EDITION EFFECTIVE JANUARY 1, 2007 (For HMDA Submissions due March 1, 2008)

A GUIDE TO HMDA Reporting Getting It Right!

Federal Financial Institutions Examination Council

LOAN/APPLICATION REGISTER Page of

Name of Reporting Institution City, State, ZIP

All columns (except Reasons for Denial) must be completed for each entry. See t

Application or Loan Information

Date Application Application or Received Loan Number (mm/dd/ccyy) Example of Loan Originated Following Preapproval LB-687439 01/15/2007 Example of Preapproval Request Denied 5678904321-1234098765 06/01/2007 Example of Application Denied 0123456789-9876543210 03/20/2007 A GUIDE TO HMDA Reporting Getting It Right!

Edition effective January 1, 2007 (for HMDA submissions due March 1, 2008 or later

This edition of the Guide is the comprehensive edition for use with 2007 calendar year data (due March 1, 2008). Appendices include the Federal Reserve Board’s Regulation C (Home Mortgage Disclosure); the Instructions for Completion of the HMDA Loan/Application Register (LAR); the staff com­ mentary to the regulation; the Home Mortgage Disclosure Act; state and county codes, together with metropolitan statistical area (MSA) and metro­ politan division (MD) numbers; contact information for the federal supervisory agencies; and the HMDA poster.

June 2007 Contents Foreword ______v Introduction Purposes of HMDA ______1 Data Collection, Reporting, and Disclosure in a Nutshell ______1 Management's Responsibilities ______2

Who Must Report Coverage Criteria ______3 Definition of a “Branch Office” ______5 Mergers and Acquisitions ______5 Exemptions Based on State Law ______6 Brokered or Correspondent Loans: Who Reports? ______6

Data Reporting in General The Loan/Application Register (LAR) ______7 Transactions to be Reported ______8 Information to be Reported about Each Transaction ______8 Transactions Not to be Reported ______9

Completing the LAR Step by Step Application or Loan Information ______10 Action Taken ______12 Property Location ______13 Applicant Information ______15 Sale of the Loan ______16 Reasons for Denial ______16 Loan Price and Lien Status ______16

Sources of Geographic Information (Geocoding Tools) _____ 18 Census Tract Street Address Lookup Resources ______18 Census Tract Map Resources ______18

iii Submitting the LAR Officer's Certification and Contact Information ______22 Checklist for Person Completing the LAR ______23 Checklist for the Certifying Officer ______24 Editing the Data ______25 Transmitting the Data ______25 Resubmitting the Data ______26

Disclosing the Data Disclosure of a Modified LAR ______27 Disclosure Statements Prepared by the FFIEC ______27 Aggregate Tables Prepared by the FFIEC ______27

Glossary ______28 Appendices A— Form and Instructions for Completion of HMDA Loan/Application Register ______A-1 B— Form and Instructions for Data Collection on Ethnicity, Race, and Sex ______B-1 C— Regulation C ______C-1 D—Staff Commentary to Regulation C ______D-1 E— The Home Mortgage Disclosure Act ______E-1 F— State and County Codes and MSA/MD Numbers ______F-1 G—Federal Supervisory Agencies ______G-1 H— HMDA Poster ______H-1

iv Foreword A Guide to HMDA Reporting: Getting „ how the data will be disclosed to the It Right! will assist you in complying public by the institution and the with the Home Mortgage Disclosure FFIEC. Act as implemented by Regulation C. The Guide was written to address the The FFIEC produces a public disclosure needs of financial institution managers statement for every covered institution and employees responsible for HMDA and for every metropolitan statistical compliance. area (MSA) and metropolitan division (MD). The disclosures and other HMDA The Guide was developed by the data are available from the FFIEC, by member agencies of the Federal Finan­ accessing the FFIEC Internet site, cial Institutions Examination Council www.ffiec.gov/hmda, by sending an (FFIEC)—the Office of the Comptroller e-mail to [email protected], or by call­ of the Currency (OCC), the Federal ing the Board's HMDA Assistance Line, Deposit Insurance Corporation (FDIC), (202) 452-2016. the Office of Thrift Supervision (OTS), the Board of Governors of the Federal This Guide is a general statement of the Reserve System (Board), and the requirements of HMDA and Regulation National Credit Union Administration C, not a verbatim restatement of the law. (NCUA)—and the Department of Hous­ To comply fully with HMDA, you must be ing and Urban Development (HUD). familiar with „ Regulation C (reproduced in Appen­ This new edition of the Guide reflects dix C to this Guide), including its the substantial amendments to Appendices A and B (reproduced in Regulation C that take effect on Appendices A and B to this Guide), January 1, 2004. Other changes to „ the Staff Commentary to Regulation C the Guide, such as breaking it into (reproduced in Appendix D to this more chapters and adding references Guide), and to the regulation and staff commentary, „ informal guidance the Board may are intended to make it more useful as issue from time to time on the web a training and compliance guide. The site of the FFIEC (for example, in the “Questions and Answers” section has form of Questions and Answers). been omitted from the Guide, but will be available on the web site of the The Guide merely supplements, and FFIEC (www.ffiec.gov/hmda). does not substitute for, those sources. For further information about compli­ The Introduction reviews HMDA’s pur­ ance, contact your federal supervisory poses and data collection, reporting, agency (see Appendix G to this Guide). and disclosure requirements. It also summarizes management’s responsibili­ The FFIEC welcomes suggestions for ties. The remaining parts of the Guide changes or additions that might make describe in more detail: this Guide more helpful. Write to „ what information a covered institution FFIEC, 3501 Fairfax Drive, Room 3086 must collect, Arlington, VA 22226. Or send e-mail to „ how the information should be re­ [email protected]. ported on the HMDA loan/application register, and

v Introduction Purposes of HMDA The regulation’s coverage criteria are The Home Mortgage Disclosure Act, illustrated in diagrams in the next chap­ enacted by Congress in 1975 and ter, Who Must Report. made permanent in 1988, requires depository and nondepository lenders There are three categories of loans that to collect and publicly disclose infor­ must be reported: home purchase, mation about housing-related loans home improvement, and refinancing. and applications for such loans, Each has a specific definition, which including several applicant/borrower may vary from your institution’s use of characteristics. HMDA is implemented the term. You will find the definitions in by the Federal Reserve Board’s the chapter Data Reporting in General. Regulation C (12 CFR Part 203) and a There you will also find a list of types of staff commentary (12 CFR Part 203, transactions that are not reportable Supp. I). under HMDA.

The housing-loan data that lenders Every loan application, origination, and must disclose under HMDA: purchase that falls into one or more of „ show whether financial institutions the three categories must be reported. are serving the housing credit With some exceptions, for each trans­ needs of their neighborhoods and action the lender reports data about: communities; „ the loan, such as its type and „ assist in directing government offi­ amount; cials and private investors to areas „ the property, such as its location that may need investment; and and type; „ help identify possible discriminatory „ the disposition of the application, lending patterns and assist regula­ such as whether it was denied or tory agencies in enforcing compli­ resulted in an origination; and ance with antidiscrimination statutes. „ the applicant (namely, ethnicity, race, sex, and income). HMDA does not prohibit any activity, nor is it intended to encourage unsound That information must be recorded on a lending practices or the allocation of form known as the HMDA loan/applica­ credit. tion register (variously known as the HMDA-LAR, the LAR, or the register). Data Collection, Reporting, A summary of the instructions for com­ and Disclosure in a Nutshell pleting the LAR appears in the chapter As implemented by Regulation C, HMDA Completing the LAR Step by Step. requires covered depository and non- depository institutions to collect and Additional information essential to publicly disclose information about reporting property location appears in applications for, originations of, and the chapter Sources of Geographic purchases of home purchase loans, Information (Geocoding Tools). home improvement loans, and refinan­ cings. Whether an institution is covered depends generally on its asset size, its location, and whether it is in the busi­ ness of residential mortgage lending.

1 Introduction An institution must transmit its LAR to „ Appropriate record entries are made the processing agency indicated by on the LAR within thirty calendar its supervisory agency, ordinarily in days after the end of the calendar electronic form, and preferably by quarter in which final action occurs Internet e-mail as an encrypted file (such as origination or purchase of a (hmdaencr.enc) attachment. Instruc­ loan, or denial or withdrawal of an tions concerning transmittal can be application). For loans sold, the type found in Submitting the LAR. Every of purchaser may be added later. reporting institution must also disclose „ An officer of the institution monitors its LAR to the public after deleting infor­ the collection of the loan/application mation that might compromise consumer data during the course of the year privacy. See Disclosing the Data. for compliance with the reporting instructions, reviews the data, and The FFIEC, on behalf of the agencies, certifies the accuracy of the data creates a series of tables from each submitted to the institution’s pro­ institution’s data. Every institution must cessing agency at year-end. make its tables available to the public. „ The loan/application data are sub­ In addition, the FFIEC will prepare and mitted annually on time (by March 1 release tables that aggregate all report­ following the calendar year of the ing institutions’ data by metropolitan sta­ data), and the institution responds tistical area or metropolitan division. promptly to any questions that may Those disclosures are discussed in more arise during processing of the data detail in Disclosing the Data. submitted. Management's Responsibilities Administrative sanctions. Given the importance of accurate and timely sub­ If your institution is required to comply mission of HMDA data, a violation of the with HMDA, management must ensure reporting requirements may subject the that: reporting institution to administrative „ Procedures are in place for collecting sanctions, including the imposition of and maintaining accurate data civil money penalties, where applicable. regarding each loan application, loan origination, and loan purchase— for home purchase loans, home improvement loans, and refinancings. „ The individuals assigned respon­ sibility for preparing and maintaining the data understand the regulatory requirements and are given the resources and tools needed to pro­ duce complete and accurate data.

2 Who Must Coverage Criteria of residential mortgage lending. The Whether a depository institution or non- precise coverage criteria, codified in Report depository institution is covered depends § 203.2(e) of Regulation C, are illus­ Coverage Criteria on its size, the extent of its business in trated by the following diagrams. for Depository an MSA, and whether it is in the business Institutions

Is the institution a bank, credit NO See next page union, or savings association?

YES

On the preceding December 31, NO did the total assets of the institution It is exempt exceed the coverage threshold?1

YES

On the preceding December 31, did NO the institution have a home or branch It is exempt office in an MSA?2

YES In the preceding calendar year, did the institution originate at least one home purchase loan or refinancing NO It is exempt of a home purchase loan secured by a first lien on a one-to-four-family dwelling?

YES

Is the institution federally insured or regulated; was the mortgage loan 1 Every December, the Fed­ insured, guaranteed, or supple­ NO eral Reserve Board will an­ It is exempt nounce the threshold for the mented by a federal agency; or was following year in the Federal the loan intended for sale to Fannie Register. The asset threshold may change from year to year Mae or Freddie Mac? based on changes in the Consumer Price Index for Urban Wage Earners and YES Clerical Workers. 2 See the next subchapter for HMDA Applies to Loan the definition of a “branch Originations, Purchases, and office.” Applications in the Current Calendar Year

3 Coverage Criteria NO for Other Is the lender a for-profit institution? It is exempt Mortgage Lending Institutions YES In the preceding calendar year, did the institution's home purchase loan originations (including NO refinancings of home purchase It is exempt loans) equal or exceed 10 percent of its total loan originations, measured in dollars, or equal $25 million or more?

YES Did the institution either: (1) have a home or branch office3 in an MSA on the preceding December 31, or (2) receive applications for, NO originate, or purchase five or more It is exempt home purchase loans, home improvement loans, or refinancings on property located in an MSA in the preceding calendar year?

YES Did the institution either: (1) have assets (when combined with the assets of any parent corporation) exceeding $10 million on the NO preceding December 31, or It is exempt * See staff comment (2) originate* 100 or more home 203.2(e)-4, Appendix D-4. purchase loans (including refinancings of home purchase loans) in the preceding calendar year?

YES HMDA Applies to Loan Originations, Purchases, and Applications in the Current Calendar Year

3 See the next subchapter for the definition of a “branch office.”

4 Who Must Report Definition of a Mergers and Acquisitions “Branch Office” When a merger or an acquisition takes The term “branch office” appears in the place questions often arise about how coverage criteria for both depository and when to report HMDA data. The and nondepository institutions. The term five scenarios described below should refers to offices of your institution, not to answer many questions. You can refer offices of affiliates or of other parties others to your federal supervisory such as loan brokers. As defined in agency for resolution. Regulation C at § 203.2(c), the term has „ Two institutions merge, producing a different meanings for depository institu­ successor institution whose assets tions and for nondepository institutions. exceed the asset threshold for cov­ erage. Both were previously exempt For a bank or other depository institu­ because of asset size. The succes­ tion, branch office means an office sor institution’s first HMDA data col­ approved as a branch by a supervisory lection will be for the calendar year agency (except that a branch office of a following the year of the merger. No credit union is any office where member data collection is required for the accounts are established or loans are year of the merger. made, whether or not the office has „ Two institutions merge, one covered been approved as a branch by a federal and one exempt. The covered insti­ or state supervisory agency). The term tution is the surviving institution. For does not include other offices where the the year of the merger, data col­ institution merely takes loan applica­ lection for loan applications, origina­ tions, nor does it include automated tions, and purchases is required for teller machines (ATMs). the covered institution’s transactions and is optional for transactions For other types of institutions, such as handled in offices of the previously mortgage companies, branch office exempt institution. refers to any office that takes applica­ „ Two institutions merge, one covered tions from the public for home purchase and one exempt. The exempt insti­ loans, home improvement loans, or tution is the surviving institution, or a refinancings. Those entities also are new institution is formed. Data col­ considered to have a branch office in lection for loan applications, origina­ any MSA where in the preceding year tions, and purchases is required for they received applications for, origi­ transactions of the covered institu­ nated, or purchased five or more loans tion that take place prior to the for home purchase, home improvement merger. Data collection is optional or refinancing related to property for transactions taking place after located in that MSA—whether or not the merger date. they had a physical office there. As a result, a nondepository lender not cov­ „ Two covered institutions merge. The ered by HMDA in the current calendar surviving or resulting institution must year must keep sufficient geographic report complete data for the year in records of lending in the current calen­ which the merger occurred; the insti­ dar year to determine whether it is cov­ tution has the option of filing a con­ ered in the following year. solidated report or separate reports for that year.

5 Who Must Report If the institutions reported to different Exemptions Based on agencies before the merger, the State Law reports for the year in which they State chartered institutions located in a merged and all subsequent reports state that has enacted a mortgage dis­ must be submitted to the agency closure law may be granted an exemp­ designated by the supervisory tion from HMDA if they are subject to agency of the surviving or resulting state law requirements that are substan­ institution to receive that institution's tially similar to federal requirements data. and there are adequate provisions for enforcement. Those institutions will sub­ For guidance on the Respondent ID mit the required information to their state (RID) number and agency code to supervisory agency. Institutions will be use for HMDA reports in merger situ­ informed by their state supervisory ations, e-mail the details of the agency when such an exemption has merger to [email protected]. been granted. As of publication, no state exemptions are in effect. „„„ A covered institution purchases HMDA-related loans in bulk from Brokered or Correspondent another entity (for example, from a Loans: Who Reports? failing institution). As neither a When a covered institution makes a loan merger with nor acquisition of an through a third party such as a broker, institution, nor an acquisition of a the institution, rather than the third party, branch, is involved, the purchasing reports the loan if the institution makes institution must report those loans as the credit decision. Data on loan appli­ “purchased loans.” cations that do not result in an origina­ tion must also be reported by the entity that makes the credit decision. Consult staff comments 203.1(c)-2 through -7 for more guidance.

6 Data The Loan/Application Separate or Combined Register (LAR) Registers? Reporting HMDA requires covered institutions to You may prefer to keep a separate reg­ In General compile and disclose on a calendar-year ister for each of the different categories basis data about applications for, origi­ of loans—or even separate registers nations of, and purchases of home pur­ at different branches. Keep in mind, chase loans, home improvement loans, however, that the application or loan and refinancings. Information about each identifiers must be unique within your application or loan, and about each institution. For example, if your report applicant or borrower, is reported on a contains data from several branch loan-by-loan, application-by-application offices, and each branch keeps its own basis on a loan/application register (LAR, register, assign codes or series of num­ or register). The LAR must be completed bers to each branch to avoid duplica­ in accordance with Regulation C (Appen­ tion. Send all the registers for your dices A–C to this Guide) and the staff institution to your processing agency in commentary (Appendix D to this Guide). a consolidated report or automated file annually by March 1 following the calen­ Appendix A to Regulation C (Appendix dar year of the data. See page 25. A to this Guide) prescribes the format of the LAR, including the fields' names, Quarterly updates. Regulation C sizes, and order. An electronic copy of requires quarterly updates of the LAR. the LAR is available at www.ffiec.gov/ A covered institution must record a hmda. You need not use the form that transaction on the LAR within thirty days appears in the appendix, but your layout after the end of the calendar quarter in must follow its format. The regulation which final action on the transaction is does not prescribe the order in which the taken (such as origination or purchase loans appear on your register, and the of a loan, or denial of an application). loans need not be grouped by type or Your regulator may require you to other variable. update the data more frequently than Regulation C requires. A LAR for a given calendar year must contain all reportable applications that Practical Tips for Quarterly reached final action (e.g., origination of Updates: a loan, denial of an application) in that „ If you use an outside servicer to year, regardless in which year the appli­ geocode property locations, make cation was submitted. The LAR should appropriate arrangements to have exclude applications that have not yet geocoding completed on a timely reached a final action; those applications basis. should appear on the LAR for the calen­ „ In some cases you may be able to dar year in which they reach final action. wait until the loan transaction is com­ plete to determine the census tract number (for example, from the appraisal report) and still meet the quarterly updating requirement. But keep in mind that census tract num­ bers are also required for loan appli­ cations that are denied or withdrawn.

7 Data Reporting „ For loans sold in a later quarter, the Home equity lines of credit (HELOCs) in General field for “type of purchaser” may be for home purchase or improvement may filled in later, after the sale. be reported at the institution’s option. Report only the amount that is intended Annual submission. An institution must for home purchase or home improve­ send the LAR to the address indicated ment purposes. An institution that by its supervisory agency no later than reports home equity credit line origina­ March 1 following the calendar year of tions must also report any applications the loan data. See page 25. that do not result in an origination.

Transactions Information to be Reported to be Reported about Each Transaction An application or loan is reported if it Every application, origination, and pur­ falls into one or more of the following chase that falls into one or more of the three categories: home purchase loan, three categories (home purchase, home home improvement loan, or refinancing. improvement, refinancing) must be 1. A home purchase loan is any loan reported as a separate line item on the secured by and made for the pur­ LAR. With some exceptions, for each pose of purchasing a dwelling. transaction the lender reports data about: 2. A home improvement loan is (a) any dwelling-secured loan to be used, „ the loan, such as type and amount; at least in part, for repairing, rehabili­ „ the property, such as location and tating, remodeling, or improving a type; dwelling (or the real property on „ the disposition of the application, which the dwelling is located) or such as originated or denied; and (b) any loan not secured by a lien on „ the applicant(s), namely, ethnicity, a dwelling to be used, at least in race, sex, and income. part, for one or more of those pur­ poses that is classified as For more detail, see Completing the a home improvement loan by the Register Step by Step and Appendix A. institution. 3. A refinancing is any dwelling- secured loan that replaces and satis­ fies another dwelling-secured loan to the same borrower. See page 29.

