**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**

![](media/image1.wmf){width="2.6368055555555556in"
height="1.9756944444444444in"}

**File Specifications For 1999/2000 HMDA data**

**Federal Deposit Insurance Corporation (FDIC)**

**National Credit Union Association (NCUA)**

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

**Reporting Changes For 1999/2000 HMDA Files**

**Introduction**

+-----------------------------------------------------------------------+
| The HMDA file specifications were amended August 1, 2000 to comply    |
| with the Board of Governors of the Federal Reserve System (Board)     |
| policy to no longer accept \'reel\' tapes for the submission of HMDA  |
| data. If you are a HMDA reporter who is regulated by the OCC, FRS,    |
| FDIC, or NCUA and you transmit your data on tape; or if you are a     |
| vendor who submits HMDA data for one of these federally-regulated     |
| institutions, do not submit HMDA data for any year on \'reel\' tapes. |
| (HMDA reporters supervised by the OTS or HUD should follow their      |
| regulator\'s transmission requirements).                              |
|                                                                       |
| **The only acceptable media for transmitting HMDA data to the Board   |
| will be Internet email, PC diskette, CD-ROM, or \'cartridge\' tape    |
| (specifically, IBM or IBM-compatible tapes 3480, 3490, or 3490E).**   |
+-----------------------------------------------------------------------+

**File Specifications For 1999/2000 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, or OCC reporter.

**General Information For PC Diskette, CD-ROM and Cartridge Tape**

All records are 314 characters and contain the following:

>  The Transmittal Sheet has 16 elements comprising 207 characters and
> filler
>
> comprising 107 characters of blanks.
>
>  The Loan/Application Register has 26 elements comprising 103
> characters and
>
> filler comprising 211 characters of blanks.

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

**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

 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.

>  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. The
> HMDA Transmittal Sheet should only be included on the first diskette.
>
> 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

> Reporter\'s name, identification number, agency code, processing year,
> contact name, phone
>
> number, number of diskettes (e.g., 1 of 3), number of LAR records, and
> any other pertinent
>
> information.

7\. All diskettes submitted should be virus‑free.

> 8\. The diskette will contain two types of records:

1 = Transmittal Sheet

2 = LAR Register Data

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

**Cartridge Tape Format Information**

**Cartridge Tape Format Characteristics**

HMDA data submitted via Cartridge Tape must adhere to the following
specifications:

1\. Tape Label: All Tapes MUST be non-labeled

2\. Record Format: Fixed Block

3\. Blocksize: 24,178

4\. Record Length: 314

5\. File Organization: Physical Sequential

6\. Tape Density: 3480, 3490, or 3490E IBM Compatible Cartridges -
non-compressed.

(No other type will be accepted.)

7\. Data Format: EBCDIC

8\. The tape will contain three types of records in one file:

0 = File Identifier

1 = Transmittal Sheet 2 = LAR Register Data

9\. End of file marker should be included

> 10\. A tape should be accompanied with a document containing the
> respondent\'s name,
>
> identification number and agency code, record length, block size,
> contact name, phone
>
> number, number of LAR records, and any other pertinent information.

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

file.

**File Identifier**

**(INCLUDE THE FILE IDENTIFIER WITH CARTRIDGE TAPE SUBMISSIONS 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, 3=FDIC, or 5=NCUA

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. 18, 1999, at 1:30 pm would be
199901181330)

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., 1999)

12\. Filler 68 314 247 AN Blank

**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, 3=FDIC, or 5=NCUA

04\. Timestamp 13 24 12 N Format is century, year, month, day, hour,
minute (e.g., Jan. 18, 1999, at 1:30 pm would be 199901181330)

05\. Transaction Code 25 25 1 N Values are 1=Delete, 2=Add, or 3 =
Revise

06\. Activity Year 26 29 4 N Four digit year (e.g., 1999)

07\. Respondent Name 30 59 30 AN

08\. Respondent Address 60 99 40 AN

09\. Respondent City 100 124 25 AN

10\. Respondent State 125 126 2 AN Postal Code abbreviation

11\. Respondent Zip 127 136 10 AN Format is 99999 left justified or Code
99999‑9999

12\. Contact Person\'s 137 166 30 AN For report questions

Name

13\. Contact Person\'s 167 178 12 AN Format is 999-999-9999

Phone Number

14\. Tax ID 179 188 10 AN Format is 99‑9999999

15\. Total Line 189 195 7 N The number of line entries contained in the
Entries accompanying Loan Application Register

16\. Contact Person's 196 207 12 AN Format is 999-999-9999

Fax Number

17\. Filler 208 314\* 107 AN Blank

\*CRLF (0D0A) Carriage Return/Line Feed for PC diskette 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, or 5=NCUA

04\. Timestamp 13 24 12 N Format is century, year, month, day, hour,
minute (e.g., Jan. 18, 1999, at 1:30 pm would be 199901181330)

05\. Transaction Code 25 25 1 N Values are 1=Delete, 2=Add, or

3=Revise

06\. Loan/Application

Number 26 50 25 AN Unique identifier across the home office and branch
sites

07\. Date Application

Received 51 58 8 AN Format is ccyymmdd or NA left justified

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

09\. Loan Purpose 60 60 1 N Values are 1, 2, 3, or 4

10\. Owner Occupancy 61 61 1 N Values are 1, 2, or 3

11\. Loan Amount 62 66 5 N Rounded to the nearest thousand with leading
zeros and without commas

12\. Type of Action 67 67 1 N Values are 1, 2 ,3, 4, 5, or 6

Taken

13\. Date of Action 68 75 8 AN Format is ccyymmdd

14\. MSA 76 79 4 AN FIPS code with leading zeros or NA left justified

15\. State Code 80 81 2 AN FIPS code with leading zeros or NA left
justified

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

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

16\. County Code 82 84 3 AN FIPS code with leading zeros or NA left
justified

17\. Census Tract 85 91 7 AN Include decimal point and any leading or
trailing zeros or NA left justified

18\. Applicant Race 92 92 1 N Values are 1, 2, 3, 4, 5, 6, 7, or 8

19\. Co‑Applicant Race 93 93 1 N Values are 1, 2, 3, 4, 5, 6, 7, or 8

20\. Applicant Sex 94 94 1 N Values are 1, 2, 3, or 4

21\. Co‑applicant Sex 95 95 1 N Values are 1, 2, 3, or 4

22\. Applicant Income 96 99 4 AN Rounded to the nearest thousand with
leading zeros and without commas or NA left justified

23\. Type of Purchaser 100 100 1 N Values are 0, 1, 2, 3, 4, 5, 6, 7, 8,
or 9

24\. Denial Reason: 1 101 101 1 AN Values are 1, 2, 3, 4, 5, 6, 7, 8, 9,
or blank

25\. Denial Reason: 2 102 102 1 AN Values are 1, 2, 3, 4, 5, 6, 7, 8, 9,
or blank

26\. Denial Reason: 3 103 103 1 AN Values are 1, 2, 3, 4, 5, 6, 7, 8, 9,
or blank

27\. Filler 104 314\* 211 AN Blank

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