**Board of Governors of the Federal Reserve System**

**Home Mortgage Disclosure Act**

**Federal Reserve Board, 20th & Constitution Avenue, NW, Stop \# 502,
Washington, DC 20551 - (202) 452-2016**

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height="1.9756944444444444in"}

**File Specifications for 2006 HMDA Data**

**Federal Deposit Insurance Corporation (FDIC)**

**National Credit Union Association (NCUA)**

**Office of the Comptroller of the Currency (OCC)**

**Office of Thrift Supervision (OTS)**

**Department of Housing and Urban Development (HUD)**

**Reporting Changes For 2006 HMDA Files**

Introduction

+-----------------------------------------------------------------------+
| ENCRYPTED FILE LOCATION                                               |
|                                                                       |
| The HMDAENCR.ENC encrypted file path generated through the 'To        |
| Regulatory Agency Via Internet E-mail' option in the HMDA Data Entry  |
| Software has been updated. The new file location is:                  |
| C:\\HMDADES\\HMDASubmission\\HMDAENCR.ENC.                            |
|                                                                       |
| DATA COLLECTION PROCEDURE CHANGE                                      |
|                                                                       |
| Effective January 1, 2006, if your institution is required to         |
| resubmit your data for any reason, a [complete                        |
| resubmission]{.underline} of all data is required for [ANY            |
| CHANGES]{.underline} to the loan application register following an    |
| institution's initial HMDA submission, regardless of whether the data |
| are being resubmitted for CY 2005 or 2004.                            |
|                                                                       |
| Manual changes will no longer be accepted via e-mail, fax or          |
| telephone. All corrections or updates to the loan application         |
| register following the initial submission are to be completed by the  |
| institution. The institution must then RESUBMIT an entirely new file  |
| inclusive of all loans for the applicable reporting year.             |
|                                                                       |
| **EXCEPTIONS:**\                                                      |
| \                                                                     |
| **(1) HMDA submission is greater than 350,000 LARs**. Less than 10    |
| field corrections should be written on the edit report and faxed to   |
| 202-452-6497. Corrections exceeding 10 require resubmission. This     |
| exception is only applicable to institution's that have submitted     |
| greater than 350,000 LAR.                                             |
|                                                                       |
| **(2) HMDA submission contains 25 or fewer entries and is submitted   |
| in paper form**. Less than 10 field corrections should be written on  |
| the edit report and faxed to 202-452-6497. This exception is only     |
| applicable for institution's that submitted an initial paper copy LAR |
| with 25 or fewer entries.                                             |
+-----------------------------------------------------------------------+

**[IMPORTANT NOTICE ABOUT METROPOLITAN STATISTICAL]{.underline}**

**[AREA/METROPOLITAN DIVISION REPORTING]{.underline}**

The Office of Management and Budget (OMB) adopted final standards for
Metropolitan and Micropolitan Statistical Areas in 2000, and on June 6,
2003 issued a list of these areas (reference OMB Bulletin 03-04),
showing new Metropolitan Statistical Areas and revisions to existing
areas. They then issued OMB Bulletin 04-03 in February 2004 that updated
some of these areas effective December 2003. There were 49 new
Metropolitan Statistical Areas, for a total of 369. There were also
extensive revisions to existing Metropolitan Statistical Areas.
Beginning with the reporting of calendar year 2004 HMDA data, the
revised and new Metropolitan Statistical Areas or Metropolitan Divisions
(where appropriate) are used in helping to identify the geographic
information about the property location.

The new list contained 578 Micropolitan Statistical Areas. However,
Micropolitan Statistical Areas are **NOT** used for HMDA reporting
purposes. In addition, the new list contained 123 Combined Statistical
Areas, which consisted of combinations of two or more Metropolitan
and/or Micropolitan Statistical Areas. Combined Statistical Areas are
also **NOT** used in HMDA reporting.

The Metropolitan Statistical Areas have at least one urbanized area of
50,000 or more population. There are 11 instances (Boston, Chicago,
Dallas, Detroit, Los Angeles, Miami, New York, Philadelphia, San
Francisco, Seattle, and Washington) where a Metropolitan Statistical
Area containing a single core with a population of 2.5 million or more
has been subdivided to form smaller groupings of counties referred to as
Metropolitan Divisions. In those cases, the appropriate Metropolitan
Division 5-digit code is used in the MSA/MD column of the Loan
Application Register (LAR) form instead of the Metropolitan Statistical
Area code assigned to the larger populated area.