8 Transactions „ Loans acquired as part of a merger Not to be Reported or acquisition, or as part of the The following transactions are excluded acquisition of all of the assets and from reporting under HMDA: liabilities of a branch office (defined at page 5). „ Loans made or purchased in a fidu­ ciary capacity. „ The acquisition of only a partial interest in a home purchase or home „ Loans on unimproved land. improvement loan or a refinancing by „ Construction loans and other tempo­ your institution, even if you have rary financing (but construction- participated in the underwriting and permanent loans must be reported). origination of the loan (such as in „ Purchase of an interest in a pool of certain consortium loans). mortgages, such as a mortgage par­ „ Prequalification requests for ticipation certificate, a real estate mortgage loans, as opposed to mortgage investment conduit preapproval requests, which must be (REMIC), or a mortgage-backed reported. See comment 203.2(b)-2. security. „ Assumptions not involving a written „ Purchase solely of loan servicing agreement between the lender and rights. the new borrower.

9 Completing For each application or loan, every col- Application or Loan umn field must be completed except Information the LAR “reasons for denial,” which is optional „ Identification number. You may under Regulation C. For institutions regu- Step by Step enter any identifier (up to 25 lated by the OTS or OCC, however, characters long) that can be used completion of the “reasons for denial” is later to retrieve the particular loan required by those agencies’ regulations. or application to which the entry (The regulation cite for OCC is 12 CFR relates. To ensure consumers’ 27.3(a)(1)(i); for OTS, it is 12 CFR privacy, it is strongly recommended For guidance on 528.6)). reporting applica- that institutions not use applicants’ or tions taken before Caveat borrowers’ names or social security January 1, 2004 The following guide to completing the numbers on the LAR. on which final LAR is a general statement of the The identifier must be unique among action is taken requirements of Regulation C. To be all entries from your institution. For after January 1, able to comply fully with the regulation, example, if your report contains data 2004, see staff you must be familiar with the more from several branches, and each comment detailed instructions in Regulation C branch keeps its own register, make 203.4(a)-4. (Appendix C to this Guide), including sure that you assign a code (or a the field-by-field instructions in the series of numbers) to each branch to regulation’s Appendix A (Appendix A to avoid duplication. this Guide), and in the staff commentary For more information, see Appendix to Regulation C (Appendix D to this A, I.A.1. and staff comment Guide). 203.4(a)(1)-4.

For reader convenience, each section below contains references to relevant sections of Regulation C and the staff commentary.

Form FR HMDA-LAR OMB Nos. 1557-0159 (OCC), 3064-0046 (FDIC), 1550-0021 (OTS), and 7100-0247 (FRB); and LOAN/APPLICATION REGISTER 2502-0539 (HUD); 3133-0166 (NCUA).

TRANSMITTAL SHEET

You must complete this transmittal sheet (please type or print) and attach it to the Loan/Application Register, required by the Home Mortgage Disclosure Act, that you submit to your supervisory agency. Agency Total line entries contained in Reporter's Identification Number Code Reporter's TaxIdentification Number attached Loan/Application Register

LOAN/APPLICATION REGISTER Page of The Loan/Appl pages. Name of Reporting Institution City, State, ZIP Enter the name All columns (except Reasons for Denial) must be completed for each entry. See the instructions for details. Institutions Exa Application or Loan Information Action Taken

Loan Date Amount Application Prop- Owner in Pre- Application or Received Loan erty Pur- Occu- Thou- ap- Date Loan Number (mm/dd/ccyy) Type Type pose pancy sands proval Type (mm/dd/ccyy) Example of Loan Originated Following Preapproval LB-68743 9 01/15/2007 1 1 1 1651 1 02/22/2007 Example of Preapproval Request Denied 5678904321-1234098765 06/01/2007 1 1 1 1 125 1 7 06/20/2007 Enter the name Example of Application Denied Following Preapproval your register: 0123 4567 89- 987 65 432 10 03/20/2007 1 1 1 1501 3 04/30/2007

Figure 3: Loan/Application Register

10 „ Date application received. Report „„„ Property Type. Report whether the either the date the application was loan or application was for manufac­ received or the date shown on the tured housing, a multifamily dwelling, application form, but be generally or a one-to-four-family dwelling other consistent. For purchased loans, than manufactured housing. For more enter “NA” for “not applicable.” For information, see Appendix A, I.A.4, more information, see Appendix A, Regulation C § 203.2(i), and staff I.A.2, and staff comments comment 203.2(i)-1. 203.4(a)(1)-1, -2, and -3, which „„„ Purpose of loan. Report whether the include guidance on the date to be loan or application was for a home used when an application is purchase loan, a home improvement forwarded by a broker or reinstated/ loan, or a refinancing. For more reconsidered. information, see Appendix A, I.A.5. „ Type of loan. Enter the appropriate Relevant definitions can be found in code to indicate whether the loan Regulation C §§ 203.2(d), (g), (h), originated, applied for, or purchased and (k). Further explanation can be was conventional, government- found in the respective provisions guaranteed, or government-insured. of the staff commentary and, for For more information, see Appendix refinancings, on page 29. A, I.A.3.

Application or Loan Information

Date Application Prop- Owner Application or Received Loan erty Pur- Occu- Loan Number (mm/dd/ccyy) Type Type pose pancy Originated Following Preapproval 9 01/15/2007 1 1 1 1 proval Request Denied

2 1 - 1 2 3 40 98 76 5 06/01/2007 1 1 1 1 cation Denied Following

8 9 - 9 8 7 6 5 4 3 210 03/20/2007 1 1 1 1

11 Completing can be found in Appendix A, I.A.7. the LAR MULTIPURPOSE LOAN For guidance concerning counter­ Step by Step If a loan falls into more than one offers, multipurpose loans, HELOCs, of the three categories, report and assumptions, see the staff the loan under just one category comments to Regulation C according to the following rule. If § 203.4(a)(7). the loan is a home purchase For submissions in automated form, loan, report it as such even if it your reporting program should add is also a home improvement loan leading zeros to the loan amount to and/or refinancing; if the loan is fill out the column (for example, for a not a home purchase loan but is loan amount of $95,000, enter a home improvement loan and a 00095). Leading zeros are not refinancing, report it as a home required for submissions in paper improvement loan. See staff form. comments 203.2(g)-5, .2(h)-7, „ Request for preapproval. If the loan and .4(a)(3)-2. applied for or originated is a home purchase loan, indicate whether the application or loan was initiated by a request for preapproval. If your insti­ „ Occupancy. For a one-to-four-family tution does not have a covered pre- dwelling, including a manufactured approval program, enter the code for home, indicate whether the property “not applicable.” Those instructions to which the loan or application are reflected in Appendix A, I.A.8. To relates will be the owner’s principal determine whether your institution dwelling. For multifamily dwellings has a covered preapproval program, (housing five or more families), and consult Regulation C § 203.2(b) and for any dwellings located outside the staff comments to that provision. MSAs or in MSAs where you do not Do not report requests for prequali­ have home or branch offices, you fication. See comment 203.2(b)-2. may enter either the code for “not applicable” or the code for the Action Taken occupancy status. For more „ Type of action. Use the appropriate information, see Appendix A, I.A.6, code to categorize the entry as a and staff comment 203.4(a)(6)-1. loan origination, a purchased loan, „ Loan amount. Report the dollar or an application (including a amount granted or requested in preapproval request) that did not thousands. For example, if the result in an origination. For guidance dollar amount was $95,000, enter concerning counteroffers, conditional 95; if it was $1,500,000, enter 1500. approvals, and other circumstances, Round to the nearest thousand; see Appendix A, I.B.1., and the round $500 up to the next thousand. staff comments to Regulation C For example, if the loan was for § 203.4(a)(8). $152,500, enter 153. But if the loan was for $152,499, enter 152. Do not report loans of less than $500. If a preapproval request was denied and the borrower did not state a loan amount, enter 1. Further information

12 „ Date of action taken. Enter the Property Location settlement or closing date for origina­ „ MSA/MD number, state code, and tions. For applications (including county code. Report the five-digit preapproval requests) that did not metropolitan statistical area (MSA) result in an origination, enter the date number or, if available, the five-digit when the final action was taken (e.g., metropolitan division (MD) number; the application was denied or the file the two-digit code for the state; and was closed for incompleteness) or the three-digit code for the county. when the notice of the action was Enter those codes for any loan or sent to the applicant. For an applica­ loan application on property located tion that was expressly withdrawn by in an MSA where you have a home or the applicant, you may enter either branch office. See page 5 for the date shown on the applicant’s guidance on the meaning of “branch letter or the date that you received office.” If the property is located the letter or notice. For guidance outside the MSAs where you have a concerning applications that are home or branch office (or outside any approved but not accepted, see staff MSA) and you are not required to comment 203.4(a)(8)-5. For loans that report data under the Community you originate, see comment Reinvestment Act (CRA), you may 203.4(a)(8)-6 for further guidance. enter the applicable codes or you For loans that your institution pur­ may enter “NA” in every column. chases, enter the date of the pur­ See page 15 for guidance on CRA chase. For more information, see reporting requirements. You may also Appendix A, I.B.2. enter “NA” for every geography field (including census tract) if a preap­ proval request was denied, or approved but not accepted by the applicant.

Action Taken Property Location

Loan Ethnic amount Five- Two- Three- in Pre­ Digit Digit Digit Six-Digit thou­ ap­ Date MSA/MD State County Census A sands proval Type (mm/dd/ccyy) Number Code Code Tract

65 1 1 02/22/2007 47894 51 059 4219. 85 2

125 1 7 06/20/2007 NA NA NA NA . 2

50 1 3 04/30/2007 11500 01 015 0021. 00 1

13 Completing MSA/MD numbers, state codes, You may enter “NA” for the census tract the LAR and county codes can be found in number if the property is located in a Step by Step Appendix F. Codes are subject to county with a population of 30,000 or change; updates will be posted on less as of the 2000 census, even if the www.ffiec.gov/hmda as needed. population later exceeded 30,000 (but you must enter the MSA number, state In the case of a nondepository insti­ code, and county code). As of the 2000 tution, geographic data are also census, every area of the country is in a required for properties in any MSAs census tract. Accordingly, Block Num­ in which you originated, purchased, bering Areas (BNAs) no longer exist. or received applications for five or more home purchase or home For more instructions on reporting geo­ improvement loans in the preceding graphic information, see Appendix A, I.C calendar year—whether or not your and the staff comments to Regulation C institution had a physical office there. § 203.4(a)(9). See page 5. Therefore, a nondepos­ itory institution might enter geo­ Information about how to obtain reliable graphic data routinely for any geographic information can be found in property in an MSA. the chapter, Sources of Geographic All covered institutions must report Information (Geocoding Tools). geographic data not just for loan applications and originations, but also for loans they purchase, even if Some institutions rely on the loan originator did not collect the appraisers to identify the census geographic information. tract numbers. Others arrange „ Census tract number. Use only the for data processors to “geocode” numbers assigned in the 2000 census. loans. Whatever method you Numbers from a different year are not choose to follow, the ultimate acceptable, as the FFIEC will use 2000 responsibility for the accuracy of demographic data in preparing tables the data—and for ensuring that of the data submitted by reporting 2000 census tract numbers are institutions. used—rests with your institution. Record each census tract number, An incorrect entry for a particular showing any decimal points precisely census tract number is a viola­ as shown on Census Bureau docu­ tion unless your institution main­ ments. Add leading and trailing zeros tains reasonable procedures to to fill out the column, even though the avoid such errors—for example, number is not shown with leading or by conducting periodic checks trailing zeros on the Census docu­ of the tract numbers obtained ments. For example, report census from your data processor, if you tract 8.02 as 0008.02, not 802, 0802, use one. or 8; and report census tract 1012 as 1012.00.

14 Institutions subject to CRA reporting Applicant Information rules. Under the Community Reinvest­ „ Ethnicity, race, and sex of the ment Act (CRA) regulations, banks and applicant. Report ethnicity, race, and savings associations not defined by sex both for loans that you originate those regulations as “small” must report and for loan applications that do not the property location in all cases, even result in an origination. At your option, for properties located outside those you may report those data for loans MSAs in which they have a physical that you purchase. Report the data home or branch office (or outside of any for the applicant and for the co­ MSA). The only exception to this rule is applicant, if there is one. If there is no for property in a county with a population co-applicant, use the numerical code of 30,000 or less in the 2000 census. In for “no co-applicant” in the “co­ that case, the bank or savings institution applicant” column. For more informa­ may enter either “NA” or the census tract tion, see Appendix A, I.D., Appendix number, at its option. See Appendix A, B, and the staff comments to Regula­ I.C.3 and 6. tion C § 203.4(a)(10). „ Income of the applicant. If an Example: A bank subject to CRA with application relates to a one-to-four­ assets of $3 billion receives an applica­ family dwelling, enter the total gross tion for a loan on property located in a annual income your institution relied rural, non-MSA area. The bank must on in making the credit decision. For enter the property location as follows: for example, if your institution relied on MSA, NA; for state, the correct state an applicant’s salary to compute a code; for county, the correct county debt-to-income ratio, and also relied code; and for census tract, the correct on the applicant’s annual bonus to census tract number (unless the county evaluate creditworthiness, report the has a population of 30,000 or less, in salary and the bonus. Report the which case “NA” may be entered in the amount in thousands, rounded to the census tract field). nearest thousand ($500 should be rounded up to the next thousand).

Applicant Information A = Applicant CA = Co-Applicant

Gross Ethnicity Race Sex Annual Income Type of Six-Digit in Pur- Census A CA A CA A CA thou- chaser Tract sands of Loan

4 219. 85 2 5 3 5 8 1 5 24 7

N A . 2 2 3 2 1 2 40 0

0 021. 00 1 1 5 3 2 1 30 0

15 Completing Enter “NA” if Reasons for Denial the LAR — your institution does not take the „ Recording reasons for denial is Step by Step applicant’s income into account, optional, except for institutions — the loan or application is for a supervised by the OTS or OCC, multifamily dwelling, which are required by those agen­ cies’ regulations to record denial — the transaction is a loan pur­ reasons. You may provide as many chase and you choose not to as three reasons why a loan appli­ collect the information, or cation was not approved. If your — the transaction is a loan to, or institution uses the model checklist application from, an employee of provided by Regulation B to give your institution and you seek to reasons for credit denials, consult protect the employee’s privacy, Appendix A, I.F, for guidance on even though you relied on his or which reasons correspond to the her income, or codes used in Regulation C. Leave — the borrower or applicant is a this column blank if the “action corporation, partnership, or other taken” on the application is not a entity that is not a natural person. denial. For example, do not com­ plete this column if the application For more information, see Appendix A, was withdrawn or the file was closed I.D, and the staff comments to Regula­ for incompleteness. tion C § 203.4(a)(10). Loan Price and Lien Status Sale of the Loan „ Rate spread. For a home purchase „ Type of purchaser. If you sell a loan, a refinancing, or a dwelling- loan in the same calendar year in secured home improvement loan which it was originated or pur­ that you originated, report the chased, you must identify the type spread (difference) between the of purchaser to whom it was sold. If annual percentage rate (APR) and the loan is sold to more than one the applicable Treasury yield if the purchaser, use the code for the spread is equal to or greater than 3 entity purchasing the greatest inter­ percentage points for first-lien loans est. If you sell only a portion of the or 5 percentage points for subordi­ loan, retaining a majority interest, do nate-lien loans. Otherwise, report not report the sale. If you do not sell the code for “not applicable.” the loan during the same calendar For further instructions, consult year, or if the application did not Appendix A, I.G, and staff comment result in a loan origination, enter the 203.4(a)(12)-1. A calculator to aid code “0” (zero). For more informa­ you in determining what number, if tion, see Appendix A, I.E., and staff any, to report in this field can be comments 4(a)(11)-1 & -2. found at www.ffiec.gov/hmda. If you create your own calculator, you will need the Treasury yield data in the table “Treasury Securities of Comparable Maturity under Regula­ tion C,” available at the same web address.

16 „ HOEPA Status. Report whether „ Lien Status. For every originated each loan you originated or pur­ loan, report whether the loan is chased is covered by the Home secured by a first or subordinate lien Ownership and Equity Protection Act on a dwelling or is not secured by a of 1994 (HOEPA), as implemented in dwelling. For every application that Regulation Z (12 CFR § 226.32). For does not result in an origination, further guidance, see Appendix A, report whether the loan would be I.G.3. Coverage under HOEPA, secured by a first or subordinate lien which requires special disclosures on a dwelling or would not be and regulates the terms of covered secured by a dwelling. Instructions loans, is determined by comparing a can be found in Appendix A, I.H. Lien loan’s APR and its points and fees to status is to be determined by refer­ triggers specified in the regulation. ence to the best information readily See 12 CFR § 226.32(a) and (b). available to the lender at the time of final action and to the lender’s own procedures. For further guidance, see staff comment 203.4(a)(14)-1.

Applicant Information A = Applicant CA = Co-Applicant Other Data

Gross Race Sex Annual Income Type of Reasons in Pur­ for A CA A CA thou­ chaser of Denial HOEPA Lien sands Loan (optional) Rate Spread Status Status

35 8 1 5 24 7 NA. 2 1

3 2 1 2 40 0 1,3 NA. 2 1

5 3 2 1 30 0 4,5 NA. 2 1

17 Sources of To report geographic data accurately, Census Tract Street Address your institution will need information Lookup Resources Geographic about MSA/MD boundaries, which are Several Internet-based products permit Information defined by the Office of Management you to look up a census tract number, and Budget. You can find MSA/MD num­ given a street address: (Geocoding bers by county in Appendix F. You can 1. The U.S. Census Bureau’s American also obtain information on current and Tools) FactFinder (AFF) application, at historical MSA/MD boundaries at http://factfinder.census.gov/. www.census.gov: select Subjects A–Z, then M, then Metropolitan and Micro­ 2. The FFIEC’s application for HMDA politan Statistical Areas, then Current and CRA reporters, at http:// lists of metropolitan and micropolitan sta­ www.ffiec.gov/geocode/default.htm. tistical areas—metropolitan statistical 3. The Census Bureau’s LandView® 5 areas and components. has a new feature that allows users to map and geocode an address to A list of all valid census tract numbers in a census tract. LandView® 5, pro­ each MSA can be produced from the duced by the Census Bureau Geogra­ Census Data CD-ROM. The CD-ROM phy Division, is an authoritative can be purchased via the FFIEC CRA/ resource for determining census tract HMDA Data Order Form (item #303) that numbers for a given address or a is located on the web (www.ffiec.gov/ specific location on the map. hmda/orderform.htm). The list will help ensure that you are using only valid cen­ Note: the U.S. Census Bureau has no sus tract numbers; however, the list is plans to produce a Census 2000 TIGER/ not a tool for “geocoding” your HMDA Census Tract Street Index®, though the data. Bureau is still producing other TIGER products. You may choose from various products available from the U.S. Census Bureau Census Tract Map Resources for determining the correct 2000 census Census 2000 Tract Outline Maps. The tract number for a given property. The Census Tract Outline Map (Census 2000) Census Bureau, however, is not able to product provides map sheets in Adobe® assist in preparing the LAR. Acrobat® PDF file format (see Figure 1). Map sheets are available from the U.S. Do not use sources with 1990 census Census Bureau Map Products Internet tract numbers. page at http://www.census.gov/geo/ www/maps/CP_MapProducts.htm. To report geographic data, you will also need one or more of the following tools: The highly detailed maps are designed „ Census Tract Street Address Lookup for a paper sheet size of 33 inches by 36 Resources; inches. In viewing the map images in PDF on the computer screen, the user „ Census Tract Outline Maps (Census can pan and zoom the image to locate 2000) along with an up-to-date local the area of interest. Printing the entire reference map; map sheet on a much smaller sheet of „ LandView® 5, a Census Bureau paper will not provide a usable image. A product with maps and a look-up user has two options for obtaining 33" x application. 36" copies:

18 „ Use a large format plotter capable of The maps show the boundaries and printing 33" x 36" sheets. The plotter numbers of the census tracts as well should have a PostScript card to as the named features underlying the ensure accurate reproduction of the boundaries. The outline maps do not colors and patterns of the original show streets, street names, or address map. Plotter specifications for an HP ranges within a census tract. Conse­ 1055cm are provided at the U.S. quently, you may need to use the out­ Census Bureau Map products line maps in combination with up-to­ Internet page (above). date local street maps. „ Purchase a 33" x 36" copy from the U.S. Census Bureau, telephone 301-763-INFO (4636). The price is $5.00 per map sheet, with a minimum order of 5 map sheets.

