The File Specifications describe the required electronic (Submission via Web, Internet e-mail,
CD-ROM or PC Diskette) format in which all institutions must submit their data. The file specifications are a required format and must be followed in order for the data file to be processed.

The HMDA data processing system is being redesigned to improve the efficiency and speed of HMDA data processing. A couple HMDA Transmittal Sheet (TS) and Loan Application Register (LAR) data submission file format changes become effective for HMDA data collected as of January 1, 2010; please read the memo dated January 23, 2008.

Available Formats:

2009 PDF File | MS Word

2008 PDF File | MS Word

2007 PDF File | MS Word

• Revised 6/6/2007; transfer of HMDA data collection for all institutions regulated by the Federal Reserve System(FRS) to the Federal Reserve Board (Board).

2006 PDF File | MS Word

• Revised 10/2/2006; Encrypted file location updated to C:\HMDADES\HMDASubmission\HMDAENCR.ENC
• Revised 6/2/2006; language added for FRS reporters.

2005 PDF File | MS Word
2004 PDF File | MS Word

• Revised 9/30/2004; includes File Identifier page for FRB use only.
• Revised 3/31/2004; reflects OMB updates to MSA/MD reporting.

2003 PDF File | MS Word
2002 PDF File | MS Word
2001 PDF File | MS Word
1999/2000 PDF File | MS Word
1998 PDF File | MS Word