Get the free CRA /HMDA Aggregate and Disclosure Distribution Changes - FFIEC - ffiec

NOVEMBER 2006 CRA/HMD Aggregate and Disclosure Distribution Changes he collection of calendar year (CY) 2005 Community Reinvestment Act (CRA), Home Mortgage Disclosure Act (HMD), and Private Mortgage

How to fill out cra hmda aggregate and

How to fill out CRA HMDA aggregate and:

1. Gather all relevant data: Start by collecting all necessary information required for the CRA HMDA aggregate. This includes details about loans, applications, and mortgage originations.
2. Categorize the data: Organize the collected data into appropriate categories such as loan type, borrower demographics, loan purpose, and loan amount. This step ensures accurate analysis and reporting.
3. Calculate aggregate figures: Utilize the categorized data to calculate aggregate figures, such as the total number of loan applications, total loan amount, and the distribution across different loan types and borrower characteristics.
4. Verify accuracy: Double-check all calculations and ensure the accuracy of the aggregated data. Any errors or inconsistencies should be corrected before moving forward.
5. Complete the required forms: Fill out the CRA HMDA aggregate forms as per the provided guidelines and instructions. Enter the calculated aggregate figures in their respective sections.
6. Review and proofread: Thoroughly review and proofread the completed CRA HMDA aggregate forms to ensure they are error-free and comply with all relevant requirements.

Who needs CRA HMDA aggregate and:

1. Financial institutions: Banks, credit unions, and other financial institutions that are subject to the Community Reinvestment Act (CRA) and Home Mortgage Disclosure Act (HMDA) regulations need to provide CRA HMDA aggregate reports. This allows them to demonstrate their compliance with these regulations to regulatory authorities.
2. Regulators and authorities: Regulatory agencies, such as the Consumer Financial Protection Bureau (CFPB) and relevant state banking departments, require CRA HMDA aggregate reports from financial institutions. These reports help monitor and evaluate the institutions' performance in meeting credit needs and promoting fair lending practices in their communities.
3. Public and community organizations: CRA HMDA aggregate reports are also vital for public and community organizations, as they utilize this information to assess the lending practices of financial institutions in their respective regions. These reports help identify any disparities or gaps in lending to specific communities or demographic groups.

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