File Specifications
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 became effective for HMDA data collected as of January 1, 2010; please read the memo dated January 23, 2008.
Available Formats:
- 2011 HMDA file specifications revised September 27, 2011 as a result of the HMDA rulemaking authority being transferred to the Consumer Financial Protection Bureau (CFPB) and the transfer of OTS functions to other agencies.
- 2011 HMDA file specifications revised August 4, 2011 as a result of the creation of the Consumer Financial Protection Bureau (CFPB) and the transfer of OTS-regulated institutions to various FFIEC members.
- 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).
- 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