For coverage purposes, if an institution has offices in Micropolitan
Statistical Areas [only]{.underline}, it is not subject to HMDA
reporting. If the institution, however, has a home or branch office in a
Metropolitan Statistical Area or Metropolitan Division and meets all
other reporting criteria, it is covered under HMDA. For information on
HMDA reporting criteria go to <http://www.ffiec.gov/hmda/reporter.htm>.
The institution is to report all mortgage lending activity. For those
properties located in Micropolitan Statistical Areas, or not located in
a Metropolitan or Micropolitan Statistical Area at all, report NA in the
MSA/MD column of the LAR form. In the remaining three fields (state,
county, census tract) report the 2-digit state and 3-digit county codes
as specified by the U.S. Department of Commerce in its Federal
Information Processing Standards (FIPS) publication, and because the
2000 Census tracted all areas, report the census tract number. However,
if the institution is not subject to CRA reporting requirements, the
institution has the option to enter NA in all four fields.

For more information about the OMB Bulletins, see the following web site
(<http://www.whitehouse.gov/omb/inforeg/statpolicy.html#ms>).

**File Specifications for 2006 HMDA Data**

**Introduction**

> The following information describes the format used when sending
> automated HMDA data to the Board of Governors of the Federal Reserve
> System. These formats should only be used to send data to the Board if
> you are an FDIC, NCUA, OCC, OTS or HUD reporter.

**General Information for PC Diskette and CD-ROM**

All records are 380 characters in length and contain the following:

-   The Transmittal Sheet has 22 elements comprising 359 characters and
    filler

> comprising 21 characters of blanks.

-   The Loan/Application Register has 41 elements comprising 123
    characters and

> filler comprising 257 characters of blanks.

**PC Diskette and CD-ROM Format Characteristics**

HMDA data submitted via diskette or CD-ROM must adhere to the following
specifications:

> 1\. The diskette or CD-ROM must be formatted for IBM compatible
> personal computers. The following diskette and CD-ROM formats will be
> accepted:

-   3-1/2 high density, 1.44M formatted capacity

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-   CD-R or equivalent recordable compact disc

> 2\. The HMDA data should be contained in a file named: HMDA.DAT

-   The file must be the only file on the diskette or CD-ROM.

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-   The file may contain HMDA records for multiple respondents

that must be sorted in Respondent ID, Record Type order.

-   If a HMDA file will not fit on one diskette, it must be split into
    multiple files (each named HMDA.DAT) using separate diskettes or
    CD-ROMs. The HMDA Transmittal Sheet should only be included on the
    first diskette or CD-ROM.

> 3\. The HMDA data file must be in ASCII format, containing carriage
> return/line feed (0D0A in HEX) characters at the end of each record.
> There should not be an end‑of‑file mark on the file.
>
> 4\. The record format is fixed; the fields contained in the record
> must not be delimited. In addition, the record must not be enclosed in
> quotes.
>
> 5\. Numeric fields on HMDA records must be right-justified and
> zero-filled. If you are using a product that drops the leading zeros
> on numeric fields, the data will not pass validity edits.
>
> 6\. The PC diskette(s) or CD-ROM should be labeled with information
> containing the Respondent name, Identification number, agency code,
> processing year, contact name, phone number, e-mail address, number of
> diskettes or CD-ROMs (e.g., 1 of 3), number of LAR records, and any
> other pertinent information.

7\. All diskettes or CD-ROMs submitted must be virus‑free.

> 8\. The diskette and CD-ROM will contain two types of records:

1 = Transmittal Sheet

2 = LAR Register Data

9.  No zip file(s) will be accepted.

10. There should not be any null values (00 in HEX or ASCII char (0))
    contained in the file.

**File Identifier**

**(FOR FRB USE ONLY)**

The Start, End, and Length columns are in BYTES. The Data Type should be
alphanumeric \"AN\" or numeric \"N\". Numeric \"N\" fields are unpacked,
unsigned, and right-justified.

Element Label Start End Length Data Type Comments, Values, Keys, etc.

01\. Record ID 1 1 1 N Value is 0

02\. Filler 2 15 14 AN Blank

03\. Source ID 16 16 1 N Values are 1=OCC, 2=FRS, 3=FDIC, 4=OTS, 5=NCUA,
or 7=HUD

04\. Filler 17 23 7 AN Blank

05\. Transmission 24 35 12 N Format is century, year, month,

Timestamp day, hour, minute (e.g., Jan. 17, 2007, at 1:30 p.m. would be
200701171330)

06\. Filler 36 45 10 AN Blank

07\. Series ID 46 49 4 AN Four character acronym = HMDA

08\. Filler 50 50 1 AN Blank

09\. File Status 51 51 1 AN P = Production; T = Test

10\. Filler 52 63 12 AN Blank

11\. Activity Year 64 67 4 N Four digit year (e.g., 2006)

12\. Filler 68 380 313 AN Blank

**Internet E-mail and File Encryption Instructions**

The following information describes the procedures for a successful HMDA
submission via Internet E-mail. Also included are the procedures for
encrypting your HMDA submission if the file is generated outside of the
FFIEC HMDA Data Entry Software.

