2021 HMDA Flowchart

Updated 01/07/2021

This flowchart can be used to determine whether the Bank is a covered reporter, to what extent they are a HMDA reporter, and whether the loan is covered under HMDA. This flowchart will assist in determining to what extent HMDA applies. Includes the partial exemption under the Economic Growth, Regulatory Relief, and Consumer Protection Act. Updated asset size threshold to above $48 million as of December 31, 2020. Updated to reflect HMDA Final Rule 2020 amendments.

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