---
title: "Regulation B: What’s An Application?"
description: An “application” for Regulation B (ECOA) can be different than what constitutes an application for Regulation C (HMDA) or for Regulation Z (TRID).
---

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# [Regulation B: What’s An Application?](https://blog.bankerscompliance.com/en/regulation-b-whats-an-application)

 Written by [Jerod Moyer](https://blog.bankerscompliance.com/en/author/jerod-moyer) | Mar 22, 2022 7:26:43 PM

What’s an application? That’s a great question and one that isn’t quite as easy as it seems.

You see, each regulation has its own set of definitions.

Thus, what constitutes an “application” for Regulation B ([ECOA](https://files.consumerfinance.gov/f/201306_cfpb_laws-and-regulations_ecoa-combined-june-2013.pdf)) can be different than what constitutes an application for Regulation C ([HMDA](https://ffiec.cfpb.gov/)) or for Regulation Z ([TRID](https://www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/)).

### Your application date could differ depending on what regulation you’re talking about.

It’s also important to note, you can’t use [TRID](https://www.bankerscompliance.com/regulations-we-cover-4/tila-respa-integrated-disclosures/)’s definition for [HMDA](https://www.bankerscompliance.com/regulations-we-cover-4/home-mortgage-disclosure-act/) and vice versa.

David explains a Regulation B application in the video.

 

Ready to learn more? [JOIN US](https://store.bankerscompliance.com/#?keyword=Application&type=) for our webinar, “[Applicants & Applications](https://store.bankerscompliance.com/#?keyword=Application&type=)”. Featured topics include:

- What’s an Application?
- Who is an Applicant? What’s a Completed Application?
- ECOA vs. HMDA vs. TRID & Other Regulatory Intersections
- Pre-qualifications, Pre-approvals & the Rules
- Written and /or Signed Application Requirements
- Application Channels - In-Person vs. Not
- Joint Intent, Signatures, Co-Signers & Guarantors
- Your Questions, Plain English Answers & Much More! 

 

Published  
2022/03/22

[View full post](https://blog.bankerscompliance.com/en/regulation-b-whats-an-application)

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