ECOA (Reg. B)/FHAct & HMDA (Reg. C)
• DISCRIMINATION/DISCOURAGEMENT
o EQUAL CREDIT OPPORTUNITY ACT (PROHIBITED BASIS) RACE COLOR RELIGION NATIONAL ORIGIN SEX MATERIAL STATUS AGE INCOME DERIVED FROM PUBLIC ASSISTANCE EXERCISED RIGHTS UNDER CONSUMER CREDIT PROTECTION ACT o FAIR HOUSING ACT (PROHIBITED BASIS) RACE COLOR RELIGION NATIONAL ORIGIN SEX HANDICAP FAMILIAL STATUS o HOME MORTGAGE DISCLOSURE ACT REQUIRES INSTITUTIONS/LENDERS TO REPORT DATA ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________
• ECOA - (REGULATION B)
o 202.4 WRITTEN APPLICATIONS. A CREDITOR SHALL TAKE WRITTEN APPLICATIONS FOR THE DWELLING-RELATED TYPES OF CREDIT o 202.5 RULES CONCERNING REQUESTS FOR INFORMATION o 202.6 RULES CONCERNING EVALUATION OF APPLICATIONS o 202.7 RULES CONCERNING EXTENSIONS OF CREDIT (JOINT APPLICANTS) o 202.9: NOTIFICATIONS o 202.10 FURNISHING OF CREDIT INFORMATION o 202.12: RECORD RETENTION o 202.13: INFORMATION FOR MONITORING PURPOSES o 202.14: RULES ON PROVIDING APPRAISAL REPORTS o 202.16: REQUIREMENTS FOR ELECTRONIC COMMUNICATION o 202 APPENDIX A FEDERAL ENFORCEMENT AGENCIES o 202 APPENDIX B MODEL APPLICATION FORMS o 202 APPENDIX C SAMPLE NOTIFICATION FORMS o 202, APPENDIX D ISSUANCE OF STAFF INTERPRETATIONS
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• HMDA (REGULATION C)
o 203.2 DEFINITIONS (B) APPLICATION (2) PREAPPROVAL PROGRAM (D) DWELLING (F) HOME EQUITY LINE OF CREDIT (G) HOME IMPROVEMENT LOAN (H) HOME PURCHASE LOAN (I) MANUFACTURED HOME (K) REFINANCING o 203.4: COMPILATION OF LOAN DATA (1) IDENTIFYING LOAN NUMBER AND APPLICATION DATE (2) TYPE OF LOAN (3) PURPOSE OF LOAN (4) PREAPPROVAL DESIGNATION (5) PROPERTY TYPE (6) OCCUPANCY STATUS (7) LOAN AMOUNT (8) ACTION AND ACTION DATE (9) PROPERTY LOCATION (MSA, STATE, COUNTY, CENSUS TRACT) (10) ETHNICITY, RACE, AND SEX (EACH APPLICANT) (11) INCOME (USED TO MAKE CREDIT DECISION) (12) PURCHASER (13) RATE SPREAD (14) HOEPA DESIGNATION (15) LIEN STATUS (16) DENIAL REASON/S (OPINIONAL) (17) PREAPPROVALS (NOT ACCEPTED) (XX) LOANS OF UNIMPROVED LAND (EXCLUDED) (XX) BRIDGE/CONSTRUCTION LOANS (EXCLUDED) (XX) PURCHASE OF SERVICING RIGHTS (EXCLUDED) o 203.5 DISCLOSURE AND REPORTING (A) REPORTING AGENCY (MARCH 1ST) (B) PUBLIC DISCLOSURE STATEMENT (1) ISSUED BY FFIEC (2) AVAILABLE WITHIN 3 DAYS OF RECEIPT (HOME OFFICE) (3) AVAILABLE WITHIN 10 DAYS IN EACG MSA/POSTER o APPENDIX A: Form and Instructions for Completion of HMDA LAR o APPENDIX B: Instructions for Collection of Ethnicity, Race, and Sex o SUPPLEMENT I Staff Commentary o FEDERAL FINANCIAL INSTITUTIONS EXAMINATION COUNCIL (www.ffiec.gov) A Guide to HMDA Reporting: Getting it Right! (PDF) ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________ ______________________________________________________________________________
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