HMDAHELP@frb.gov – E-mail is the preferred method of correspondence with HMDA Operations staff to resolve issues about HMDA.

HMDASUB@frb.gov – This address is used for submitting the HMDA Internet e-mail submissions only.  No other correspondence should be sent to this address. 

During January through May, the busiest part of a year for HMDA data collection and processing, HMDAHELP@frb.gov experiences an increased volume of inquiries. Please understand the response time could exceed 2 business days.

We highly recommend you utilize the resources listed below prior to your "help" inquiry to assist with HMDA processing and reporting questions.

A Guide to HMDA Reporting: Getting It Right!
To SEARCH the Guide, choose Search from the title bar or Ctrl F. Type in the key word or phrase and choose Search.

HMDA Frequently Asked Questions
Select the appropriate link. To SEARCH the FAQs, choose Ctrl F. Type in the key word or phrase and the first instance of the search criteria will be highlighted. Choose Find Next to go to each occurrence of the search criteria.

Rate Spread Calculator
The rate spread calculator should be used to calculate the rate spread. Do not use this calculator to calculate the HOEPA status.

HOEPA
HOEPA covers closed-end loans secured by the borrower’s principal residence, other than home purchase loans, WITH RATES OR FEES ABOVE CERTAIN THRESHOLDS OR "TRIGGERS". HOEPA has an APR trigger and a points and fees trigger. For HOEPA calculation information, refer to the following link (http://www.stlouisfed.org/hmdaregcamendments/pages/hoepa_status.html). This page discusses the HOEPA calculation requirements to determine if the originated or purchased closed-end loans secured by the borrower’s principal residence are HOEPA loans.

FFIEC Geocoding System
Use the FFIEC geocoder to obtain property location information (MSA/MD, State, County, Census Tract) for a specific street address.

FFIEC Data Entry Software
Utilize the free data entry software for collecting, editing and reporting HMDA data. The software provides an encrypted Export feature for secure data submission to HMDASUB@frb.gov.

Data Processing Timeline
The data processing timeline provides important dates and deadlines related to HMDA processing.