Figure 1: Portion of Census Tract Outline Map—New York County, NY

19 Sources of LandView® 5. LandView® 5 is a U.S. LandView® 5 also provides the capabil­ Geographic Census Bureau desktop mapping soft­ ity of displaying the FIPS state and Information ware product. (It may be ordered on a county codes, and census tract num­ (Geocoding Tools) 2 DVD-ROM national set or on a custom bers for any location that a user selects CD-ROM for a state or group of states on the map. that will fit on the CD-ROM.) It runs on Macintosh operating systems and on LandView® 5 also has an address Windows® 98, NT, Windows 2000, and finder feature that allows a user to rap­ XP. idly locate a street intersection or street address range on a map for a given ZIP LandView® 5 shows a detailed network code. Ordering information, a fully func­ of roads (containing address range infor­ tional demonstration copy of the soft­ mation where available), rivers, and rail­ ware for Prince William County, Virginia, roads along with jurisdictional and and a tutorial are available for down­ statistical boundaries (including census load at: http://landview.census.gov/ tracts). The information is based on the geo/landview/lv5/lv5.html. U.S. Census Bureau’s Census 2000 TIGER/Lines files that reflect the street To obtain the Census Bureau products network and address ranges known to described above contact: the U.S. Census Bureau as of late 1999. Besides producing custom map views that display selected user-specified map information (see Figure 2 below),

Figure 2: LandView 5 Map New York County, NY

20 Customer Services Center U.S. Census Bureau Washington, DC 20233 (301) 763-INFO (763-4636) e-mail: [email protected]

To obtain detailed information about geographic products contact:

Geography Division Geographic Products Management Branch U.S. Census Bureau Washington, DC 20233 (301) 763 -1128 e-mail: [email protected]. gov

21 Officer’s Certification and Remember that if your institution keeps Submitting Contact Information separate registers for different the LAR An officer of your institution must review branches or for different types of loans, the completed LAR and certify it is all registers must be consolidated and accurate before submitting it to your submitted to your processing agency in processing agency. Certification is a single package with one transmittal made on the transmittal sheet that will sheet. accompany the loan/application regis­ ter. A checklist to assist the officer in the review preceding certification appears in this Guide on page 24. A checklist for the person completing the LAR appears on the next page.

Verify that the transmittal sheet also includes the name, e-mail address, and telephone and facsimile numbers of a person at your institution who can answer questions about the report. Also verify that the transmittal sheet gives a record count of the total number of line entries on that particular submission. (If your institution has to resubmit data for any reason, the record count on the transmittal sheet must correspond to that submission.) A completed transmit­ tal sheet must be part of your HMDA package whether you are required to submit the loan data in automated for­ mat or are permitted to submit it in paper form.

22 Checklists for Completing and Certifying the Checklist for Person Completing the LAR LAR Regulation C requires that an officer certify the accuracy of the LAR. Before presenting the data to the certifying officer for review and signature, review the following checklist and make sure the answer to every question is “yes.” Also review the checklist provided on the next page for the certifying officer.

YES NO A. Transmittal Sheet 1. Is a completed transmittal sheet included with your LAR in the automated submis­ sion (or, if your institution has 25 or fewer LAR entries and reports data in paper form, is the transmittal sheet attached to your loan register)?...... 2. Does the transmittal sheet indicate the name and address where you want your institution’s disclosure statement to be sent? ...... 3. Are the name, telephone and facsimile numbers, and e-mail address of the contact person provided? ...... 4. Does the transmittal sheet provide your institution’s reporter and Federal tax identification numbers? ...... 5. Does the transmittal sheet provide a record count of the total number of line entries on that particular submission? (For example, if your institution has to resend data for any reason, the record count on the transmittal sheet must correspond to that sub­ mission.) ...... 6. If applicable, does the transmittal sheet contain the parent name, address, city, state, and zip code? ...... B. Loan/Application Register 1. Did you use the LAR format prescribed by the Federal Reserve Board? ...... 2. Does the register contain the consolidated loan data from the different divisions or branches of your institution, all of which must be submitted in one package? ...... 3. Has every column been properly completed (showing the data requested and the codes as applicable) leaving no column blank (except for the “Reasons for denial” column, which is optional for lenders other than those supervised by the OCC and OTS)? ...... 4. Are the Metropolitan Statistical Area (MSA) or Metropolitan Division (MD) numbers listed on the register five digits in length with no leading zeros? ...... 5. Do the census tract numbers listed on the register include zeros and decimal points? (Example: report census tract 8.02 as 0008.02, not 802, 0802, or 8.) ...... 6. Have the rate spreads listed on the register been entered to two decimal places, and do they include the decimal point and any leading or trailing zeros? ...... 7. Have you verified that no duplicate application or loan numbers appear in your institution’s register—including the entries of any divisions or branches? (Add­ ing a letter or digit in front of each identification number, for example, will help differ­ entiate among the lending activity for various offices or branches.) ...... 8. Have the dollar amounts been reported in thousands and rounded to the nearest thousand? (Example: $20,400 is 20; $1.5 million is 1500.) ...... 9. If you meet the criteria for nonautomated submissions and are choosing to submit your register in paper form, has it been typewritten or computer printed and does it show the total number of pages? ...... 10.If you are sending your HMDA submission via e-mail, is your file properly encrypted using the FFIEC data entry software encryption utility? ......

23 Checklists for Completing and Certifying the Checklist for the Certifying Officer LAR Regulation C requires that an officer certify the accuracy of the LAR. The following check­ list will help you in this review. The answer to each of questions 2–8 must be “yes.”

YES NO 1. Has your institution acquired or merged with another institution during the report­ ing year? If so, refer to pages 5–6 of this Guide...... 2. If you report more than 25 entries, has your institution’s loan/application register been prepared in an automated format, using the correct format for automated reports, and following the instructions from your supervisory agency? ...... 3. Does your LAR use the same column headings in the same order as on the LAR provided in Appendix A to this Guide? (Column headings may be abbreviated, so long as the meaning remains clear.) ...... 4. Does the register include the consolidated loan data from all of your institution’s divisions or branches (including loans and applications handled by your commer­ cial loan division, if applicable)? ...... 5. Does the register exclude loan data from any subsidiaries of your institution (which must report separately)? ...... 6. Does the register list the MSA or MD number, state and county codes, and 2000 census tract numbers for all entries for properties located in MSAs or MDs where you have a home or a branch office? ...... 7. Are all the census tract numbers on the register from the 2000 census tract series? ...... 8. If your institution is required under Community Reinvestment Act regulations to report property location outside MSAs or MDs where you have offices, have these data been entered? ......

24 Submitting the Editing the Data Internet e-mail of an encrypted file LAR Before submission, the data must be (hmdaencr.enc) is the encouraged checked using edits supplied by the method of transmission for respondents FFIEC. The edits are included in the supervised by the FRS, FDIC, NCUA, agency-supplied data entry software, OCC, OTS, or HUD. You must first install and are also available at www.ffiec.gov/ the Internet Submission software that is hmda/edits.htm. You may use equiva­ included on the free FFIEC HMDA data lent edits incorporated in software you entry software provided by the agen­ have purchased from vendors or have cies. When you are ready to export your developed in-house. data, select the “Export to Regulatory Agency via Internet E-mail” option in the Visit the HMDA web site data entry software and complete the (www. ffiec.gov/hmda), e-mail steps as directed. Then, complete the [email protected] or call the HMDA instructions to prepare your HMDA sub­ assistance line at (202) 452-2016 for mission for transmission over the Inter­ more information about the edits. net (see “Preparing the Submission for Internet E-mail Transmission” found in Transmitting the Data the FFIEC HMDA data entry software). A separate and complete LAR shall The Internet e-mail addresses can be be transmitted for each institution. For found in the Glossary of the data entry example, submit one LAR for a bank and software and at www.ffiec.gov/hmda/ a separate LAR for a subsidiary of the contact.htm. (Use of any other export bank (see Regulation C, 203.5(a)(2)). option or Internet Submission product will result in the creation of a submission Institutions that report 25 or fewer entries that is NOT acceptable.) Detailed in­ on their LAR may report the data in structions for Internet e-mail submission paper form. All others must submit and file encryption of the HMDA data HMDA reports in an automated, are included with the file formats on the machine-readable form. To facilitate web (www.ffiec.gov/hmda/ automated reporting, the agencies pro­ fileformats.htm). vide HMDA data entry software that can be downloaded free of charge from the The other acceptable methods of auto­ FFIEC web site (www.ffiec.gov/hmda/ mated transmission are diskette and softinfo.htm). CD-ROM pursuant to the applicable technical specifications. The technical specifications for respondents regulated by FRS, FDIC, NCUA, OCC, OTS, or HUD can be found on the FFIEC web site (www.ffiec.gov/hmda/ fileformats.htm).

25 Submitting the Resubmitting the Data If you choose the Internet e-mail option LAR An institution is expected to submit valid to transmit your data, send a complete and accurate HMDA data that have resubmission to [email protected]. If been checked using edits approved for you choose the diskette or CD-ROM the particular calendar year. If an institu­ option, mail (preferably overnight) the tion is to resubmit its data, it should file to: send a complete resubmission; it should not send partial resubmissions. Federal Reserve Board Attention: HMDA Processing, If you are resubmitting, then, after you (Enter Agency OCC, FRS, FDIC, OTS, correct your data, follow the same steps NCUA or HUD) you would in creating your initial sub­ 20th and Constitution Avenue MS N502 mission (batch edit, export data, trans­ Washington, DC 20551-0001 mit data, receive edit report and sign off on the confirmation sheet).

Transmit the entire corrected file via Internet e-mail, CD-ROM, or diskette. (See the discussion on Internet e-mail transmissions on page 25.) Clearly mark your resubmission as a “Complete Resubmission of CCYY data.” Also include the reason for your resub-resub­ mission along with the other information asked for in the Internet e-mail, diskette, or CD-ROM file specifications (for example, respondent name, identifica­ tion number, agency code, processing year, contact name, phone number, LAR count being transmitted, etc.).

26 Disclosure of a Modified LAR „ by making the statement available in Disclosing Institutions must make their LAR data— at least one branch office in every the Data modified to protect privacy interests of MSA/MD other than the MSA/MD of applicants and borrowers—available to the home office, within ten business the public upon request in electronic days of receipt from the FFIEC, or or printed form. Three fields must be „ by posting an address for request­ deleted: the application or loan num­ ing copies in every branch office in ber, the date the application was an MSA/MD (other than branches in received, and the date the action was the MSA/MD of the home office) and taken. Aside from those three modifica­ responding to written requests tions, Regulation C does not permit within fifteen calendar days. deletions. Nor does Regulation C require any changes to the format or order of The institution may charge a reasonable the data before their disclosure. Never­ fee to cover costs incurred. theless, institutions are strongly encour­ aged to make the data available in The disclosure statement must remain census tract order, if possible. available to the public for five years, and an institution must post a notice A modified register must be available no about its availability in the lobby of its later than March 31 for requests made home office and each branch office on or before March 1 following the year located in an MSA/MD. See the sug­ to which the data relate, and within 30 gested text for the poster in staff com­ days for requests made after March 1. ment 203.5(e)-1. The modified register must continue to be made available to the public for three Aggregate Tables Prepared years. by the FFIEC In addition to preparing individual Disclosure Statements disclosure statements, the FFIEC will Prepared by the FFIEC combine the HMDA data submitted by Using data from each institution’s LAR, all reporting institutions and produce the FFIEC will prepare and post to aggregate tables for each MSA/MD. the Internet (www.ffiec.gov/hmda) a The FFIEC will also produce tables for series of tables that will comprise the each MSA/MD showing the lending institution’s disclosure statement. patterns according to demographic characteristics provided by the Census An institution must make the statement Bureau, such as age of housing stock. available to the public for inspection and copying at its home office in printed or The FFIEC will make available copies of electronic form within three business the individual disclosure statements, days of the disclosure statement's MSA/MD aggregate tables, and other posting to the Internet. In addition, if an HMDA data products on the FFIEC web institution has branch offices in other site, www.ffiec.gov/hmda. MSAs/MDs, it must make available an MSA/MD-specific disclosure in one of two ways:

27 Branch office. For banks and thrifts, a Home improvement loan. A home Glossary branch office is an office approved as improvement loan is (a) any dwelling- a branch by a supervisory agency. For secured loan to be used, at least in credit unions, a branch office is any part, for repairing, rehabilitating, office where member accounts are remodeling, or improving a dwelling or established or loans are made, whether the real property on which the dwelling or not the office has been approved as a is located, and (b) any loan not secured branch by a federal or state agency. A by a lien on a dwelling (i) that is to be branch office does not include offices of used, at least in part, for one or more of affiliates or loan brokers, offices of the those purposes and (ii) that is classified institution where loan applications are as a home improvement loan by the merely taken, or ATMs and other elec­ institution. tronic terminals. Home purchase loan. A home purchase For mortgage companies and other loan is any loan secured by and made nondepository institutions, a branch for the purpose of purchasing a dwell­ office is an office where the institution ing. See the definition of “dwelling.” takes applications from the public for home purchase or home improvement LAR. The term LAR refers to the loan/ loans or refinancings. Those institutions application register format that has been also are considered to have a branch prescribed for reporting HMDA data. office in any MSA where, in the preced­ Computer-generated reports must con­ ing year, they received applications for, form to the format of the LAR. originated, or purchased five or more home purchase or home improvement MD. MD stands for “metropolitan divi­ loans or refinancings (whether or not sion.” A metropolitan division is a subset they had a physical office there). of an MSA having a single core with a population of 2.5 million or more. For Census tract. A census tract is a small reporting and disclosure purposes of geographic area. Census 2000 assigned HMDA, an MD is the relevant geogra­ census tract numbers to all areas of the phy, not the MSA of which it is a U.S. and some U.S. territories and pos­ division. sessions. Census tract numbers are unique within a county. Institutions are MSA. MSA stands for “metropolitan sta­ required to use census tract numbers tistical area.” For purposes of HMDA, from the Census 2000 series. the term is interchangeable with “metro­ politan area.” The underlying concept of Dwelling. Dwelling means any residen­ an MSA is that of a core area containing tial structure, whether or not attached to a large population nucleus, together real property. It includes vacation or with adjacent communities having a high second homes and rental properties; degree of economic and social multifamily as well as one-to-four-family integration with that core. MSAs are structures; individual condominium and composed of entire counties or county cooperative units; and manufactured equivalents. Every MSA has at least and mobile homes. It excludes recre­ one urbanized area with a population of ational vehicles such as boats and 50,000 or more. campers, and transitory residences such as hotels, hospitals, and college dormitories.

28 Glossary Refinancing. A refinancing is any dwell- ing-secured loan that replaces and sat­ isfies another dwelling-secured loan to the same borrower. The purpose of the loan being refinanced is not relevant to determining whether the new loan is a refinancing for HMDA purposes. Nor is the borrower’s intended use of any addi­ tional cash borrowed relevant to deter­ mining whether the loan is a refinancing, though the borrower’s intended use of the funds could make the transaction a home improvement loan or a home pur­ chase loan. See the definitions of “home purchase loan” and “home improvement loan.” Also see the rule on multipurpose loans on page 12.

29 Paperwork Reduction Act tion form you may use that Appendix A Notice date instead. Enter “NA” for to Part 203 This report is required by law (12 U.S.C. loans purchased by your Form and Instructions 2801-2810 and 12 CFR 203). An agency institution. For paper sub- for Completion of may not conduct or sponsor, and an missions only, use numerals HMDA Loan/ organization is not required to respond in the form MM/DD/CCYY Application Register to, a collection of information unless it (for example, 01/15/2003). displays a valid Office of Management For submissions in elec- and Budget (OMB) control number. See tronic form, the proper for- 12 CFR 203.1(a) for the valid OMB con- mat is CCYYMMDD. trol numbers, applicable to this informa- tion collection. Send comments 3. Type of Loan or Application. regarding this burden estimate or any Indicate the type of loan or other aspect of this collection of informa- application by entering the tion, including suggestions for reducing applicable code from the the burden, to the respective agencies following: and to OMB, Office of Information and Regulatory Affairs, Paperwork Reduction Code 1—Conventional (any Project, Washington, DC 20503. Be sure loan other than FHA, VA, to reference the applicable agency and FSA, or RHS loans) the OMB Control Number, as found in Code 2—FHA-insured (Federal 12 CFR 203.1(a), when submitting com- Housing Administration) ments to OMB. Code 3—VA-guaranteed (Vet- erans Administration) Code 4—FSA/RHS-guaranteed I. Instructions for Completion of (Farm Service Agency or Loan/Application Register Rural Housing Service) A. Application or Loan Information. 4. Property Type. Indicate the property type by entering 1. Application or Loan Number. the applicable code from the following: a. Enter an identifying loan number that can be used Code 1—One- to four-family later to retrieve the loan or dwelling (other than manu- application file. It can be any factured housing) number of your institution’s Code 2—Manufactured choosing (not exceeding 25 housing characters). You may use let- Code 3—Multifamily dwelling ters, numerals, or a combina- tion of both. a. Use Code 1, not Code 3, for loans on individual condo- 2. Date Application Received. minium or cooperative units.

a. Enter the date the loan b. If you cannot determine application was received by (despite reasonable efforts your institution by month, to find out) whether the loan day, and year. If your institu- or application relates to a tion normally records the manufactured home, use date shown on the applica- Code 1.

A-1 Appendix A 5. Purpose of Loan or Applica­ located in a metropolitan to Part 203 tion. Indicate the purpose of area; or is located in a met- Form and the loan or application by ropolitan area in which your Instructions for entering the applicable code institution has neither a Completion of HMDA from the following: home nor a branch office. Loan/Application Alternatively, at your institu- Register Code 1—Home purchase tion’s option, you may report Code 2—Home improvement the actual occupancy status, Code 3—Refinancing using Code 1 or 2 as applicable. a. Do not report a refinancing if, under the loan agree- 7. Loan Amount. Enter the ment, you were uncondition- amount of the loan or applica- ally obligated to refinance tion. Do not report loans below the obligation, or you were $500. Show the amount in thou- obligated to refinance the sands, rounding to the nearest obligation subject to condi- thousand (round $500 up to the tions within the borrower’s next $1,000). For example, a control. loan for $167,300 should be entered as 167 and one for 6. Owner Occupancy. Indicate $15,500 as 16. whether the property to which the loan or loan application a. For a home purchase loan relates is to be owner- that you originated, enter the occupied as a principal resi- principal amount of the loan. dence by entering the appli- cable code from the following: b. For a home purchase loan that you purchased, enter Code 1—Owner-occupied as a the unpaid principal balance principal dwelling of the loan at the time of Code 2—Not owner-occupied purchase. as a principal dwelling Code 3—Not applicable c. For a home improvement loan, enter the entire amount a. For purchased loans, use of the loan—including Code 1 unless the loan unpaid finance charges if documents or application that is how such loans are indicate that the property recorded on your books— will not be owner-occupied even if only a part of the pro- as a principal residence. ceeds is intended for home improvement. b. Use Code 2 for second homes or vacation homes, d. If you opt to report home- as well as for rental equity lines of credit, report properties. only the portion of the line intended for home improve- c. Use Code 3 if the property ment or home purchase. to which the loan relates is a multifamily dwelling; is not e. For refinancings, indicate

A-2 the total amount of the refi- Code 3—Application denied nancing, including both the Code 4—Application amount outstanding on the withdrawn original loan and any amount Code 5—File closed for of “new money.” incompleteness Code 6—Loan purchased by f. For a loan application that your institution was denied or withdrawn, Code 7—Preapproval request enter the amount applied for. denied Code 8—Preapproval request 8. Request for Preapproval. Indi- approved but not accepted cate whether the application or (optional reporting) loan involved a request for a preapproval of a home pur- a. Use Code 1 for a loan that is chase loan by entering the originated, including one applicable code from the resulting from a request for following: preapproval.

