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Lenders Covered by HMDA Data Reporting RequirementsBoth depository institutions – such as banks, savings and loan associations, and credit unions – and nondepository institutions – including mortgage and consumer finance companies – are required to report HMDA data if they meet the regulatory criteria for coverage. These criteria are found in section 203.2(e) of the Federal Reserve Board’s Regulation C. Generally, the determination of HMDA coverage depends on:
In 2004, 8,121 lenders reported HMDA data for 2003. The number of national banks that reported HMDA data for 2003 totaled 1,020. For more information about the specific coverage criteria for institutions under the HMDA regulations, go to http://www.ffiec.gov/hmda/pdf/2004guide.pdf. |
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