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This document provides guidance for financial institutions on how to submit data required under the Community Reinvestment Act (CRA) and the Home Mortgage Disclosure Act (HMDA), highlighting changes
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How to fill out CRA/HMDA
01
Review the CRA/HMDA guidelines to understand the documentation requirements.
02
Gather all necessary data about loan origination and borrower demographics.
03
Access the relevant software or forms needed for submission.
04
Enter data point by point, ensuring accuracy in each category.
05
Double-check entries for errors or omissions before finalizing.
06
Submit the completed CRA/HMDA report to the appropriate regulatory body by the deadline.
Who needs CRA/HMDA?
01
Financial institutions that provide loans and mortgages.
02
Banks, credit unions, and mortgage companies.
03
Entities involved in home lending and residential loan activities.
04
Organizations that must comply with fair lending laws.
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People Also Ask about
What does CRA stand for in finance?
The Community Reinvestment Act (CRA) is a law intended to encourage depository institutions to help meet the credit needs of the communities in which they operate, including low- and moderate-income (LMI) neighborhoods, consistent with safe and sound banking operations.
What is CRA and HMDA?
Two federal laws, the Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA), passed in the 1970s after a national grassroots advocacy campaign that uncovered examples of redlining – refusal to loan in a community due to bankers' misperceptions of risk – gave rise to a community reinvestment movement.
What does CRA stand for in mortgage?
Find out what will happen in court, who may be involved, and what your rights are as a parent, legal guardian, or custodian in a Child Requiring Assistance (CRA) case (formerly known as CHINS).
What does "CRA" mean in lending?
The Community Reinvestment Act (CRA) was enacted to encourage banks to meet the credit needs of the neighborhoods in which they operate, including low- and moderate-income (LMI) communities.
What is CRA lending?
The Community Reinvestment Act (CRA) is a federal and state law that encourages banks and lenders to meet credit needs — including mortgages — for low- and moderate-income communities.
Can a loan be both HMDA and CRA reportable?
Regarding HMDAa reportable loans that are also qualified as community development, i.e. multi-family, affordable housing, those will continue to be reported under HMDA and under CRA. Section 1071 does not collect any community development data.
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What is CRA/HMDA?
CRA (Community Reinvestment Act) and HMDA (Home Mortgage Disclosure Act) are U.S. laws that promote fair lending practices and require financial institutions to disclose information about their lending activities.
Who is required to file CRA/HMDA?
Financial institutions, including banks and credit unions that meet certain asset thresholds and engage in mortgage lending, are required to file CRA and HMDA reports.
How to fill out CRA/HMDA?
Filing CRA and HMDA involves collecting relevant data about mortgage applications, loans, applications denied, and borrower demographics, which must then be reported to regulatory agencies using designated forms.
What is the purpose of CRA/HMDA?
The purpose of CRA and HMDA is to ensure that financial institutions serve the housing needs of their communities, promote transparency in lending practices, and prevent discriminatory lending.
What information must be reported on CRA/HMDA?
Information required includes loan types, loan amounts, applicant demographics, reasons for application denial, and details about the geographic location of the properties involved.
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