Code 1—Preapproval b. For a counteroffer (your offer requested to the applicant to make the Code 2—Preapproval not loan on different terms or in requested a different amount from the Code 3—Not applicable terms or amount applied for), use Code 1 if the appli- a. Enter Code 2 if your institu- cant accepts. Use Code 3 if tion has a covered preap- the applicant turns down the proval program but the counteroffer or does not applicant does not request a respond. preapproval. c. Use Code 2 when the appli- b. Enter Code 3 if your institu- cation is approved but the tion does not have a preap- applicant (or the loan broker proval program as defined in or correspondent) fails to section 203.2(b). respond to your notification of approval or your commit- c. Enter Code 3 for applica- ment letter within the speci- tions or loans for home fied time. Do not use this improvement or refinancing, code for a preapproval and for purchased loans. request.

B. Action Taken. d. Use Code 4 only when the application is expressly 1. Type of Action. Indicate the withdrawn by the applicant type of action taken on the before a credit decision is application or loan by using made. Do not use Code 4 if one of the following codes. a request for preapproval is withdrawn; preapproval Code 1—Loan originated requests that are withdrawn Code 2—Application approved are not reported under but not accepted HMDA.

A-3 Appendix A e. Use Code 5 if you sent a shown on the notification to Part 203 written notice of incomplete- from the applicant, in Form and ness under section the case of a written Instructions for 202.9(c)(2) of Regulation B withdrawal. Completion of HMDA (Equal Credit Opportunity) Loan/Application and the applicant did not e. For preapprovals that lead Register respond to your request for to a loan origination, enter additional information within the date of the origination. the period of time specified in your notice. Do not use C. Property Location. Except as this code for requests for otherwise provided, enter in these preapproval that are columns the applicable codes for incomplete; these the metropolitan area, state, preapproval requests county, and census tract to indi- are not reported under cate the location of the property HMDA. to which a loan relates.

2. Date of Action. For paper sub- 1. Metropolitan Area. For each missions only, enter the date loan or loan application, enter by month, day, and year, using the metropolitan area number. numerals in the form MM/DD/ Metropolitan area boundaries CCYY (for example, 02/22 are defined by OMB; use the 2003). For submissions in elec- boundaries that were in effect tronic form, the proper format on January 1 of the calendar is CCYYMMDD. year for which you are report- ing. A listing of metropolitan a. For loans originated, enter areas is available from your the settlement or closing supervisory agency or the date. FFIEC.

b. For loans purchased, enter 2. State and County. Use the the date of purchase by Federal Information Processing your institution. Standard (FIPS) two-digit numerical code for the state c. For applications and preap- and the three-digit numerical provals denied, applications code for the county. These and preapprovals approved codes are available from your but not accepted by the supervisory agency or the applicant, and files closed FFIEC. for incompleteness, enter the date that the action was 3. Census Tract. Indicate the taken by your institution or census tract where the prop- the date the notice was sent erty is located. Notwithstand- to the applicant. ing paragraph 6, if the property is located in a county with a d. For applications withdrawn, population of 30,000 or less in enter the date you received the 2000 census (as deter- the applicant’s express with- mined by the Census Bureau’s drawal, or enter the date 2000 CPH-2 population

A-4 series)[1], enter “NA”(even if the (Codes exist for all states and population has increased counties and numbers exist for above 30,000 since 2000), or all census tracts.) Under this enter the census tract number. first option, the codes and cen- sus tract number must accu- 4. Census Tract Number. For the rately identify the property census tract number, consult location. Under the second the U.S. Census Bureau’s Cen- option, which is not available if sus Tract/Street Index for 2000; paragraph 6 applies, an institu- for addresses not listed in the tion may enter “NA” in all four index, consult the Census columns, whether or not the Bureau’s census tract outline codes or numbers exist for the maps. Use the maps from the property location. Census Bureau’s 2000 CPH-3 series, or equivalent 2000 cen- 6. Data Reporting for Banks and sus data from the Census Savings Associations Re­ Bureau (such as the Census quired to Report Data on TIGER/Line file) or from a pri- Small Business, Small Farm, vate publisher.[2] and Community Development Lending Under the CRA 5. Property Located Outside Regulations. If your institution Metropolitan Area. For loans is a bank or savings associa- on property located outside the tion that is required to report metropolitan areas in which an data under the regulations that institution has a home or implement the CRA, you must branch office, or for property enter the property location on located outside of any metro- your HMDA/LAR even if the politan area, the institution may property is outside metropoli- choose one of the following two tan areas in which you have a options. Under option one, the home or branch office, or is not institution may enter the metro- located in any metropolitan politan area, state and county area. codes and the census tract number; and if the property is 7. Requests for Preapproval. not located in any metropolitan Notwithstanding paragraphs 1 area, it may enter “NA” in the through 6, if the application is metropolitan area column. a request for preapproval that is denied or that is approved 1. There is no Census Bureau data series by the but not accepted by the appli- name “CPH-2.” County population data can be cant, you may enter “NA” in all found in Table 1 of PCH-1 Summary Population and Housing Characteristics (available at http:/ four columns. /www.census.gov/) and other Census Bureau products. D. Applicant Information— Ethnicity, Race, Sex, and 2. There are no Census Bureau products by the name “Census Tract/Street Index for 2000” or Income. Appendix B contains “2000 CPH-3.” The Census Bureau’s American instructions for the collection of FactFinder has a street address lookup data on ethnicity, race, and sex, resource. See page 18 of this Guide. For a description of tract outline maps available from and also contains a sample form the Census Bureau, see pages 19–20. for data collection.

A-5 Appendix A 1. Applicability. Report this infor- of the applicant or borrower un- to Part 203 mation for loans that you origi- der column “A” and of any co- Form and nate as well as for applica- applicant or co-borrower under Instructions for tions that do not result in an column “CA”. Completion of HMDA origination. Loan/Application Code 1—Hispanic or Latino Register a. You need not collect or Code 2—Not Hispanic or Latino report this information for Code 3—Information not pro- loans purchased. If you vided by applicant in mail, choose not to, use the Internet, or telephone codes for “not applicable.” application Code 4—Not applicable b. If the borrower or applicant Code 5—No co-applicant is not a natural person (a corporation or partnership, 4. Race of Borrower or Appli­ for example), use the codes cant. Use the following codes for “not applicable.” to indicate the race of the applicant or borrower under 2. Mail, Internet, or Telephone column “A” and of any co- Applications. All loan applica- applicant or co-borrower under tions, including applications column “CA”. taken by mail, Internet, or tele- phone must use a collection Code 1—American Indian or form similar to that shown in Alaska Native Appendix B regarding Code 2—Asian ethnicity, race, and sex. For Code 3—Black or African applications taken by tele- American phone, the information in the Code 4—Native Hawaiian or collection form must be stated Other Pacific Islander orally by the lender, except for Code 5—White information that pertains Code 6—Information not pro- uniquely to applications taken vided by applicant in mail, in writing. If the applicant does Internet, or telephone not provide these data in an application application taken by mail or Code 7—Not applicable telephone or on the Internet, Code 8—No co-applicant enter the code for “information not provided by applicant in a. If an applicant selects more mail, Internet, or telephone than one racial designation, application” specified in para- enter all codes correspond- graphs I.D.3., 4., and 5. (See ing to the applicant’s Appendix B for complete infor- selections. mation on the collection of these data in mail, Internet, or b. Use Code 4 (for ethnicity) telephone applications.) and Code 7 (for race) for “not applicable” only when 3. Ethnicity of Borrower or the applicant or co-applicant Applicant. Use the following is not a natural person or codes to indicate the ethnicity when applicant or co-

A-6 applicant information is co-applicants or co-borrowers, unavailable because the use Code 5 for “no co- loan has been purchased by applicant” in the co-applicant your institution. column.

c. If there is more than one 6. Income. Enter the gross annual co-applicant, provide the income that your institution required information only for relied on in making the credit the first co-applicant listed decision. on the application form. If there are no co-applicants a. Round all dollar amounts to or co-borrowers, use Code the nearest thousand (round 5 (for ethnicity) and Code $500 up to the next $1,000), 8 (for race) for “no co- and show in thousands. For applicant” in the co- example, report $35,500 as applicant column. 36.

5. Sex of Borrower or Applicant. b. For loans on multifamily Use the following codes to dwellings, enter “NA.” indicate the sex of the appli- cant or borrower under column c. If no income information is “A” and of any co-applicant or asked for or relied on in the co-borrower under column credit decision, enter “NA.” “CA”. d. If the applicant or co- Code 1—Male applicant is not a natural Code 2—Female person or the applicant or Code 3—Information not pro- co-applicant information is vided by applicant in mail, unavailable because the Internet, or telephone loan has been purchased by application your institution, enter “NA.” Code 4—Not applicable Code 5—No co-applicant or E. Type of Purchaser. Enter the co-borrower applicable code to indicate whether a loan that your institution a. Use Code 4 for “not appli- originated or purchased was then cable” only when the applicant sold to a secondary market entity or co-applicant is not a natural within the same calendar year: person or when applicant or co-applicant information is Code 0—Loan was not origi- unavailable because the loan nated or was not sold in cal- has been purchased by your endar year covered by institution. register Code 1—Fannie Mae b. If there is more than one co- Code 2—Ginnie Mae applicant, provide the required Code 3—Freddie Mac information only for the first Code 4—Farmer Mac co-applicant listed on the Code 5—Private securitization application form. If there are no Code 6—Commercial bank,

A-7 Appendix A savings bank or savings Code 1—Debt-to-income ratio to Part 203 association Code 2—Employment history Form and Code 7—Life insurance com- Code 3—Credit history Instructions for pany, credit union, mort- Code 4—Collateral Completion of HMDA gage bank, or finance Code 5—Insufficient cash Loan/Application company (downpayment, closing Register Code 8—Affiliate institution costs) Code 9—Other type of Code 6—Unverifiable purchaser information Code 7—Credit application a. Use Code 0 for applications incomplete that were denied, withdrawn, Code 8—Mortgage insurance or approved but not denied accepted by the applicant; Code 9—Other and for files closed for incompleteness. 2. If your institution uses the model form for adverse action b. Use Code 0 if you originated contained in the Appendix to or purchased a loan and did Regulation B (Form C-1 in not sell it during that same Appendix C, Sample Notifica- calendar year. If you sell the tion Form), use the foregoing loan in a succeeding year, codes as follows: you need not report the sale. a. Code 1 for: Income insuffi- c. Use Code 2 if you condition- cient for amount of credit ally assign a loan to Ginnie requested, and Excessive Mae in connection with a obligations in relation to mortgage-backed security income. transaction. b. Code 2 for: Temporary or d. Use Code 8 for loans sold to irregular employment, and an institution affiliated with Length of employment. you, such as your subsidiary or a subsidiary of your par- c. Code 3 for: Insufficient num- ent corporation. ber of credit references pro- vided; Unacceptable type of F. Reasons for Denial. credit references provided; No credit file; Limited credit 1. You may report the reason for experience; Poor credit denial, and you may indicate performance with us; Delin- up to three reasons, using the quent past or present credit following codes. Leave this obligations with others; Gar- column blank if the “action nishment, attachment, fore- taken” on the application is not closure, repossession, a denial. For example, do not collection action, or judg- complete this column if the ment; and Bankruptcy. application was withdrawn or the file was closed for d. Code 4 for: Value or type of incompleteness. collateral not sufficient.

A-8 e. Code 6 for: Unable to verify example, if the rate is set on credit references; Unable to September 17, 2004, use verify employment; Unable the Treasury yield as of Sep- to verify income; and Unable tember 15, 2004; if the inter- to verify residence. est rate is set on September 3, 2004, use the Treasury f. Code 7 for: Credit applica- yield as of August 15, 2004). tion incomplete. To determine the applicable Treasury security yield, the g. Code 9 for: Length of resi- financial institution must use dence; Temporary resi- the table published on the dence; and Other reasons FFIEC’s web site (http:// specified on notice. www.ffiec.gov/hmda) entitled “Treasury Securities G. Pricing-Related Data. of Comparable Maturity under Regulation C.” 1. Rate Spread. b. If the loan is not subject to a. For a home purchase loan, a Regulation Z, or is a home refinancing, or a dwelling- improvement loan that is not secured home improvement dwelling-secured, or is a loan that you originated, loan that you purchased, report the spread between enter “NA.” the annual percentage rate (APR) and the applicable c. Enter “NA” in the case of an Treasury yield if the spread application that does not is equal to or greater than 3 result in a loan origination. percentage points for first- lien loans or 5 percentage d. Enter the rate spread to two points for subordinate-lien decimal places, and use a loans. To determine whether leading zero. For example, the rate spread meets this enter 03.29. If the difference threshold, use the Treasury between the APR and the yield for securities of a com- Treasury yield is a figure parable period of maturity with more than two decimal as of the 15th day of a given places, round the figure or month, depending on when truncate the digits beyond the interest rate was set, two decimal places. and use the APR for the loan, as calculated and dis- e. If the difference between the closed to the consumer APR and the Treasury yield under section 226.6 or is less than 3 percentage 226.18 of Regulation Z (12 points for a first-lien loan CFR part 226). Use the 15th and less than 5 percentage day of a given month for any points for a subordinate-lien loan on which the interest loan, enter “NA.” rate was set on or after that 15th day through the 14th 2. Date the Interest Rate was day of the next month. (For Set. The relevant date to use to

A-9 Appendix A determine the Treasury yield is H. Lien Status. to Part 203 the date on which the loan’s Form and interest rate was set by the Use the following codes for loans Instructions for financial institution for the final that you originate and for appli- Completion of HMDA time before closing. If an inter- cations that do not result in an Loan/Application est rate is set pursuant to a origination: Register “lock-in” agreement between the lender and the borrower, Code 1—Secured by a first then the date on which the lien. agreement fixes the interest Code 2—Secured by a subor- rate is the date the rate was dinate lien. set. If a rate is re-set after a Code 3—Not secured by a lock-in agreement is executed lien. (for example, because the bor- Code 4—Not applicable (pur- rower exercises a float-down chased loan). option or the agreement expires), then the relevant a. Use Codes 1 through 3 date is the date the rate is for loans that you originate, re-set for the final time before as well as for applications closing. If no lock-in agreement that do not result in an is executed, then the relevant origination (applications date is the date on which the that are approved but not institution sets the rate for the accepted, denied, with- final time before closing. drawn, or closed for incompleteness). 3. HOEPA Status. b. Use Code 4 for loans that a. For a loan that you origi- you purchase. nated or purchased that is * For current instructions subject to the Home Owner- II. Federal Supervisory Agencies* on submission of data, ship and Equity Protection see page G-1 of this Guide or the FFIEC HMDA web site Act of 1994 (HOEPA), as A. You are strongly encouraged to (www.ffiec.gov/hmda). implemented in Regulation Z submit your loan/application reg- (12 CFR 226.32), because ister via Internet e-mail. If you the APR or the points and elect to use this method of trans- fees on the loan exceed the mission and your institution is HOEPA triggers, enter regulated by the Office of the Code 1. Comptroller of the Currency, the Federal Deposit Insurance Cor- b. Enter Code 2 in all other poration, the National Credit cases. For example, enter Union Administration, or the Code 2 for a loan that you Office of Thrift Supervision, then originated or purchased that you should submit your institu- is not subject to the require- tion’s files to the Internet e-mail ments of HOEPA for any rea- address dedicated to that pur- son; also enter Code 2 in the pose by the Federal Reserve case of an application that Board, which can be found on does not result in a loan the web site of the FFIEC. If your origination. institution is regulated by one of

A-10 the foregoing agencies and you B. If your institution is regulated by elect to submit your data by regu- the Federal Reserve System, you lar mail, then use the following ad- should use the Internet e-mail or dress: regular mail address of your Dis- trict bank indicated on the web HMDA site of the FFIEC. If your institution Federal Reserve Board is regulated by the Department of Attention: HMDA Processing, Housing and Urban Development, (insert name of your institution’s then you should use the Internet regulatory agency) e-mail or regular mail address in- 20th & Constitution Ave, NW dicated on the web site of the MS N502 FFIEC. Washington, DC 20551-0001

A-11 Appendix A

Form FR HMDA-LAR to Part 203 OMB No. 1557-0159 (OCC), 3064-0046 (FDIC), 1550-0021 (OTS), 7100-0247 (FRB), and Form and 2502-0539 (HUD); 3133-0166 (NCUA) Instructions for LOAN/APPLICATION REGISTER Completion of HMDA TRANSMITTAL SHEET You must complete this transmittal sheet (please type or print) and attach it to the Loan/Application Loan/Application Register, required by the Home Mortgage Disclosure Act, that you submit to your supervisory agency. Register

Agency Total line entries contained in Reporter’s Identification Number Code Reporter’s Tax Identification Number attached Loan/Application Register – –

The Loan/Application Register that is attached covers activity during the year and contains a total of pages.

Enter the name and address of your institution. The disclosure statement that is produced by the Federal Financial Institutions Examination Council will be mailed to the address you supply below:

Name of Institution

Address

City, State, ZIP

Enter the name and address of any parent company:

Name of Institution

Address

City, State, ZIP

Enter the name, telephone number, facsimile number, and e-mail address of a person who may be contacted about questions regarding your register:

( ) ( ) Name Telephone Number Facsimile Number (if applicable) e-mail address

An officer of your institution must complete the following section.

I certify to the accuracy of the data contained in this register.

Name of Officer Signature Date

A-12 this sample. You shoulduse MSA/MD number. use ofafive-digit sample specifies MSA number;this use ofafour-digit 2003 specifies Board inJune adopted bythe The sample

LOAN/APPLICATION REGISTER Page of Form FR HMDA–LAR Agency Reporter's Identification Number Code Name of Reporting Institution City, State, ZIP All columns (except Reasons for Denial) must be completed for each entry. See the instructions for details.

