Loan Application Date/Action Taken Date	Calculator to Use
Loan Application Date is on or after October 1, 2009 OR the Action Taken Date is on or after January 1, 2010	New Calculator
Loan Application Date is before October 1, 2009 AND the Action Taken Date is before January 1, 2010	Old Calculator

 

Direct Link to NEW CALCULATOR and “Average Prime Offer Rates” Tables for compliance with Regulation C (HMDA) and Regulation Z (TILA) amendments effective October 1, 2009:
http://www.ffiec.gov/ratespread/newcalc.aspx

 

Direct Link to OLD CALCULATOR:
http://www.ffiec.gov/ratespread/oldcalc.aspx

 

NOTE: You can save the above links to your browser "Favorites" for convenient access to the appropriate calculator once you are familiar with when to use each calculator.