# **Internet E-mail**

-   Download a [free]{.underline} copy of the HMDA Data Entry Software
    at <http://www.ffiec.gov/hmda/softinfo.htm>

-   After successful installation of the software, open the software.
    Initial access into the software will require a validity-free
    Transmittal Sheet to be completed in its entirety.

-   Following the completion of the submission, perform a Batch Edit
    prior to Exporting the data. If errors are detected, print an Error
    Report to identify the loan/application records in error and correct
    the erroneous data. HMDA data containing errors cannot be exported
    to a regulatory agency via Internet e-mail.

-   Once the submission is error free, choose the Export option from the
    Front Page. A message will appear titled "Did you know?", click
    "Close".

-   Choose "To Regulatory Agency Via Internet E-mail" and click "OK".

-   Located in the center of the screen is the file path indicating the
    file location to be attached to the e-mail submission. **The file
    path is: C:\\HMDADES\\HMDASubmission\\HMDAENCR.ENC.** Confirm the
    current year submission and choose "Begin".

-   A warning message will appear containing pertinent submission
    contact information. If this information is correct, choose
    "Continue". If the information is incorrect, choose "Cancel",
    correct the information and begin the Export process noted above.

-   The Export feature will create the exported file in the destination
    path noted above. A message box, titled "HMDA-Prepare for Internet
    Submission" will appear. **PRINT this message.** The message
    contains further instructions as well as the e-mail address for your
    submission. "Close" the box. You have successfully created the
    **HMDAENCR.ENC** file for Internet submission.

-   Address the e-mail for submission with the correct e-mail address
    stated in the printed message above. Note: The e-mail address is
    agency specific. Be sure to send your submission to the e-mail
    address for your institution\'s regulatory agency.

> In the subject line of the e-mail type the following information:

-   Respondent ID

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-   Agency Code

-   Initial Submission or Complete Resubmission

> In the body of the e-mail type the following information:

-   Respondent ID

-   Agency Code

-   Institution Name

-   Contact Name

-   Contact Phone

-   \# of LAR being submitted

> **ATTACH the following file to the e-mail:
> C:\\HMDADES\\HMDASubmission\\HMDAENCR.ENC and send the file.**

-   You will receive an automatic response to confirm receipt of your
    file within 48 hours. Save/Print this e-mail for future reference.
    If you do not receive a response within 48 hours, contact
    **<hmdahelp@frb.gov>** or the HMDA Assistance Line at
    **202-452-2016.** All inquiries regarding HMDA submission status
    should include the following information:

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-   Respondent ID

-   Agency Code

-   Institution Name

-   Contact Name and Phone and/or E-mail

## File Encryption

-   Institutions utilizing third-party vendor software for HMDA
    reporting should still take advantage of the Internet E-mail option.

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-   After successful download of the FFIEC HMDA Data Entry Software from
    the FFIEC HMDA web site at <http://www.ffiec.gov/hmda/softinfo.htm>,
    you must install the FFIEC HMDA Internet Submission encryption
    component.

-   From the Start menu, choose 'Run'. Browse to the saved location of
    the software download and run the 'setup.exe' command.

-   At the 'Welcome' screen, click "Next".

-   At the 'Select Destination Directory' screen, confirm the default
    directory C:\\HMDADES and click "Next".

-   At the 'Select Components' screen, confirm the selection of
    "Internet Submission Software" (You should deselect the other
    options if you choose to install only the Internet Submission
    Software) and click "Next".

-   At the 'Ready to Install' screen, click "Next".

-   At the 'Installation Completed' screen, click "Finish".

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-   After successful installation of the encryption component, Click on
    "Start", "Programs", "HMDADES", "Internet Submission Software". A
    warning message will appear to inform you that this software does
    not connect to the Internet. Click "OK" to continue.

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-   Next you will need to locate your HMDA data file for encryption. If
    you are using software other than the FFIEC HMDA Data Entry
    Software, your data file may be named something other than HMDA.DAT.
    Please refer to your vendor documentation to determine the name and
    file location of your HMDA data file.