Application or Applicant Information Loan Information Action Taken Property Location A = Applicant CA = Co-Applicant Other Data

Gross Loan Ethnicity Race Sex Annual Date Amount Five- Two- Three- Income Type of Reasons Application Prop- Owner in Pre- Digit Digit Digit Six-Digit in Pur- for Application or Received Loan erty Pur- Occu- Thou- ap- Date MSA/MD State County Census ACA A CA A CA thou- chaser Denial HOEPA Lien Loan Number (mm/dd/ccyy) Type Type pose pancy sands proval Type (mm/dd/ccyy) Number Code Code Tract sands of Loan (optional) Rate Spread Status Status Example of Loan Originated Following Preapproval LB-687439 01/15/2007 1 1 1 1 65 1 1 02/22/2007 47894 51 059 4219. 85 2535 8 15 24 7 NA. 2 1 Example of Preapproval Request Denied 5678904321-1234098765 06/01/2007 1 1 1 1 125 1 7 06/20/2007 NA NA NA N A . 2 2 3 2 1 2 40 0 1,3 NA. 2 1 Example of Application Denied Following Preapproval 0123456789-9876543210 03/20/2007 1 1 1 1 50 1 3 04/30/2007 11500 01 015 0021. 00 115 3 21 30 0 4,5 NA. 2 1 ...... A-13 Appendix A to Part 203 Form and Instructions for Completion of HMDA Loan/Application Register association mortgage bank, or finance company 1— Debt-to-income ratio 1— Employment history 2— Credit history 3— Collateral 4— 5—Insufficient cash (downpayment, closing costs) Unverifiable information 6— Credit application incomplete 7— Mortgage insurance denied 8— Other 9— 1— Fannie Mae 1— Ginnie Mae 2— Freddie Mac 3— Farmer Mac 4— Private securitization 5— Commercial bank, savings bank or 6— Life insurance company, credit union, 7— Affiliate institution 8— Other type of purchaser 9— 1— HOEPA loan 1— Not a HOEPA loan 2— Secured by a first lien 1— Secured by a subordinate lien 2— Not secured by a lien 3— Not applicable (purchased loans) 4— Reasons for Denial (optional reporting) Other Data HOEPA Status (only for loans originated or purchased): Lien Status (only for applications and originations): sold in calendar year covered by register financial institution accepted (optional reporting) Internet, or telephone application in mail, Internet, or telephone application in mail, Internet, or telephone application 7—Preapproval request denied by 8—Preapproval request approved but not Loan was not originated or 0— 1—Hispanic or Latino 2—Not Hispanic or Latino 3—Information not provided by applicant in mail, 4—Not applicable (see App. A, I.D) 5—No co-applicant 1—American Indian or Alaska Native 2—Asian 3—Black or African American 4—Native Hawaiian or Other Pacific Islander 5—White 6—Information not provided by applicant 7—Not applicable (see App. A, I.D.) 8—No co-applicant 1—Male 2—Female 3—Information not provided by applicant 4—Not applicable (see App. A, I.D.) 5—No co-applicant Applicant Information Ethnicity: Race: Sex: Type of Purchaser VA, FSA, or RHS loans) Administration) Housing Service) housing) 1—Conventional (any loan other than FHA, 2—FHA-insured (Federal Housing 3—VA-guaranteed (Veterans Administration) 4—FSA/RHS (Farm Service Agency or Rural 1—One to four-family (other than manufactured 2—Manufactured housing 3—Multifamily 1—Home purchase 2—Home improvement 3—Refinancing 1—Owner-occupied as a principal dwelling 2—Not owner-occupied 3—Not applicable 1—Preapproval was requested 2—Preapproval was not requested 3—Not applicable 1—Loan originated 2—Application approved but not accepted 3—Application denied by financial institution 4—Application withdrawn by applicant 5—File closed for incompleteness 6—Loan purchased by financial institution LOAN/APPLICATION REGISTER LOAN/APPLICATION CODE SHEET Use the following codes to complete Loan/Application Register. The instructions HMDA-LAR explain proper use of each code. Application or Loan Information Loan Type: Property Type: Purpose of Loan: Owner-Occupancy: Preapproval (home purchase loans only): Action Taken:

A-14 I. Instructions on Collection of these bases. Inform the applicant Appendix B Data on Ethnicity, Race, and that if the information is not pro- to Part 203 Sex vided where the application is Form and Instructions taken in person, you are required for Data Collection on You may list questions regarding the to note the data on the basis of Ethnicity, Race, and ethnicity, race, and sex of the applicant visual observation or surname. Sex on your loan application form, or on a separate form that refers to the applica- C. You must offer the applicant the tion. (See the sample form below for option of selecting one or more model language.) racial designations.

II. Procedures D. If the applicant chooses not to provide the information for an A. You must ask the applicant for application taken in person, note this information (but you cannot this fact on the form and then require the applicant to provide it) note the applicant’s ethnicity, whether the application is taken race, and sex on the basis of in person, by mail or telephone, visual observation and surname, or on the Internet. For applica- to the extent possible. tions taken by telephone, the information in the collection form E. If the applicant declines to must be stated orally by the len- answer these questions or fails der, except for that information to provide the information on an which pertains uniquely to appli- application taken by mail or tele- cations taken in writing. phone or on the Internet, the data need not be provided. In such a B. Inform the applicant that the fed- case, indicate that the application eral government requests this was received by mail, telephone, information in order to monitor or Internet, if it is not otherwise compliance with federal statutes evident on the face of the that prohibit lenders from dis- application. criminating against applicants on

B-1 Appendix B to Part 203 Form and Instructions for Data Collection on Ethnicity, Race, and Sex

B-2 Section (ii) To assist public officials in dis- Appendix C 203.1 Authority, purpose, and scope tributing public-sector investment so Regulation C 203.2 Definitions as to attract private investment to (Home Mortgage 203.3 Exempt institutions areas where it is needed; and Disclosure) 203.4 Compilation of loan data Effective 203.5 Disclosure and reporting (iii) To assist in identifying possible January 1, 2004 203.6 Enforcement discriminatory lending patterns and enforcing antidiscrimination statutes. Appendix A to Part 203—Form and instructions for completion of HMDA (2) Neither the act nor this regulation loan/application register is intended to encourage unsound lend- ing practices or the allocation of credit. Appendix B to Part 203—Form and instructions for data collection on (c) Scope. This regulation applies to ethnicity, race, and sex certain financial institutions, including banks, savings associations, credit Section 203.1 Authority, purpose, unions, and other mortgage lending and scope. institutions, as defined in section 203.2(e). The regulation requires an (a) Authority. This regulation is institution to report data to its supervi- issued by the Board of Governors of the sory agency about home purchase Federal Reserve System (“Board”) pursu- loans, home improvement loans, and ant to the Home Mortgage Disclosure Act refinancings that it originates or pur- (“HMDA”) (12 U.S.C. 2801 et seq.), as chases, or for which it receives applica- amended. The information-collection tions; and to disclose certain data to the requirements have been approved by the public. U.S. Office of Management and Budget (“OMB”) under 44 U.S.C. 3501 et seq. Section 203.2 Definitions. and have been assigned OMB numbers for institutions reporting data to the In this regulation: Office of the Comptroller of the Currency (1557-0159), the Federal Deposit Insur- (a) Act means the Home Mortgage ance Corporation (3064-0046), the Office Disclosure Act (“HMDA”) (12 U.S.C. of Thrift Supervision (1550-0021), the 2801 et seq.), as amended. Federal Reserve System (7100-0247) and the Department of Housing and (b) Application. Urban Development (“HUD”) (2502- 0529). A number for the National Credit (1) In general. Application means an * Since publication of Union Administration is pending.* the Regulation, the OMB oral or written request for a home pur- changed HUD's assigned (b) Purpose. chase loan, a home improvement loan, number to 2502-0539. or a refinancing that is made in accor- In addition, the OMB assigned a number to the (1) This regulation implements the dance with procedures used by a finan- National Credit Union Admin- Home Mortgage Disclosure Act, which is cial institution for the type of credit istration of 3133-0166. intended to provide the public with loan requested. data that can be used: (2) Preapproval programs. A (i) To help determine whether request for preapproval for a home pur- financial institutions are serving the chase loan is an application under para- housing needs of their communities; graph (b)(1) of this section if the request

C-1 Appendix C is reviewed under a program in which (d) Dwelling means a residential Regulation C the financial institution, after a compre- structure (whether or not attached to (Home Mortgage hensive analysis of the creditworthiness real property) located in a state of the Disclosure) of the applicant, issues a written commit- United States of America, the District of Effective ment to the applicant valid for a desig- Columbia, or the Commonwealth of Pu- January 1, 2004 nated period of time to extend a home erto Rico. The term includes an indi- purchase loan up to a specified amount. vidual condominium unit, cooperative The written commitment may not be sub- unit, or mobile or manufactured home. ject to conditions other than: (e) Financial institution means: (i) Conditions that require the iden- tification of a suitable property; (1) A bank, savings association, or credit union that: (ii) Conditions that require that no material change has occurred in the (i) On the preceding December 31 applicant’s financial condition or cred- had assets in excess of the asset itworthiness prior to closing; and threshold established and published annually by the Board for coverage (iii) Limited conditions that are not by the act, based on the year-to-year related to the financial condition or change in the average of the Con- creditworthiness of the applicant that sumer Price Index for Urban Wage the lender ordinarily attaches to a tra- Earners and Clerical Workers, not ditional home mortgage application seasonally adjusted, for each twelve (such as certification of a clear termite month period ending in November, inspection). with rounding to the nearest million; (c) Branch office means: (ii) On the preceding December (1) Any office of a bank, savings 31, had a home or branch office in a association, or credit union that is ap- metropolitan area; proved as a branch by a federal or state supervisory agency, but excludes free- (iii) In the preceding calendar standing electronic terminals such as year, originated at least one home automated teller machines; and purchase loan (excluding temporary financing such as a construction (2) Any office of a for-profit mort- loan) or refinancing of a home pur- gage-lending institution (other than a chase loan, secured by a first lien on bank, savings association, or credit a one- to four-family dwelling; and union) that takes applications from the public for home purchase loans, home (iv) Meets one or more of the fol- improvement loans, or refinancings. A lowing three criteria: for-profit mortgage-lending institution is also deemed to have a branch office in (A) The institution is federally a metropolitan area if, in the preceding insured or regulated; calendar year, it received applications for, originated, or purchased five or more (B) The mortgage loan referred home purchase loans, home improve- to in paragraph (e)(1)(iii) of this ment loans, or refinancings related to section was insured, guaranteed, property located in that metropolitan or supplemented by a federal area. agency; or

C-2 (C) The mortgage loan referred (1) A loan secured by a lien on a to in paragraph (e)(1)(iii) of this dwelling that is for the purpose, in whole section was intended by the institu- or in part, of repairing, rehabilitating, tion for sale to Fannie Mae or remodeling, or improving a dwelling or Freddie Mac; and the real property on which it is located; and (2) A for-profit mortgage-lending institution (other than a bank, savings (2) A non-dwelling secured loan* that association, or credit union) that: is for the purpose, in whole or in part, of * Read: a loan not secured repairing, rehabilitating, remodeling, or by a lien on a dwelling (i) In the preceding calendar year, improving a dwelling or the real property either: on which it is located, and that is classi- fied by the financial institution as a (A) Originated home purchase home improvement loan. loans, including refinancings of home purchase loans, that equaled (h) Home purchase loan means a at least 10 percent of its loan- loan secured by and made for the pur- origination volume, measured in pose of purchasing a dwelling. dollars; or (i) Manufactured home means any (B) Originated home purchase residential structure as defined under loans, including refinancings of regulations of the Department of Hous- home purchase loans, that equaled ing and Urban Development estab- at least $25 million; and lishing manufactured home construc- tion and safety standards (24 CFR 3280.2). (ii) On the preceding December 31, had a home or branch office in a (j) Metropolitan area means a metro- metropolitan area; and politan area as defined by the U.S. Office of Management and Budget. (iii) Either: (k) Refinancing means a new obliga- (A) On the preceding Decem- tion that satisfies and replaces an exist- ber 31, had total assets of more ing obligation by the same borrower, in than $10 million, counting the which: assets of any parent corporation; or (1) For coverage purposes, the exist- ing obligation is a home purchase loan (B) In the preceding calendar (as determined by the lender, for year, originated at least 100 home example, by reference to available purchase loans, including refin- documents; or as stated by the appli- ancings of home purchase loans. cant), and both the existing obligation and the new obligation are secured by (f) Home-equity line of credit means first liens on dwellings; and an open-end credit plan secured by a dwelling as defined in Regulation Z (2) For reporting purposes, both (Truth in Lending), 12 CFR part 226. the existing obligation and the new obligation are secured by liens on (g) Home improvement loan means: dwellings.

C-3 Appendix C Section 203.3 Exempt (b)) only if the preapproval request is Regulation C institutions. denied or results in the origination of a (Home Mortgage home purchase loan. All reportable Disclosure) (a) Exemption based on state law. transactions shall be recorded, within Effective thirty calendar days after the end of the January 1, 2004 (1) A state-chartered or state- calendar quarter in which final action is licensed financial institution is exempt taken (such as origination or purchase from the requirements of this regulation of a loan, or denial or withdrawal of an if the Board determines that the institu- application), on a register in the format tion is subject to a state disclosure law prescribed in Appendix A of this part. that contains requirements substantially The data recorded shall include the fol- similar to those imposed by this regula- lowing items: tion and that contains adequate provi- sions for enforcement. (1) An identifying number for the loan or loan application, and the date (2) Any state, state-chartered or the application was received. state-licensed financial institution, or association of such institutions, may (2) The type of loan or application. apply to the Board for an exemption under paragraph (a) of this section. (3) The purpose of the loan or application. (3) An institution that is exempt (4) Whether the application is a under paragraph (a) of this section shall request for preapproval and whether it use the disclosure form required by its resulted in a denial or in an origination. state law and shall submit the data required by that law to its state super- (5) The property type to which the visory agency for purposes of loan or application relates. aggregation. (6) The owner-occupancy status of (b) Loss of exemption. An institution the property to which the loan or appli- losing a state-law exemption under para- cation relates. graph (a) of this section shall comply with this regulation beginning with the (7) The amount of the loan or the calendar year following the year for amount applied for. which it last reported loan data under the state disclosure law. (8) The type of action taken, and the date. Section 203.4 Compilation of loan data. (9) The location of the property to which the loan or application relates, by (a) Data format and itemization. A metropolitan area, state, county, and financial institution shall collect data census tract, if the institution has a regarding applications for, and origina- home or branch office in that metropoli- tions and purchases of, home purchase tan area. loans, home improvement loans, and refinancings for each calendar year. An (10) The ethnicity, race, and sex of institution is required to collect data the applicant or borrower, and the regarding requests under a preapproval gross annual income relied on in pro- program (as defined in section 203.2 cessing the application.

C-4 (11) The type of entity purchasing a (1) The reasons it denied a loan loan that the institution originates or pur- application; chases and then sells within the same calendar year (this information need not (2) Requests for preapproval that be included in quarterly updates). are approved by the institution but not accepted by the applicant; and (12) For originated loans subject to Regulation Z, 12 CFR part 226, the dif- (3) Home-equity lines of credit made ference between the loan’s annual per- in whole or in part for the purpose of centage rate (APR) and the yield on home improvement or home purchase. Treasury securities having comparable periods of maturity, if that difference is (d) Excluded data. A financial institu- equal to or greater than 3 percentage tion shall not report: points for loans secured by a first lien on a dwelling, or equal to or greater (1) Loans originated or purchased by than 5 percentage points for loans the financial institution acting in a secured by a subordinate lien on a fiduciary capacity (such as trustee); dwelling. The lender shall use the yield on Treasury securities as of the 15th (2) Loans on unimproved land; day of the preceding month if the rate is set between the 1st and the 14th day of (3) Temporary financing (such as the month and as of the 15th day of the bridge or construction loans); current month if the rate is set on or after the 15th day, as prescribed in (4) The purchase of an interest in a Appendix A to this part. pool of loans (such as mortgage- participation certificates, mortgage- (13) Whether the loan is subject to backed securities, or real estate mort- the Home Ownership and Equity Protec- gage investment conduits); tion Act of 1994. (5) The purchase solely of the right to (14) The lien status of the loan or service loans; or application (first lien, subordinate lien, or not secured by a lien on a dwelling). (6) Loans acquired as part of a merger or acquisition, or as part of the (b) Collection of data on ethnicity, acquisition of all of the assets and race, sex, and income. liabilities of a branch office as defined in section 203.2(c)(1). (1) A financial institution shall collect data about the ethnicity, race, and sex (e) Data reporting for banks and of the applicant or borrower as pre- savings associations that are required scribed in Appendix B of this part. to report data on small business, small farm, and community develop­ (2) Ethnicity, race, sex, and income ment lending under CRA. Banks and data may but need not be collected for savings associations that are required to loans purchased by the financial report data on small business, small institution. farm, and community development lend- ing under regulations that implement the (c) Optional data. A financial institu- Community Reinvestment Act of 1977 tion may report: (12 U.S.C. 2901 et seq.) shall also col-

C-5 Appendix C lect the location of property located metropolitan area where the institu- Regulation C outside metropolitan areas in which tion has offices (the disclosure state- (Home Mortgage the institution has a home or branch ment need only contain data relating Disclosure) office, or outside any metropolitan to the metropolitan area where the Effective areas. branch is located); or January 1, 2004 (ii) Post the address for sending Section 203.5 Disclosure and written requests in the lobby of each reporting. branch office in other metropolitan areas where the institution has (a) Reporting to agency. offices; and mail or deliver a copy of the disclosure statement within fifteen (1) By March 1 following the calendar calendar days of receiving a written year for which the loan data are com- request (the disclosure statement piled, a financial institution shall send its need only contain data relating to complete loan/application register to the the metropolitan area for which the agency office specified in Appendix A of request is made). Including the this part. The institution shall retain a address in the general notice copy for its records for at least three required under paragraph (e) of this years. section satisfies this requirement.

(2) A subsidiary of a bank or savings (c) Public disclosure of modified association shall complete a separate loan/application register. A financial loan/application register. The subsidiary institution shall make its loan/application shall submit the register, directly or register available to the public after through its parent, to the agency that removing the following information supervises its parent. regarding each entry: the application or loan number, the date that the applica- (b) Public disclosure of statement. tion was received, and the date action was taken. An institution shall make its (1) The Federal Financial Institutions modified register available following the Examination Council (“FFIEC”) will calendar year for which the data are prepare a disclosure statement from compiled, by March 31 for a request the data each financial institution received on or before March 1, and submits. within thirty calendar days for a request received after March 1. The modified (2) An institution shall make its dis- register need only contain data relating closure statement (prepared by the to the metropolitan area for which the FFIEC) available to the public at its request is made. home office no later than three business days after receiving it from the FFIEC. (d) Availability of data. A financial institution shall make its modified regis- (3) In addition, an institution shall ter available to the public for a period of either: three years and its disclosure statement available for a period of five years. An (i) Make its disclosure statement institution shall make the data available available to the public, within ten for inspection and copying during the business days of receiving it, in at hours the office is normally open to the least one branch office in each other public for business. It may impose a

C-6 reasonable fee for any cost incurred in subject to administrative sanctions as providing or reproducing the data. provided in section 305 of the act, including the imposition of civil money (e) Notice of availability. A financial penalties, where applicable. Compli- institution shall post a general notice ance is enforced by the agencies listed about the availability of its HMDA data in section 305(b) of the act (12 U.S.C. in the lobby of its home office and of 2804(b). each branch office located in a metro- politan area. An institution shall provide (b) Bona fide errors. promptly upon request the location of the institution’s offices where the state- (1) An error in compiling or recording ment is available for inspection and loan data is not a violation of the act or copying, or it may include the location in this regulation if the error was uninten- the lobby notice. tional and occurred despite the mainte- nance of procedures reasonably (f) Loan aggregation and central adapted to avoid such errors. data depositories. Using the loan data submitted by financial institutions, the (2) An incorrect entry for a census FFIEC will produce reports for individual tract number is deemed a bona fide institutions and reports of aggregate error, and is not a violation of the act or data for each metropolitan area, show- this regulation, provided that the institu- ing lending patterns by property loca- tion maintains procedures reasonably tion, age of housing stock, and income adapted to avoid such errors. level, sex, ethnicity, and race. These reports will be available to the public at (3) If an institution makes a good- central data depositories located in faith effort to record all data concerning each metropolitan area. A listing of cen- covered transactions fully and accu- tral data depositories can be obtained rately within thirty calendar days after from the Federal Financial Institutions the end of each calendar quarter, and Examination Council, Washington, D.C. some data are nevertheless inaccurate 20006. or incomplete, the error or omission is not a violation of the act or this regula- Section 203.6 Enforcement. tion provided that the institution corrects or completes the information prior to (a) Administrative enforcement. A submitting the loan/application register violation of the act or this regulation is to its regulatory agency.

