Procedural Notes on Ethnicity, Race & Sex An applicant is not required to select an aggregate category as a precondition to selecting a subcategory. You should not report an aggregate category if it was not selected by the applicant. Do not report the ethnicity, race or sex or guarantors. If are no co-applicants, you must use the corresponding codes for “No Co-Applicant.” If there is more than 1 co-applicant, you must report the ethnicity, race, and sex for the only the first For purchased covered you may report “NA” if you choose not to report the information. Report “NA” for applicant and/or co-applicants that are not natural persons (LLC, corporation, partnership, etc.) Report BOTH the aggregate ethnicity and race categories AND the subcategories identified by the applicant. Preference is to the aggregate categories. For example, if the applicant selects all 5 aggregate race categories and also selects some race subcategories, you would only report the 5 aggregate race categories. If the applicant chooses not to provide the information for an application taken in person, not the fact on the collection form and collect the information by visual observation or surname. If the applicant states on an application or orally that he or she does not wish to provide the information for an application taken by phone, you must report the code for “information not provided by applicant by mail, internet or telephone application.” Ethnicity of or Application or by Visual observation/surname Hispanic or Latino 11. Mexican 12. Puerto Rican 13. Cuban 14. Other Hispanic or Latino 2. Not Hispanic or Latino 3. Information not provided by applicant in mail, internet or telephone application 4. Not applicable 5. No co-applicant If this data field does not contain an entry, leave it blank. If the application provided ethnicity in the Free Form Text Field for Other Hispanic or Latino and did not select Code 14, either leave the data field blank or enter Code 14. Ethnicity of Applicant or Borrower Collected on the Basis of Visual Observation or Surname Application or by Visual observation/surname Collected on the basis of visual observation or surname Not collected on the basis of visual observation or surname Not applicable Ethnicity of or Collected on Application or by Visual observation/surname Collected on the basis of visual observation or surname
For an open-end line of credit with a definite term, report the number of months from account opening until the account termination date, including both the draw and repayment periods. Introductory Rate Period TRID Disclosures Home Equity Loan Agreement and Disclosure Example: 24 or NA Report the number of months or proposed number of months in the case of an application until the first date the interest rate may change after closing or account opening. Preferred Section 1003.4(a)(26) does not require reporting of introductory interest rate period based on preferred rates unless the terms of the legal obligation provide that the preferred rate will expire at a certain defined date. Report “NA” for fixed rate and purchased loans. Balloon Payment Note Balloon Payment No Balloon Payment Interest-Only Payments TRID Disclosures Home Equity Loan Agreement and Disclosure Interest-only payments No interest-only payments Negative Amortization TRID Disclosures Home Equity Loan Agreement and Disclosure Negative amortization No negative amortization Other non-Amortizing Features TRID Disclosures Home Equity Loan Agreement and Disclosure non-fully amortizing features No other non-fully amortizing features Property Value Appraisal or Evaluation Example: 350500 or NA is not rounded. Report “NA” if not decision was made, even if you obtained a property (e.g. withdrawn, closed for incompleteness). Manufactured Home Secured Property Type Appraisal Manufactured home and land Manufactured home and not land Not applicable Manufactured Home Land Property Interest Appraisal Direct ownership Indirect ownership Paid leasehold