-   Click the "Begin Process" button to start the encryption process.
    Once the process is complete, a new file named **HMDAENCR.ENC** will
    be created. **The file path is: C:\\HMDADES\\
    HMDASubmission\\HMDAENCR.ENC.** A message box, titled "HMDA-Prepare
    for Internet Submission" will appear. **PRINT this message.** The
    message contains further instructions as well as the e-mail address
    for your submission. "Close" the box. You have successfully created
    the **HMDAENCR.ENC** file for Internet submission.

-   Address the e-mail for submission with the correct e-mail address
    stated in the printed message above. Note: The e-mail address is
    agency specific. Be sure to send your submission to the e-mail
    address for your institution\'s regulatory agency.

> In the subject line of the e-mail type the following information:

-   Respondent ID

-   Agency Code

-   Initial Submission or Complete Resubmission

> In the body of the e-mail type the following information:

-   Respondent ID

-   Agency Code

-   Institution Name

-   Contact Name

-   Contact Phone

-   \# of LAR being submitted

> **ATTACH the following file to the e-mail:
> C:\\HMDADES\\HMDASubmission\\HMDAENCR.ENC and send the file.**

-   You will receive an automatic response to confirm receipt of your
    file within 48 hours. Save/Print this e-mail for future reference.
    If you do not receive a response within 48 hours, contact
    [**hmdahelp@frb.gov**](mailto:hmdahelp@frb.gov) or the HMDA
    Assistance Line at **202-452-2016.** All inquiries regarding HMDA
    should include the following information:

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-   Respondent ID

-   Agency Code

-   Institution Name

-   Contact Name and Phone and/or E-mail

**Transmittal Sheet**

The Start, End, and Length columns are in BYTES. The Data Type is
alphanumeric \"AN\" or numeric \"N\". Numeric \"N\" fields are unpacked,
unsigned, and right-justified.

Element Label Start End Length Data Type Comments, Values, Keys, etc.

01\. Record ID 1 1 1 N Value is 1

02\. Respondent-ID 2 11 10 AN Assigned by your federal regulatory

agency. Should be right-justified and zero filled.

03\. Agency Code 12 12 1 N Values are 1=OCC, 2=FRS, 3=FDIC,

4=OTS, 5=NCUA, or 7=HUD

04\. Timestamp 13 24 12 N Format is century, year, month, day, hour,

minute (e.g., Jan. 17, 2007, at 1:30 pm would be 200701171330)

05\. Transaction Code 25 25 1 N Value is 2 = Add

06\. Activity Year 26 29 4 N Four digit year (e.g., 2006)

07\. Tax ID 30 39 10 AN Format is 99-9999999

08\. Total Line Entries 40 46 7 N The number of line entries contained
in the

accompanying Loan Application Register

09\. Respondent Name 47 76 30 AN Left-justified and upper case

10\. Respondent Address 77 116 40 AN Left-justified

11\. Respondent City 117 141 25 AN Left-justified

12\. Respondent State 142 143 2 AN Postal Code abbreviation

13\. Respondent Zip 144 153 10 AN Format is 99999 left-justified or Code
99999‑9999

14\. Parent Name 154 183 30 AN If applicable

15\. Parent Address 184 223 40 AN If applicable

16\. Parent City 224 248 25 AN If applicable

17\. Parent State 249 250 2 AN If applicable

18\. Parent Zip Code 251 260 10 AN If applicable; format is 99999
left-justified or 99999-9999

19\. Contact Person\'s 261 290 30 AN For report questions and mailing of
the final

Name Aggregate and Disclosure reports

20\. Contact Person\'s 291 302 12 AN Format is 999-999-9999

Phone Number

**Transmittal Sheet (Cont\'d)**

Element Label Start End Length Data Type Comments, Values, Keys, etc.

21.Contact Person\'s 303 314 12 AN Format is 999-999-9999

Facsimile Number

22\. Contact Person\'s 315 359 45 AN Enter if one exists.
Left-justified.

E-mail Address

23\. Filler 360 380\* 21 AN Blank

\*CRLF (0D0A) Carriage Return/Line Feed for PC diskette or CD-ROM
reporting only

## Loan/Application Register

The Start, End, and Length columns are in BYTES. The Data Type is
alphanumeric \"AN\" or numeric \"N.\"

Numeric N fields are unpacked, unsigned, and right-justified.

Element Label Start End Length Data Type Comments, Values, Keys, etc.

01\. Record ID 1 1 1 N Value is 2

02\. Respondent‑ID 2 11 10 AN Assigned by your federal regulatory
agency. Should be right-justified and zero-filled.