C-7 Introduction decision. If the investor does not Appendix D review the application prior to Official Staff 1. Status. The commentary in this closing, it reports only the loans that Commentary on supplement is the vehicle by which it purchases; it does not report the Regulation C the Division of Consumer and Com- loans it does not purchase. An insti- Effective munity Affairs of the Federal Reserve tution that makes a credit decision on January 1, 2004 Board issues formal staff interpreta- an application prior to closing reports tions of Regulation C (12 CFR part that decision regardless of whose 203). name the loan closes in.

Section 203.1—Authority, 3. Illustrations of the broker rule. Purpose, and Scope Assume that, prior to closing, four investors receive the same applica- 1(c) Scope. tion from a broker; two deny it, one approves it, and one approves it and 1. General. The comments in this acquires the loan. In these circum- section address issues affecting stances, the first two report denials, coverage of institutions and exemp- the third reports the transaction as tions from coverage. approved but not accepted, and the fourth reports an origination (whether 2. The broker rule and the meaning of the loan closes in the name of the “broker” and “investor.” For the broker or the investor). Alternatively, purposes of the guidance given in assume that the broker denies a loan this commentary, an institution that before sending it to an investor; in takes and processes a loan applica- this situation, the broker reports a tion and arranges for another institu- denial. tion to acquire the loan at or after closing is acting as a “broker,” and 4. Broker’s use of investor’s under- an institution that acquires a loan writing criteria. If a broker makes a from a broker at or after closing is credit decision based on underwrit- acting as an “investor.” (The terms ing criteria set by an investor, but used in this commentary may have without the investor’s review prior to different meanings in certain parts of closing, the broker has made the the mortgage lending industry, and credit decision. The broker reports as other terms may be used in place of an origination a loan that it approves these terms, for example in the and closes, and reports as a denial Federal Housing Administration an application that it turns down mortgage insurance programs.) (either because the application does Depending on the facts, a broker not meet the investor’s underwriting may or may not make a credit deci- guidelines or for some other reason). sion on an application (and thus it The investor reports as purchases may or may not have reporting only those loans it purchases. responsibilities). If the broker makes a credit decision, it reports that 5. Insurance and other criteria. If an decision; if it does not make a credit institution evaluates an application decision, it does not report. If an based on the criteria or actions of a investor reviews an application and third party other than an investor makes a credit decision prior to (such as a government or private closing, the investor reports that insurer or guarantor), the institution

D-1 must report the action taken on the assumption (or an application for an application (loan originated, assumption) in the amount of the approved but not accepted, or outstanding principal. If a transac- denied, for example). tion does not involve a written agreement between a new borrower 6. Credit decision of agent is decision and the institution, it is not an of principal. If an institution assumption for HMDA purposes approves loans through the actions and is not reported. of an agent, the institution must report the action taken on the appli- Section 203.2—Definitions cation (loan originated, approved but not accepted, or denied, for 2(b) Application. example). State law determines whether one party is the agent of another. 1. Consistency with Regulation B. Board interpretations that appear in 7. Affiliate bank underwriting (250.250 the official staff commentary to review). If an institution makes an Regulation B (Equal Credit Opportu- independent evaluation of the credit- nity, 12 CFR part 202, Supplement 1) worthiness of an applicant (for are generally applicable to the example, as part of a preclosing definition of an application under review by an affiliate bank under 12 Regulation C. However, under CFR 250.250, which interprets Regulation C the definition of an section 23A of the Federal Reserve application does not include pre- Act), the institution is making a credit qualification requests. decision. If the institution then acquires the loan, it reports the loan 2. Prequalification. A prequalification as an origination whether the loan request is a request by a prospec- closes in the name of the institution tive loan applicant (other than a or its affiliate. An institution that does request for preapproval) for a not acquire the loan but takes some preliminary determination on whether other action reports that action. the prospective applicant would likely qualify for credit under an 8. Participation loan. An institution that institution’s standards, or for a originates a loan and then sells determination on the amount of partial interests to other institutions credit for which the prospective reports the loan as an origination. An applicant would likely qualify. Some institution that acquires only a partial institutions evaluate prequalification interest in such a loan does not requests through a procedure that is report the transaction even if it has separate from the institution’s normal participated in the underwriting and loan application process; others use origination of the loan. the same process. In either case, Regulation C does not require an 9. Assumptions. An assumption institution to report prequalification occurs when an institution enters requests on the HMDA/LAR, even into a written agreement accepting though these requests may consti- a new borrower as the obligor on an tute applications under Regulation B existing obligation. An institution for purposes of adverse action reports as a home purchase loan an notices.

D-2 Appendix D 3. Requests for preapproval. To be a third party such as a loan broker. Official Staff covered preapproval program, the (But see Appendix A, paragraph Commentary on written commitment issued under the I.C.6, which requires certain deposi- Regulation C program must result from a full tory institutions to report property Effective review of the creditworthiness of the location even for properties located January 1, 2004 applicant, including such verification outside those metropolitan areas in of income, resources, and other which the institution has a home or matters as is typically done by the branch office.) institution as part of its normal credit evaluation program. In addition to 3. Nondepository institution. For a conditions involving the identification nondepository institution, “branch of a suitable property and verification office” does not include the office of that no material change has occur- an affiliate or other third party such red in the applicant’s financial as a loan broker. (But note that condition or creditworthiness, the certain nondepository institutions written commitment may be subject must report property location even in only to other conditions (unrelated to metropolitan areas where they do not the financial condition or creditwor- have a physical location.) thiness of the applicant) that the lender ordinarily attaches to a 2(d) Dwelling. traditional home mortgage applica- tion approval. These conditions are 1. Coverage. The definition of “dwell- limited to conditions such as requir- ing” is not limited to the principal or ing an acceptable title insurance other residence of the applicant or binder or a certificate indicating borrower, and thus includes vacation clear termite inspection, and, in the or second homes and rental proper- case where the applicant plans to ties. A dwelling also includes a use the proceeds from the sale of the multifamily structure such as an applicant’s present home to pur- apartment building. chase a new home, a settlement statement showing adequate pro- 2. Exclusions. Recreational vehicles ceeds from the sale of the present such as boats or campers are not home. dwellings for purposes of HMDA. Also excluded are transitory resi- 2(c) Branch office. dences such as hotels, hospitals, and college dormitories—whose 1. Credit union. For purposes of occupants have principal residences Regulation C, a “branch” of a credit elsewhere. union is any office where member accounts are established or loans 2(e) Financial Institution. are made, whether or not the office has been approved as a branch by a 1. General. An institution that met the federal or state agency. (See 12 test for coverage under HMDA in U.S.C. 1752.) year 1, and then ceases to meet the test (for example, because its assets 2. Depository institution. A branch of fall below the threshold on December a depository institution does not 31 of year 2), stops collecting HMDA include a loan production office, the data beginning with year 3. Similarly, office of an affiliate, or the office of a an institution that did not meet the

D-3 coverage test for a given year, and iii. A covered institution and an then meets the test in the succeeding exempt institution merge. The year, begins collecting HMDA data in exempt institution is the surviving the calendar year following the year institution, or a new institution in which it meets the test for cover- is formed. Data collection is age. For example, a for-profit mort- required for transactions of the gage lending institution (other than a covered institution that take place bank, savings association, or credit prior to the merger. Data collec- union) that, in year 1, falls below the tion is optional for transactions thresholds specified in section taking place after the merger 203.2(e)(2)(ii)(A) and (B), but meets date. one of them in year 2, need not collect data in year 2, but begins iv. Two covered institutions merge. collecting data in year 3. Data collection is required for the entire year. The surviving or 2. Adjustment of exemption threshold resulting institution files either a for depository institutions. Deposi- consolidated submission or tory institutions with assets at or separate submissions for that below $36 million are exempt from year. collecting data for 2007. 4. Originations. HMDA coverage 3. Coverage after a merger. Several depends in part on whether an insti- scenarios of data-collection responsi- tution has originated home purchase bilities for the calendar year of a loans. To determine whether activi- merger are described below. Under ties with respect to a particular loan all the scenarios, if the merger results constitute an origination, institutions in a covered institution, that institu- should consult, among other parts of tion must begin data collection the staff commentary, the discussion January 1 of the following calendar of the broker rule under sections year. 203.1(c) and 203.4(a).

i. Two institutions are not covered 5. Branches of foreign banks— by Regulation C because of asset treated as banks. A federal branch size. The institutions merge. No or a state-licensed insured branch of data collection is required for the a foreign bank is a “bank” under year of the merger (even if the section 3(a)(1) of the Federal merger results in a covered Deposit Insurance Act (12 U.S.C. institution). 1813(a)), and is covered by HMDA if it meets the tests for a depository ii. A covered institution and an institution found in section exempt institution merge. The 203.2(e)(1) of Regulation C. covered institution is the surviving institution. For the year of the 6. Branches and offices of foreign merger, data collection is required banks—treated as for-profit for the covered institution’s mortgage lending institutions. transactions. Data collection is Federal agencies, state-licensed optional for transactions handled agencies, state-licensed uninsured in offices of the previously exempt branches of foreign banks, commer- institution. cial lending companies owned or

D-4 Appendix D controlled by foreign banks, and the commercial loan department). Official Staff entities operating under section 25 or Commentary on 25A of the Federal Reserve Act, 12 4. Mixed-use property. A loan to Regulation C U.S.C. 601 and 611 (Edge Act and improve property used for residential Effective agreement corporations) are not and commercial purposes (for January 1, 2004 “banks” under the Federal Deposit example, a building containing Insurance Act. These entities are apartment units and retail space) is a nonetheless covered by HMDA if home improvement loan if the loan they meet the tests for a for-profit proceeds are used primarily to nondepository mortgage lending improve the residential portion of the institution found in section property. If the loan proceeds are 203.2(e)(2) of Regulation C. used to improve the entire property (for example, to replace the heating 2(g) Home improvement loan. system), the loan is a home improve- ment loan if the property itself is 1. Classification requirement for primarily residential. An institution loans not secured by a lien on a may use any reasonable standard to dwelling. An institution has “classi- determine the primary use of the fied” a loan that is not secured by property, such as by square footage a lien on a dwelling as a home or by the income generated. An insti- improvement loan if it has entered tution may select the standard to the loan on its books as a home apply on a case-by-case basis. If the * Read: not secured by a improvement loan, or has otherwise loan is unsecured*, to report the loan dwelling. coded or identified the loan as a as a home improvement loan the home improvement loan. For institution must also have classified it example, an institution that has as such. booked a loan or reported it on a “call report” as a home improvement 5. Multiple-category loans. If a loan is loan has classified it as a home a home improvement loan as well as improvement loan. An institution may a refinancing, an institution reports also classify loans as home improve- the loan as a home improvement ment loans in other ways (for loan. example, by color-coding loan files). 2(h) Home purchase loan. 2. Improvements to real property. Home improvements include 1. Multiple properties. A home pur- improvements both to a dwelling and chase loan includes a loan secured to the real property on which the by one dwelling and used to pur- dwelling is located (for example, chase another dwelling. installation of a swimming pool, construction of a garage, or land- 2. Mixed-use property. A dwelling- scaping). secured loan to purchase property used primarily for residential pur- 3. Commercial and other loans. A poses (for example, an apartment home improvement loan may include building containing a convenience a loan originated outside an institu- store) is a home purchase loan. An tion’s residential mortgage lending institution may use any reasonable division (such as a loan to improve standard to determine the primary an apartment building made through use of the property, such as by

D-5 square footage or by the income 7. Multiple-category loans. If a loan is generated. An institution may select a home purchase loan as well as a the standard to apply on a case-by- home improvement loan, or a refi- case basis. nancing, an institution reports the loan as a home purchase loan. 3. Farm loan. A loan to purchase property used primarily for agricul- 2(i) Manufactured home. tural purposes is not a home pur- chase loan even if the property 1. Definition of a manufactured home. includes a dwelling. An institution The definition in section 203.2(i) may use any reasonable standard to refers to the federal building code for determine the primary use of the factory-built housing established by property, such as by reference to the the Department of Housing and exemption from Regulation X (Real Urban Development (HUD). The HUD Estate Settlement Procedures, 24 code requires generally that housing CFR 3500.5(b)(1)) for a loan on be essentially ready for occupancy property of 25 acres or more. An upon leaving the factory and being institution may select the standard to transported to a building site. Modu- apply on a case-by-case basis. lar homes that meet all of the HUD code standards are included in the 4. Commercial and other loans. A definition because they are ready for home purchase loan may include a occupancy upon leaving the factory. loan originated outside an institu- Other factory-built homes, such as tion’s residential mortgage lending panelized and pre-cut homes, gen- division (such as a loan for the erally do not meet the HUD code purchase of an apartment building because they require a significant made through the commercial loan amount of construction on site before department). they are ready for occupancy. Loans 5. Construction and permanent and applications relating to manu- financing. A home purchase loan factured homes that do not meet the includes both a combined construc- HUD code should not be identified tion/permanent loan and the perma- as manufactured housing under nent financing that replaces a HMDA. construction-only loan. It does not include a construction-only loan, Section 203.4—Compilation of which is considered “temporary Loan Data financing” under Regulation C and is not reported. 4(a) Data format and itemization.

6. Second mortgages that finance the 1. Reporting requirements. downpayments on first mortgages. If an institution making a first mort- i. An institution reports data on gage loan to a home purchaser also loans that it originated and loans makes a second mortgage loan to that it purchased during the the same purchaser to finance part calendar year described in the or all the home purchaser’s down- report. An institution reports payment, the institution reports each these data even if the loans loan separately as a home purchase were subsequently sold by the loan. institution.

D-6 Appendix D ii. An institution reports the data for vi. A financial institution submits all Official Staff loan applications that did not required data to its supervisory Commentary on result in originations—for exam- agency in one package, with the Regulation C ple, applications that the institu- prescribed transmittal sheet. An Effective tion denied or that the applicant officer of the institution certifies to January 1, 2004 withdrew during the calendar year the accuracy of the data. covered by the report. vii. The transmittal sheet states the iii. In the case of brokered loan total number of line entries applications or applications contained in the accompanying forwarded through a correspon- data transmission. dent, the institution reports as originations the loans that it 2. Updating—agency requirements. approved and subsequently Certain state or federal regulations, acquired per a pre-closing such as the Federal Deposit Insur- arrangement (whether or not they ance Corporation’s regulations, may closed in the institution’s name). require an institution to update its Additionally, the institution reports data more frequently than is required the data for all applications that under Regulation C. did not result in originations—for example, applications that the 3. Form of quarterly updating. An institution denied or that the institution may maintain the quarterly applicant withdrew during the updates of the HMDA/LAR in elec- calendar year covered by the tronic or any other format, provided report (whether or not they would the institution can make the informa- have closed in the institution’s tion available to its regulatory name). For all of these loans and agency in a timely manner upon applications, the institution reports request. the required data regarding the borrower’s or applicant’s ethnicity, 4. Transition rules for applications race, sex, and income. received before January 1, 2004, when final action is taken on or iv. Loan originations are to be after January 1, 2004. For applica- reported only once. If the institu- tions received before January 1, tion is the loan broker or corre- 2004, on which final action is taken spondent, it does not report as on or after January 1, 2004, data originations the loans that it for- must be collected and reported on warded to another lender for the HMDA/LAR under the revisions to approval prior to closing, and that Regulation C that take effect on were approved and subsequently January 1, 2004, subject to the acquired by that lender (whether exceptions for property type, loan or not they closed in the institu- purpose, requests for preapproval, tion’s name). applicant information, and rate spread set forth in this comment. v. An institution reports applications that were received in the previous i. Property type. Lenders need not calendar year but were acted determine whether an application upon during the calendar year received before January 1, 2004, covered by the current register. involves a manufactured home,

D-7 and may report the property type 2004 for reporting, using the as 1- to 4-family. following conversion guide:

ii. Loan purpose. For applications (A) Ethnicity. The revised received before January 1, 2004, Regulation C requires lenders may use the definitions lenders to request an of a home improvement loan and applicant’s ethnicity first a refinancing that were in effect in (Hispanic or Latino, Not 2003. For example, a lender need Hispanic or Latino), and then not report data on an application to request the applicant’s received before January 1, 2004, race. The HMDA/LAR has for a dwelling-secured loan made been revised accordingly, so for the purpose of home improve- that ethnicity and race are ment, if the lender did not classify distinct fields. the loan as a home improvement loan. Similarly, a lender may (1) If the applicant’s race report data on an application for was identified as His- a refinancing received in 2003, panic (Code 4) in 2003, where the new obligation will be, use Code 1 (Hispanic or but the existing obligation was Latino) for reporting not, secured by a lien on a ethnicity. dwelling. (2) If the applicant’s race iii. Requests for preapproval. For was identified as Ameri- requests received before January can Indian or Alaskan 1, 2004, lenders need not report Native, Asian or Pacific requests for preapproval (as that Islander, Black, White, term is defined in § 203.2(b)(2) of Other, or Not Applicable the revised Regulation C) that do (Codes 1, 2, 3, 5, 6, or 8) not result in a traditional loan in 2003, use Code 4 (Not application. Lenders may, at their Applicable) for reporting option, report requests for preap- ethnicity. proval that are denied or that are approved but not accepted. In (3) If the applicant did not addition, lenders need not specify provide information on whether an application for a home race in a mail, Internet, or purchase loan involved a request telephone application for preapproval, and should use (Code 7) in 2003, use Code 3 (Not Applicable) in the Code 3 (information not preapproval field on the HMDA/ provided by applicant in LAR. mail, Internet, or tele- phone application) for iv. Applicant information. For reporting ethnicity. applications received before January 1, 2004, lenders must (B) Race. collect data on race or national origin using the categories in (1) If the applicant’s race effect in 2003, and must convert was identified as Ameri- the data to the codes in effect in can Indian or Alaskan

D-8 Appendix D Native, Black, or White in the field provided for the Official Staff in 2003, use the corre- co-applicant’s sex. Commentary on sponding code for 2004. Regulation C For example, if the v. Rate Spread. For applications Effective applicant’s race was received before January 1, 2004, January 1, 2004 identified as Black in which the rate lock occurred (Code 3) in 2003, use before January 1, 2004, lenders Code 3 (Black or Afri- may report NA (Not Applicable) can-American) for for rate spread. For applications reporting race in received before January 1, 2004, 2004. for which the rate lock occurred after January 1, 2004, lenders (2) If the applicant’s race must calculate and report the rate was identified as Asian spread in accordance with the or Pacific Islander in rules set forth in new section 2003, use Code 2 202.4(a)(12) [read: 203.4 (a)(12)] (Asian). (see 67 FR 7222 (Feb. 15, 2002); 67 FR 43223 (June 27, 2002)). (3) If the applicant’s race was identified as His- (A) Example: Assume an appli- panic in 2003, use Code cation is received on Decem- 7 (Not Applicable). ber 1, 2003; the rate lock occurs on December 26, (4) If the applicant’s race 2003, and the loan is origi- was identified as Other nated on January 15, 2004. in 2003, use Code 7 (Not The lender may report NA Applicable). (Not Applicable) for rate spread. (5) If the applicant did not provide information on (B) Example: Assume an appli- race in a mail, Internet, cation is received on Decem- or telephone application ber 15, 2003; the rate lock (Code 7) in 2003, use occurs on January 3, 2004, Code 6 (Information not and the loan is originated on provided by applicant in January 15, 2004. The lender mail, Internet, or tele- must calculate and report the phone application). rate spread in accordance with the rules in new section (6) If the applicant’s race 202.4(a)(12) [read: 203.4 was identified as Not (a)(12)] (see 67 FR 7222 Applicable (Code 8) in (Feb. 15, 2002); (see 67 FR 2003, use Code 7 (Not 7222 (Feb. 15, 2002); 67 FR Applicable). 43223 (June 27, 2002)).

