part 1

HMDA compliance is tough! With all the data you are required to collect and report, there are bound...

Compliance Officers: Doing vs. Managing

A compliance officer’s job is to oversee the compliance function and “manage” compliance, not “do”...

HMDA: Approved But Not Accepted

When it comes to HMDA reporting, one of the action taken codes that gives institutions some trouble...

Compliance Officers & Teamwork

Compliance officers wear a lot of hats. In many ways, they are the eyes and ears of senior...

HMDA Data: Income

It’s no secret that HMDA is one of the most difficult regulations when it comes to compliance. Your...