03\. Agency Code 12 12 1 N Values are 1=OCC, 3=FDIC, 4=OTS, 5=NCUA, or
7=HUD

04\. Timestamp 13 24 12 N Format is century, year, month, day, hour,
minute (e.g., Jan. 17, 2007, at 1:30 pm would be 200701171330)

05\. Transaction Code 25 25 1 N Value is 2 = Add

06\. Loan/Application 26 50 25 AN Unique identifier across the home
office and

Number branch sites

07\. Date Application 51 58 8 AN Format is ccyymmdd or NA left-justified

Received

08\. Loan Type 59 59 1 N Values are 1, 2, 3, or 4

09\. Property Type 60 60 1 N Values are 1, 2, or 3

10\. Loan Purpose 61 61 1 N Values are 1, 2, or 3

11\. Owner Occupancy 62 62 1 N Values are 1, 2, or 3

12\. Loan Amount 63 67 5 N Report in thousands, round to the nearest
thousand with leading zeros and without commas

13\. Preapprovals 68 68 1 N Values are 1, 2, or 3.

14\. Type of Action 69 69 1 N Values are 1, 2, 3, 4, 5, 6, 7, or 8

Taken

15\. Date of Action 70 77 8 N Format is ccyymmdd

16\. Metropolitan Statistical 78 82 5 AN Metropolitan Statistical Area
or

Area/Metropolitan Metropolitan Division (if appropriate) code

Division or NA left-justified

17\. State Code 83 84 2 AN FIPS code with leading zeros

or NA left-justified

18\. County Code 85 87 3 AN FIPS code with leading zeros

or NA left-justified

19\. Census Tract 88 94 7 AN Include decimal point and any leading or
trailing zeros or NA left-justified

**Loan/Application Register (Cont\'d)**

Element Label Start End Length Data Type Comments, Values, Keys, etc.

20\. Ethnicity

Applicant 95 95 1 N Values are 1, 2, 3, or 4

21\. Ethnicity

Co-applicant 96 96 1 N Values are 1, 2, 3, 4, or 5

22\. Applicant Race: 1 97 97 1 N Values are 1, 2, 3, 4, 5, 6, or 7

23\. Applicant Race: 2 98 98 1 AN Values are 1, 2, 3, 4, 5, or blank

24\. Applicant Race: 3 99 99 1 AN Values are 1, 2, 3, 4, 5, or blank

25\. Applicant Race: 4 100 100 1 AN Values are 1, 2, 3, 4, 5, or blank

26\. Applicant Race: 5 101 101 1 AN Values are 1, 2, 3, 4, 5, or blank

27\. Co-applicant Race: 1 102 102 1 N Values are 1, 2, 3, 4, 5, 6, 7, or
8

28\. Co-applicant Race: 2 103 103 1 AN Values are 1, 2, 3, 4, 5, or
blank

29\. Co-applicant Race: 3 104 104 1 AN Values are 1, 2, 3, 4, 5, or
blank

30\. Co-applicant Race: 4 105 105 1 AN Values are 1, 2, 3, 4, 5, or
blank

31\. Co-applicant Race: 5 106 106 1 AN Values are 1, 2, 3, 4, 5, or
blank

32\. Applicant Sex 107 107 1 N Values are 1, 2, 3, or 4

33\. Co-applicant Sex 108 108 1 N Values are 1, 2, 3, 4, or 5

34\. Applicant Income 109 112 4 AN Report in thousands, round to the
nearest thousand with leading zeros and without commas or NA
left-justified

35\. Type of Purchaser 113 113 1 N Values are 0, 1, 2, 3, 4, 5, 6, 7, 8,
or 9

36\. Denial Reason: 1 114 114 1 AN Values are 1, 2, 3, 4, 5, 6, 7, 8, 9,
or blank

37\. Denial Reason: 2 115 115 1 AN Values are 1, 2, 3, 4, 5, 6, 7, 8, 9,
or blank

38\. Denial Reason: 3 116 116 1 AN Values are 1, 2, 3, 4, 5, 6, 7, 8, 9,
or blank

39\. Rate Spread 117 121 5 AN Enter the rate spread to two decimal
places. Include the decimal point and any leading or trailing zeros or
NA left-justified

40\. HOEPA Status 122 122 1 N Values are 1 or 2

**Loan/Application Register (Cont\'d)**

Element Label Start End Length Data Type Comments, Values, Keys, etc.

41\. Lien Status 123 123 1 N Values are 1, 2, 3, or 4

42\. Filler 124 380\* 257 AN Blank

\*CRLF (0D0A) Carriage Return/Line Feed for PC diskette or CD-ROM
reporting only