(C) Sex. For applications 4(a)(1) Application number and appli­ received before January 1, cation date. 2004, in which there is no co-applicant, the lender may 1. Application date—consistency. In use Code 4 (Not Applicable) reporting the date of application, an

D-9 institution reports the date the appli- offices, for example, the institution cation was received or the date could use a letter or a numerical shown on the application. Although code to identify the loans or applica- an institution need not choose the tions of different branches, or could same approach for its entire HMDA assign a certain series of numbers to submission, it should be generally particular branches to avoid dupli- consistent (such as by routinely cate numbers. Institutions are using one approach within a particu- strongly encouraged not to use the lar division of the institution or for a applicant’s or borrower’s name or category of loans). social security number, for privacy reasons. 2. Application date—application forwarded by a broker. For an 5. Application—year action taken. An application forwarded by a broker, institution must report an application an institution reports the date the in the calendar year in which the application was received by the institution takes final action on the broker, the date the application was application. received by the institution, or the date shown on the application. 4(a)(3) Purpose. Although an institution need not 1. Purpose—statement of applicant. choose the same approach for its An institution may rely on the oral or entire HMDA submission, it should written statement of an applicant be generally consistent (such as by regarding the proposed use of loan routinely using one approach within proceeds. For example, a lender a particular division of the institution could use a check-box, or a purpose or for a category of loans). line, on a loan application to deter- mine whether or not the applicant 3. Application date—reinstated intends to use loan proceeds for application. If, within the same home improvement purposes. calendar year, an applicant asks an institution to reinstate a counteroffer 2. Purpose—multiple-purpose loan. If that the applicant previously did not a loan is a home purchase loan as accept (or asks the institution to well as a home improvement loan, or reconsider an application that was a refinancing, an institution reports denied, withdrawn, or closed for the loan as a home purchase loan. If incompleteness), the institution may a loan is a home improvement loan treat that request as the continuation as well as a refinancing, an institu- of the earlier transaction or as a new tion reports the loan as a home transaction. If the institution treats improvement loan. the request for reinstatement or reconsideration as a new transac- 4(a)(6) Occupancy. tion, it reports the date of the request as the application date. 1. Occupancy—multiple properties. If a loan relates to multiple properties, 4. Application or loan number. An the institution reports the owner- institution must ensure that each occupancy status of the property for identifying number is unique within which property location is being the institution. If an institution’s reported. (See the comments to register contains data for branch paragraph 4(a)(9), Property location.)

D-10 Appendix D 4(a)(7) Loan amount. 2. Action taken—rescinded transac­ Official Staff tions. If a borrower rescinds a Commentary on 1. Loan amount—counteroffer. If an transaction after closing, the institu- Regulation C applicant accepts a counteroffer for tion may report the transaction either Effective an amount different from the amount as an origination or as an applica- January 1, 2004 initially requested, the institution tion that was approved but not reports the loan amount granted. If accepted. an applicant does not accept a counteroffer or fails to respond, the 3. Action taken—purchased loans. An institution reports the loan amount institution reports the loans that it initially requested. purchased during the calendar year, and does not report the loans that it 2. Loan amount—multiple-purpose declined to purchase. loan. Except in the case of a home- equity line of credit, an institution 4. Action taken—conditional approv­ reports the entire amount of the loan, als. If an institution issues a loan even if only a part of the proceeds is approval subject to the applicant’s intended for home purchase or home meeting underwriting conditions improvement. (other than customary loan commit- ment or loan-closing conditions, such as a clear-title requirement or 3. Loan amount—home-equity line. an acceptable property survey) and An institution that has chosen to the applicant does not meet them, report home-equity lines of credit the institution reports the action reports only the part that is intended taken as a denial. for home-improvement or home- purchase purposes. 5. Action taken date—approved but not accepted. For a loan approved 4. Loan amount—assumption. An by an institution but not accepted by institution that enters into a written the applicant, the institution reports agreement accepting a new party as any reasonable date, such as the the obligor on a loan reports the approval date, the deadline for amount of the outstanding principal accepting the offer, or the date the on the assumption as the loan file was closed. Although an institu- amount. tion need not choose the same approach for its entire HMDA sub- 4(a)(8) Type of action taken and date. mission, it should be generally consistent (such as by routinely 1. Action taken—counteroffers. If an using one approach within a particu- institution makes a counteroffer to lar division of the institution or for a lend on terms different from the category of loans). applicant’s initial request (for example, for a shorter loan maturity 6. Action taken date—originations. or in a different amount) and the For loan originations, an institution applicant does not accept the generally reports the settlement or counteroffer or fails to respond, the closing date. For loan originations institution reports the action taken that an institution acquires through a as a denial on the original terms broker, the institution reports either requested by the applicant. the settlement or closing date, or the

D-11 date the institution acquired the loan ties (home purchase/refinance of from the broker. If the disbursement home purchase). For a home of funds takes place on a date later purchase loan, an institution reports than the settlement or closing date, the property taken as security. If an the institution may use the date of institution takes more than one disbursement. For a construction/ property as security, the institution permanent loan, the institution reports the location of the property reports either the settlement or being purchased if there is just one. closing date, or the date the loan If the loan is to purchase multiple converts to the permanent financing. properties and is secured by Although an institution need not multiple properties, the institution choose the same approach for its reports the location of one of the entire HMDA submission, it should properties or reports the loan using be generally consistent (such as by multiple entries on its HMDA/LAR routinely using one approach within a (with unique identifiers) and allocat- particular division of the institution or ing the loan amount among the for a category of loans). Notwith- properties. standing this flexibility regarding the use of the closing date in connection 3. Property location—loans pur­ with reporting the date action was chased from another institution. taken, the year in which an origina- The requirement to report the tion goes to closing is the year in property location by census tract in which the institution must report the a metropolitan area where the origination. institution has a home or branch office applies not only to loan appli- 7. Action taken—pending applica­ cations and originations but also to tions. An institution does not report loans purchased from another insti- any loan application still pending at tution. This includes loans pur- the end of the calendar year; it chased from an institution that did reports that application on its register not have a home or branch office in for the year in which final action is that metropolitan area and did not taken. collect the property-location information. 4(a)(9) Property location. 4. Property location—mobile or 1. Property location—multiple proper­ manufactured home. If information ties (home improvement/refinance about the potential site of a mobile of home improvement). For a home or manufactured home is not improvement loan, an institution available, an institution reports reports the property being improved. using the code for “not applicable.” If more than one property is being improved, the institution reports the location of one of the properties or 4(a)(10) Applicant and income data. reports the loan using multiple entries on its HMDA/LAR (with 1. Applicant data—completion by unique identifiers) and allocating the applicant. An institution reports the loan amount among the properties. monitoring information as provided by the applicant. For example, if an 2. Property location—multiple proper­ applicant checks the “Asian” box

D-12 Appendix D the institution reports using the income relied on in evaluating the Official Staff “Asian” code. creditworthiness of applicants. For Commentary on example, if an institution relies on an Regulation C 2. Applicant data—completion by applicant’s salary to compute a Effective lender. If an applicant fails to pro- debt-to-income ratio but also relies January 1, 2004 vide the requested information for on the applicant’s annual bonus to an application taken in person, the evaluate creditworthiness, the insti- institution reports the data on the tution reports the salary and the basis of visual observation or bonus to the extent relied upon. surname. Similarly, if an institution relies on the income of a cosigner to evaluate 3. Applicant data—application com­ creditworthiness, the institution pleted in person. When an applicant includes this income to the extent meets in person with a lender to relied upon. But an institution does complete an application that was not include the income of a guaran- begun by mail, Internet, or tele- tor who is only secondarily liable. phone, the institution must request the monitoring information. If the 7. Income data—co-applicant. If two meeting occurs after the application persons jointly apply for a loan and process is complete, for example, at both list income on the application, closing, the institution is not required but the institution relies only on the to obtain monitoring information. income of one applicant in comput- ing ratios and in evaluating credit- 4. Applicant data—joint applicant. A worthiness, the institution reports joint applicant may enter the govern- only the income relied on. ment monitoring information on behalf of an absent joint applicant. 8. Income data—loan to employee. If the information is not provided, the An institution may report “NA” in the institution reports using the code for income field for loans to its employ- “information not provided by appli- ees to protect their privacy, even cant in mail, Internet, or telephone though the institution relied on application.” their income in making its credit decisions. 5. Applicant data—video and other electronic-application processes. 4(a)(11) Purchaser. An institution that accepts applica- tions through electronic media with a 1. Type of purchaser—loan-partici­ video component treats the applica- pation interests sold to more than tions as taken in person and collects one entity. An institution that the information about the ethnicity, originates a loan, and then sells it to race, and sex of applicants. An more than one entity, reports the institution that accepts applications “type of purchaser” based on the through electronic media without a entity purchasing the greatest video component (for example, the interest, if any. If an institution Internet or facsimile) treats the retains a majority interest, it does applications as accepted by mail. not report the sale.

6. Income data—income relied on. An 2. Type of purchaser-swapped loans. institution reports the gross annual Loans “swapped” for mortgage-

D-13 backed securities are to be treated mation that is readily available to as sales; the purchaser is the type of them at the time final action is entity receiving the loans that are taken and that they reasonably swapped. believe is accurate, such as the applicant’s statement on the 4(a)(12) Rate-spread information. application or the applicant’s credit report. For example, where 1. Treasury securities of comparable the applicant indicates on the maturity. To determine the yield on application that there is a mort- a Treasury security, lenders must gage on the property or where the use the table entitled “Treasury applicant’s credit report shows Securities of Comparable Maturity that the applicant has a mort- under Regulation C,” which will be gage—and that mortgage is not published on the FFIEC’s web site going to be paid off as part of the (http://www.ffiec.gov/hmda) and transaction—the lender may made available in paper form upon assume that the loan it originates request. This table will provide, for is secured by a subordinate lien. the 15th day of each month, Treasury If the same application did not security yields for every available result in an origination—for loan maturity. The applicable Trea- example, because the application sury yield date will depend on the is denied or withdrawn—the date on which the financial institution lender would report the applica- set the interest rate on the loan for tion as an application for a the final time before closing. See subordinate-lien loan. Appendix A, Paragraphs I.G.1. and 2. ii. Lenders may also consider their 4(a)(14) Lien status. established procedures when determining lien status for appli- 1. Determining lien status for applica­ cations that do not result in tions and loans originated. originations. For example, a consumer applies to a lender to i. Lenders are required to report lien refinance a $100,000 first mort- status for loans they originate and gage; the consumer also has a applications that do not result in home-equity line of credit for originations. Lien status is deter- $20,000. If the lender’s practice in mined by reference to the best such a case is to ensure that it information readily available to will have first-lien position— the lender at the time final action through a subordination agree- is taken and to the lender’s own ment with the holder of the procedures. Thus, lenders may mortgage on the home-equity rely on the title search they line—then the lender should routinely perform as part of their report the application as an underwriting procedures—for application for a first-lien loan. example, for home purchase loans. Regulation C does not 4(c)(3) Optional data—home-equity require lenders to perform title lines of credit. searches solely to comply with HMDA reporting requirements. 1. An institution that opts to report Lenders may rely on other infor- home-equity lines reports the dispo-

D-14 Appendix D sition of all applications, not just total number of pages (for example, Official Staff originations. “Page 1 of 3”). Commentary on Regulation C 4(d) Excluded data. 3. Procedures for entering data. The Effective required data are entered in the January 1, 2004 1. Mergers, purchases in bulk, and register for each loan origination, branch acquisitions. If a covered each application acted on, and institution acquires loans in bulk from each loan purchased during the another institution (for example, from calendar year. The institution should the receiver for a failed institution) decide on the procedure it wants to but no merger or acquisition of the follow—for example, whether to institution, or acquisition of a branch, begin entering the required data, is involved, the institution reports the when an application is received, or loans as purchased loans. to wait until final action is taken (such as when a loan goes to Section 203.5—Disclosure and closing or an application is denied). Reporting 4. Options for collection. An institu- 5(a) Reporting to agency. tion may collect data on separate registers at different branches, or on 1. Submission of data. Institutions separate registers for different loan submit data to their supervisory types (such as for home purchase agencies in an automated, machine- or home improvement loans, or for readable form. The format must loans on multifamily dwellings). conform to that of the HMDA/LAR. An Entries need not be grouped on the institution should contact its federal register by metropolitan area, or supervisory agency for information chronologically, or by census tract regarding procedures and technical numbers, or in any other particular specifications for automated data order. submission; in some cases, agen- cies also make software available for 5. Change in supervisory agency. If automated data submission. The the supervisory agency for a cov- data are edited before submission, ered institution changes (as a using the edits included in the consequence of a merger or a agency-supplied software or equiva- change in the institution’s charter, lent edits in software available from for example), the institution must vendors or developed in-house. report data to its new supervisory agency beginning with the year of 2. Submission in paper form. Institu- the change. tions that report twenty-five or fewer entries on their HMDA/LAR may 6. Subsidiaries. An institution is a collect and report the data in paper subsidiary of a bank or savings form. An institution that submits its association (for purposes of report- register in nonautomated form sends ing HMDA data to the parent’s two copies that are typed or com- supervisory agency) if the bank or puter printed and must use the savings association holds or con- format of the HMDA/LAR (but need trols an ownership interest that is not use the form itself). Each page greater than 50 percent of the must be numbered along with the institution.

D-15 7. Transmittal sheet—additional data encouraged to do so in order to submissions. If an additional data enhance its utility to users. submission becomes necessary (for example, because the institution 5(e) Notice of availability. discovers that data were omitted 1. Poster—suggested text. An institu- from the initial submission, or tion may use any text that meets the because revisions are called for, that requirements of the regulation. submission must be accompanied Some of the federal financial regula- by a transmittal sheet. tory agencies and HUD provide HMDA posters that an institution can 8. Transmittal sheet—revisions or use to inform the public of the deletions. If a data submission availability of its HMDA data, or the involves revisions or deletions of institution may create its own previously submitted data, it must posters. If an institution prints its state the total of all line entries con- own, the following language is tained in that submission, including suggested but is not required: both those representing revisions or deletions of previously submitted HOME MORTGAGE DISCLOSURE entries, and those that are being ACT NOTICE resubmitted unchanged or are being submitted for the first time. Deposi- The HMDA data about our residen- tory institutions must provide a list of tial mortgage lending are available the metropolitan areas in which they for review. The data show geo- have home or branch offices. graphic distribution of loans and applications; ethnicity, race, sex, 5(b) Public disclosure of statement. and income of applicants and borrowers; and information about 1. Business day. For purposes of sec- loan approvals and denials. Inquire tion 203.5, a business day is any at this office regarding the locations calendar day other than a Saturday, where HMDA data may be Sunday, or legal public holiday. inspected.

2. Format. An institution may make the 2. Additional language for institu­ disclosure statement available in tions making the disclosure paper form or, if the person request- statement available on request. An ing the data agrees, in automated institution that posts a notice inform- form (such as by PC diskette or CD- ing the public of the address to ROM). which a request should be sent could include the following sen- 5(c) Public disclosure of modified tence, for example, in its general loan/application register. notice: “To receive a copy of these data send a written request to 1. Format. An institution may make the [address].” modified register available in paper Section 203.6—Enforcement or automated form (such as by PC diskette or computer tape). Although 6(b) Bona fide errors. institutions are not required to make the modified register available in 1. Bona fide error—information from census tract order, they are strongly third parties. An institution that

D-16 Appendix D obtains the property-location Official Staff information for applications and Commentary on loans from third parties (such as Regulation C appraisers or vendors of Effective “geocoding” services) is respon- January 1, 2004 sible for ensuring that the informa- tion reported on its HMDA/LAR is correct.

D-17 Home Mortgage Disclosure Act 12 the distribution of public sector invest- Appendix E USC 2801 et seq.; 89 Stat. 1125; ments in a manner designed to improve Home Mortgage Pub. L. 94-200, Title III the private investment environment. Disclosure Act (December 31, 1975) (c) Nothing in this title is intended to, Section nor shall it be construed to, encourage 301 Short title unsound lending practices or the alloca- 302 Findings and purposes tion of credit. 303 Definitions 304 Maintenance of records and [12 USC 2801.] public disclosure 305 Enforcement Section 303—Definitions 306 Relation to state laws 307 Research and improved For purposes of this title— methods 308 Study (1) the term “mortgage loan” means a 309 Effective date loan which is secured by residential real 310 Compilation of aggregate data property or a home improvement loan; 311 Disclosure by the secretary (2) the term “depository institution”—

Section 301—Short Title (A) means—

This title may be cited as the “Home (i) any bank (as defined in section Mortgage Disclosure Act of 1975.” 3(a)(1) of the Federal Deposit Insur- ance Act); [12 USC 2801 note.] (ii) any savings association (as Section 302—Findings and defined in section 3(b)(1) of the Fed- Purposes eral Deposit Insurance Act); and

(a) The Congress finds that some (iii) any credit union, which makes depository institutions have sometimes federally related mortgage loans as contributed to the decline of certain geo- determined by the Board; and graphic areas by their failure pursuant to their chartering responsibilities to pro- (B) includes any other lending institu- vide adequate home financing to quali- tion (as defined in paragraph (4)) other fied applicants on reasonable terms and than any institution described in sub- conditions. paragraph (A);

(b) The purpose of this title is to pro- (3) the term “completed application” vide the citizens and public officials of means an application in which the credi- the United States with sufficient informa- tor has received the information that is tion to enable them to determine whether regularly obtained in evaluating applica- depository institutions are filling their ob- tions for the amount and type of credit ligations to serve the housing needs of requested; the communities and neighborhoods in which they are located and to assist (4) the term “other lending institu- public officials in their determination of tions” means any person engaged for

E-1 Appendix E profit in the business of mortgage paragraph (1) shall also be itemized in Home Mortgage lending; order to clearly and conspicuously dis- Disclosure Act close the following: (5) the term “Board” means the Board of Governors of the Federal (A) The number and dollar amount Reserve System; and for each item referred to in paragraph (1), by census tracts for mortgage loans (6) the term “Secretary” means secured by property located within any the Secretary of Housing and Urban county with a population of more than Development. 30,000, within that primary metropolitan statistical area, metropolitan statistical [12 USC 2802. As amended by acts of area, or consolidated metropolitan sta- Feb. 5, 1988 (101 Stat. 1945) and Aug. tistical area that is not comprised of 9, 1989 (103 Stat. 525).] designated primary metropolitan statisti- cal areas, otherwise, by county, for Section 304—Maintenance of mortgage loans secured by property lo- Records and Public Disclosure cated within any other county within that primary metropolitan statistical area, (a)(1) Each depository institution metropolitan statistical area, or consoli- which has a home office or branch dated metropolitan statistical area that office located within a primary metropoli- is not comprised of designated primary tan statistical area, metropolitan statisti- metropolitan statistical areas. cal area, or consolidated metropolitan statistical area that is not comprised of (B) The number and dollar amount designated primary metropolitan statisti- for each item referred to in paragraph cal areas, as defined by the Department (1) for all such mortgage loans which of Commerce shall compile and make are secured by property located outside available, in accordance with regula- that primary metropolitan statistical tions of the Board, to the public for area, metropolitan statistical area, or inspection and copying at the home consolidated metropolitan statistical office, and at least one branch office area that is not comprised of designated within each primary metropolitan statisti- primary metropolitan statistical areas. cal area, metropolitan statistical area, or consolidated metropolitan statistical For the purpose of this paragraph, a area that is not comprised of designated depository institution which maintains primary metropolitan statistical areas offices in more than one primary metro- in which the depository institution has politan statistical area, metropolitan an office the number and total dollar statistical area, or consolidated amount of mortgage loans which were metropolitan statistical area that is not (A) originated (or for which the institution comprised of designated primary metro- received completed applications), or (B) politan statistical areas shall be required purchased by that institution during to make the information required by this each fiscal year (beginning with the last paragraph available at any such office full fiscal year of that institution which only to the extent that such information immediately preceded the effective date relates to mortgage loans which were of this title.) originated or purchased (or for which completed applications were received) (2) The information required to be by an office of that depository institution maintained and made available under located in the primary metropolitan sta-

