A Guide to HMDA Reporting - ffiec

Submitting the
LAR
Editing the Data
Before submission, the data must be
checked using edits supplied by the
FFIEC. The edits are included in the
agency-supplied data entry software,
and are also available at www.ffiec.gov/
hmda/edits.htm. You may use equivalent
edits incorporated in software you
have purchased from vendors or have
developed in-house.
Visit the HMDA web site
(www. ffiec.gov/hmda), e-mail
HMDAHelp@frb.gov or call the HMDA
assistance line at (202) 452-2016 for
more information about the edits.
Transmitting the Data
A separate and complete LAR shall
be transmitted for each institution. For
example, submit one LAR for a bank and
a separate LAR for a subsidiary of the
bank (see Regulation C, 203.5(a)(2)).
Institutions that report 25 or fewer entries
on their LAR may report the data in
paper form. All others must submit
HMDA reports in an automated,
machine-readable form. To facilitate
automated reporting, the agencies provide
HMDA data entry software that can
be downloaded free of charge from the
FFIEC web site (www.ffiec.gov/hmda/
softinfo.htm).
Internet e-mail of an encrypted file
(hmdaencr.enc) is the encouraged
method of transmission for respondents
supervised by the FRS, FDIC, NCUA,
OCC, OTS, or HUD. You must first install
the Internet Submission software that is
included on the free FFIEC HMDA data
entry software provided by the agencies.
When you are ready to export your
data, select the “Export to Regulatory
Agency via Internet E-mail” option in the
data entry software and complete the
steps as directed. Then, complete the
instructions to prepare your HMDA submission
for transmission over the Internet
(see “Preparing the Submission for
Internet E-mail Transmission” found in
the FFIEC HMDA data entry software).
The Internet e-mail addresses can be
found in the Glossary of the data entry
software and at www.ffiec.gov/hmda/
contact.htm. (Use of any other export
option or Internet Submission product
will result in the creation of a submission
that is NOT acceptable.) Detailed instructions
for Internet e-mail submission
and file encryption of the HMDA data
are included with the file formats on the
web (www.ffiec.gov/hmda/
fileformats.htm).
The other acceptable methods of automated
transmission are diskette and
CD-ROM pursuant to the applicable
technical specifications. The technical
specifications for respondents regulated
by FRS, FDIC, NCUA, OCC, OTS, or
HUD can be found on the FFIEC web
site (www.ffiec.gov/hmda/
fileformats.htm).
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