E-2 tistical area, metropolitan statistical area, compiled and made available under this or consolidated metropolitan statistical section, other than loan application reg- area that is not comprised of designated ister information under subsection (j), primary metropolitan statistical areas in shall be maintained and made available which the office making such for a period of five years after the close information available is located. For pur- of the first year during which such infor- poses of this paragraph, other lending mation is required to be maintained and institutions shall be deemed to have a made available. home office or branch office within a pri- mary metropolitan statistical area, metro- (d) Notwithstanding the provisions of politan statistical area, or consolidated subsection (a)(1), data required to be metropolitan statistical area that is not disclosed under this section for 1980 comprised of designated primary metro- and thereafter shall be disclosed for politan statistical areas if such institu- each calendar year. Any depository tions have originated or purchased or institution which is required to make dis- received completed applications for at closures under this section but which least 5 mortgage loans in such area in has been making disclosures on some the preceding calendar year. basis other than a calendar year basis shall make available a separate disclo- (b) Any item of information relating to sure statement containing data for any mortgage loans required to be main- period prior to calendar year 1980 which tained under subsection (a) shall be fur- is not covered by the last full year report ther itemized in order to disclose for prior to the 1980 calendar year report. each such item— (e) Subject to subsection (h), the (1) the number and dollar amount of Board shall prescribe a standard format mortgage loans which are insured under for the disclosures required under this title II of the National Housing Act or section. under title V of the Housing Act of 1949 or which are guaranteed under chapter (f) The Federal Financial Institutions 37 of title 38, United States Code; Examination Council in consultation with the Secretary, shall implement a system (2) the number and dollar amount of to facilitate access to data required to mortgage loans made to mortgagors be disclosed under this section. Such who did not, at the time of execution of system shall include arrangements for a the mortgage, intend to reside in the central depository of data in each pri- property securing the mortgage loan; mary metropolitan statistical area, met- ropolitan statistical area, or consolidated (3) the number and dollar amount of metropolitan statistical area that is not home improvement loans; and comprised of designated primary metro- politan statistical areas. Disclosure (4) the number and dollar amount of statements shall be made available to mortgage loans and completed applica- the public for inspection and copying at tions involving mortgagors or mortgage such central depository of data for all applicants grouped according to census depository institutions which are re- tract, income level, racial characteris- quired to disclose information under this tics, and gender. section (or which are exempted pursu- ant to section 306(b)) and which have a (c) Any information required to be home office or branch office within such

E-3 Appenix E primary metropolitan statistical area, (4) the National Credit Union Admin- Home Mortgage metropolitan statistical area, or consoli- istration Board for credit unions; and Disclosure Act dated metropolitan statistical area that is not comprised of designated primary (5) the Secretary of Housing and metropolitan statistical areas. Urban Development for other lending institutions not regulated by the (g) The requirements of subsections agencies referred to in paragraphs (a) and (b) shall not apply with respect (1) through (4), to mortgage loans that are— shall develop regulations prescribing (1) made (or for which completed the format for such disclosures, the applications are received) by any mort- method for submission of the data to the gage banking subsidiary of a bank appropriate regulatory agency, and the holding company or savings and loan procedures for disclosing the informa- holding company or by any savings and tion to the public. These regulations loan service corporation that originates shall also require the collection of data or purchases mortgage loans; and required to be disclosed under subsec- tion (b)(4) with respect to loans sold by (2) approved (or for which completed each institution reporting under this title, applications are received) by the secre- and, in addition, shall require disclosure tary for insurance under title I or II of the of the class of the purchaser of such National Housing Act. loans. Any reporting institution may sub- mit in writing to the appropriate agency (h) The data required to be disclosed such additional data or explanations as under subsection (b)(4) shall be submit- it deems relevant to the decision to ted to the appropriate agency for each originate or purchase mortgage loans. institution reporting under this title. Not- withstanding the requirement of section (i) The requirements of subsection 304(a)(2)(A) for disclosure by census (b)(4) shall not apply with respect to any tract, the Board, in cooperation with depository institution described in sec- other appropriate regulators, including— tion 303(2)(A) which has total assets, as (1) the Office of the Comptroller of of the most recent full fiscal year of such the Currency for national banks and institution, of $30,000,000 or less. Federal branches and Federal agencies of foreign banks; (j) Loan application register information. (2) the Director of the Office of Thrift Supervision for savings associations; (1) In addition to the information required to be disclosed under subsec- (3) the Federal Deposit Insurance tions (a) and (b), any depository institu- Corporation for banks insured by the tion which is required to make Federal Deposit Insurance Corporation disclosures under this section shall (other than members of the Federal make available to the public, upon Reserve System), mutual savings banks, request, loan application register infor- insured State branches of foreign banks, mation (as defined by the Board by and any other depository institution regulation) in the form required under described in section 303(2)(A) which regulations prescribed by the Board. is not otherwise referred to in this paragraph; (2)(A) Subject to subparagraph (B),

E-4 the loan application register information or before March 1 of the succeeding described in paragraph (1) may be dis- year, before April 1 of the succeeding closed by a depository institution without year; and editing or compilation and in the format in which such information is maintained (B) in the case of a request made by the institution. after March 1 of the succeeding year, before the end of the 30-day period (B) The Board shall require, by regu- beginning on the date the request is lation, such deletions as the Board may made. determine to be appropriate to protect— (6) Notwithstanding subsection (c), (i) any privacy interest of any ap- the loan application register information plicant, including the deletion of the described in paragraph (1) for any year applicant’s name and identification shall be maintained and made available, number, the date of the application, upon request, for 3 years after the close and the date of any determination by of the 1st year during which such infor- the institution with respect to such mation is required to be maintained and application; and made available.

(ii) a depository institution from (7) In prescribing regulations under liability under any Federal or State pri- this subsection, the Board shall make vacy law. every effort to minimize the costs incurred by a depository institution in (C) It is the sense of the Congress complying with this subsection and that a depository institution should pro- such regulations. vide loan register information under this section in a format based on the census (k) Disclosure of statements by tract in which the property is located. depository institutions. (3) A depository institution meets the disclosure requirement of paragraph (1) (1) In accordance with procedures if the institution provides the information established by the Board pursuant to required under such paragraph in the this section, any depository institution form in which the institution maintains required to make disclosures under this such information. section—

(4) Any depository institution which (A) shall make a disclosure state- provides information under this subsec- ment available, upon request, to the tion may impose a reasonable fee for public no later than 3 business days af- any cost incurred in reproducing such ter the institution receives the statement information. from the Federal Financial Institutions Examination Council; and (5) The disclosure of the loan appli- cation register information described in (B) may make such statement avail- paragraph (1) for any year pursuant to a able on a floppy disc which may be request under paragraph (1) shall be used with a personal computer or in made— any other media which is not prohibited under regulations prescribed by the (A) in the case of a request made on Board.

E-5 Appendix E (2) Any disclosure statement pro- (3) The Federal Financial Institutions Home Mortgage vided pursuant to paragraph (1) shall be Examination Council shall make such Disclosure Act accompanied by a clear and conspicu- changes in the system established pur- ous notice that the statement is subject suant to subsection (f) as may be nec- to final review and revision, if necessary. essary to carry out the requirements of this subsection. (3) Any depository institution which provides a disclosure statement pursu- (m) Opportunity to reduce compli- ant to paragraph (1) may impose a ance burden. reasonable fee for any cost incurred in providing or reproducing such (1)(A) A depository institution shall statement. be deemed to have satisfied the public availability requirements of subsection (l) Prompt disclosures. (a) if the institution compiles the infor- mation required under that subsection at (1) Any disclosure of information pur- the home office of the institution and suant to this section or section 310 shall provides notice at the branch locations be made as promptly as possible. specified in subsection (a) that such information is available from the home (2)(A) Except as provided in subsec- office of the institution upon written tions (j)(5) and (k)(1) and regulations request. prescribed by the Board and subject to subparagraph (B), any information (B) Not later than 15 days after the required to be disclosed for any year receipt of a written request for any infor- beginning after December 31, 1992, mation required to be compiled under under— subsection (a), the home office of the depository institution receiving the re- (i) this section shall be made quest shall provide the information perti- available to the public before Septem- nent to the location of the branch in ber 1 of the succeeding year; and question to the person requesting the (ii) section 310 shall be made information. available to the public before Decem- ber 1 of the succeeding year. (2) In complying with paragraph (1), a depository institution shall, in the (B) With respect to disclosures of in- sole discretion of the institution, provide formation under this section or section the person requesting the information 310 for any year beginning after Decem- with— ber 31, 1993, every effort shall be made— (A) a paper copy of the information requested; or (i) to make information disclosed under this section or section 310 (B) if acceptable to the person, the available to the public before July 1 of information through a form of electronic the succeeding year; and medium, such as a computer disk.

(ii) to make information required [12 USC 2803. As amended by acts of to be disclosed under section 310 Oct. 8, 1980 (94 Stat. 1657); Nov. 30, available to the public before Septem- 1983 (97 Stat. 1266); Feb. 5, 1988 (101 ber 1 of the succeeding year. Stat. 1945, 1950); Aug. 9, 1989 (103

E-6 Stat. 524, 525, 526); Dec. 19, 1991 (105 defined in section 3(f) of the Federal Stat. 2299); Oct. 28, 1992 (106 Stat. Deposit Insurance Act (12 U.S.C. 3889, 3891); and Sept. 30, 1996 (110 1813(f)), insured State branches of for- Stat. 3009-416).] eign banks, and any other depository institution not referred to in this para- Section 305—Enforcement graph or paragraph (2) or (3) of this sub- section, by the Board of Directors of the (a) The Board shall prescribe such Federal Deposit Insurance Corporation; regulations as may be necessary to carry out the purposes of this title. (2) section 8 of the Federal Deposit These regulations may contain such Insurance Act, by the Director of the classifications, differentiations, or other Office of Thrift Supervision, in the case provisions, and may provide for such of a savings association the deposits adjustments and exceptions for any of which are insured by the Federal class of transactions, as in the judgment Deposit Insurance Corporation; of the Board are necessary and proper to effectuate the purposes of this title, (3) the Federal Credit Union Act, by and prevent circumvention or evasion the Administrator of the National Credit thereof, or to facilitate compliance Union Administration with respect to any therewith. credit union; and

(b) Compliance with the require- (4) other lending institutions, by ments imposed under this title shall be the Secretary of Housing and Urban enforced under— Development.

(1) section 8 of the Federal Deposit The terms used in paragraph (1) that Insurance Act, in the case of— are not defined in this title or otherwise defined in section 3(s) of the Federal (A) national banks and Federal Deposit Insurance Act (12 U.S.C. branches and Federal agencies of for- 1813(s)) shall have the meaning given eign banks, by the Office of Comptroller to them in section 1(b) of the Interna- of the Currency; tional Banking Act of 1978 (12 U.S.C. 3101). (B) member banks of the Federal Reserve System (other than national (c) For the purpose of the exercise banks), branches and agencies of for- by any agency referred to in subsection eign banks (other than Federal (b) of its powers under any Act referred branches, Federal agencies, and to in that subsection, a violation of any insured State branches of foreign requirement imposed under this title banks), commercial lending companies shall be deemed to be a violation of a owned or controlled by foreign banks, requirement imposed under that Act. In and organizations operating under sec- addition to its powers under any provi- tion 25 or 25A of the Federal Reserve sion of law specifically referred to in Act, by the Board; and subsection (b), each of the agencies referred to in that subsection may exer- (C) banks insured by the Federal cise, for the purpose of enforcing com- Deposit Insurance Corporation (other pliance with any requirement imposed than members of the Federal Reserve under this title, any other authority con- System), mutual savings banks as ferred on it by law.

E-7 Appendix E [12 USC 2804. As amended by acts of Insurance Act, by the Director of the Home Mortgage Aug. 9, 1989 (103 Stat. 440, 526) and Office of Thrift Supervision in the case Disclosure Act Dec. 19, 1991 (105 Stat. 2299).] of a savings association the deposits of which are insured by the Federal Section 306—Relation to State Deposit Insurance Corporation. Laws [12 USC 2805. As amended by act of (a) This title does not annul, alter, or Aug. 9, 1989 (103 Stat. 440).] affect, or exempt any State-chartered depository institution subject to the pro- Section 307—Research and visions of this title from complying with Improved Methods the laws of any state or subdivision thereof with respect to public disclosure (a)(1) The Director of the Office of and recordkeeping by depository institu- Thrift Supervision, with the assistance of tions, except to the extent that those the Secretary, the Director of the Bureau laws are inconsistent with any provision of the Census, the Comptroller of the of this title, and then only to the extent of Currency, the Board of Governors of the the inconsistency. The Board is autho- Federal Reserve System, the Federal rized to determine whether such incon- Deposit Insurance Corporation, and sistencies exist. The Board may not such other persons as the Director of determine that any such law is inconsis- the Office of Thrift Supervision deems tent with any provision of this title if the appropriate, shall develop, or assist in Board determines that such law requires the improvement of, methods of match- the maintenance of records with greater ing addresses and census tracts to geographic or other detail than is re- facilitate compliance by depository insti- quired under this title, or that such law tutions in as economical a manner as otherwise provides greater disclosure possible with the requirements of this than is required under this title. title. (b) The Board may by regulation (2) There is authorized to be appro- exempt from the requirements of this title priated such sums as may be necessary any state-chartered depository institution to carry out this subsection. within any state or subdivision thereof if it determines that, under the law of such (3) The Director of the Office of Thrift state or subdivision, that institution is Supervision is authorized to utilize, con- subject to requirements substantially tract with, act through, or compensate similar to those imposed under this title, any person or agency in order to carry and that such law contains adequate out this subsection. provisions for enforcement. Notwith- standing any other provision of this (b) The Director of the Office of Thrift subsection, compliance with the require- Supervision shall recommend to the ments imposed under this subsection Committee on Banking, Finance and shall be enforced under— Urban Affairs of the House of Represen- (1) section 8 of the Federal Deposit tatives and the Committee on Banking, Insurance Act in the case of national Housing, and Urban Affairs of the Sen- banks, by the Comptroller of the Cur- ate such additional legislation as the rency; and Director of the Office of Thrift Supervi- sion deems appropriate to carry out the (2) section 8 of the Federal Deposit purpose of this title.

E-8 [12 USC 2806. As amended by H. Res. 5 enactment of the Economic Growth and of Jan. 4, 1977 and acts of Nov. 7, 1988 Regulatory Paperwork Reduction Act of (102 Stat. 3280) and Aug. 9, 1989 (103 1996 shall be the percentage by Stat. 440).] which—

Section 308—Study (A) the Consumer Price Index described in such paragraph for the cal- The Board, in consultation with the Sec- endar year 1996, exceeds retary of Housing and Urban Develop- ment, shall report annually to the (B) such Consumer Price Index for Congress on the utility of the require- the calendar year 1975. ments of section 304(b)(4). (3) The dollar amount applicable [12 USC 2807. As amended by acts of under paragraph (1) for any calendar Nov. 30, 1983 (97 Stat. 1266) and Aug. year shall be the amount determined in 9, 1989 (103 Stat. 526).] accordance with subparagraphs (A) and (B) of paragraph (2) and rounded to the Section 309—Effective Date nearest multiple of $1,000,000. (a) In general. This title shall take effect on the one hundred and eightieth [12 USC 2808. As amended by acts of day beginning after the date of its enact- Dec. 19, 1991 (105 Stat. 2307) and ment. Any institution specified in section Sept. 30, 1996 (110 Stat. 3009-415).] 303(2)(A) which has total assets as of its last full fiscal year of $10,000,000 or less Section 310—Compilation of is exempt from the provisions of this title. Aggregate Data The Board, in consultation with the Secretary, may exempt institutions de- (a) Beginning with data for calendar scribed in section 303(2)(B) that are year 1980, the Federal Financial Institu- comparable within their respective tions Examination Council shall compile industries to institutions that are exempt each year, for each primary metropolitan under the preceding sentence (as deter- statistical area, metropolitan statistical mined without regard to the adjustment area, or consolidated metropolitan sta- made by subsedtion (b)). tistical area that is not comprised of designated primary metropolitan statisti- (b) CPI adjustments. cal areas, aggregate data by census tract for all depository institutions which (1) Subject to paragraph (2), the dol- are required to disclose data under sec- lar amount applicable with respect to tion 304 or which are exempt pursuant institutions described in section to section 306(b). The Council shall also 303(2)(A) under the 2d sentence of sub- produce tables indicating, for each section (a) shall be adjusted annually primary metropolitan statistical area, after December 31, 1996, by the annual metropolitan statistical area, or consoli- percentage increase in the Consumer dated metropolitan statistical area that is Price Index for Urban Wage Earners not comprised of designated primary and Clerical Workers published by the metropolitan statistical areas, aggregate Bureau of Labor Statistics. lending patterns for various categories of census tracts grouped according to (2) The first adjustment made under location, age of housing stock, income paragraph (1) after the date of the level, and racial characteristics.

E-9 Appendix E (b) The Board shall provide staff and consist of data comparable to the data Home Mortgage data processing resources to the Coun- which would be disclosed if such mort- Disclosure Act cil to enable it to carry out the provi- gagee were subject to the requirements sions of subsection (a). of section 304. Disclosure statements containing data for each such mortgage (c) The data and tables required pur- for a primary metropolitan statistical suant to subsection (a) shall be made area, metropolitan statistical area, or available to the public by no later than consolidated metropolitan statistical December 31 of the year following the area that is not comprised of designated calendar year on which the data is primary metropolitan statistical areas based. shall, at a minimum, be publicly avail- able at the central depository of data [12 USC 2809. As added by act of Oct. established pursuant to section 304(f) 8, 1980 (94 Stat. 1658) and amended by for such primary metropolitan statistical act of Nov. 30, 1983 (97 Stat. 1266).] area, metropolitan statistical area, or consolidated metropolitan statistical Section 311—Disclosure by the area that is not comprised of designated Secretary primary metropolitan statistical areas. The Secretary shall also compile and Beginning with data for calendar year make publicly available aggregate data 1980, the Secretary shall make publicly for such mortgagees by census tract, available data in the Secretary’s posses- and tables indicating aggregate lending sion for each mortgagee which is not patterns, in a manner comparable to the otherwise subject to the requirements information required to be made pub- of this title and which is not exempt pur- licly available in accordance with sec- suant to section 306(b) (and for each tion 310. mortgagee making mortgage loans exempted under section 304(g)), with [12 USC 2810. As added by act of Oct. respect to mortgage loans approved (or 8, 1980 (94 Stat. 1658) and amended by for which completed applications are acts of Nov. 30, 1983 (97 Stat. 1266); received) by the Secretary for insurance Feb. 5, 1988 (101 Stat. 1945); and Aug. under title I or II of the National Housing 9, 1989 (103 Stat. 525).] Act. Such data to be disclosed shall

E-10 This appendix contains the information Baldwin (003) Appendix F you will need to identify state and county Barbour* (005) State and County codes and metropolitan statistical area/ Bibb* (007) - MSA 13820 Codes and MSA/MD metropolitan division numbers. Blount (009) - MSA 13820 Numbers Bullock* (011) Butler* (013) The states are listed alphabetically and, For use beginning Calhoun (015) - MSA 11500 under each state, every county in the with 2004 data Chambers (017) state is listed alphabetically. State codes collection Cherokee* (019) appear in parentheses after state Chilton (021) - MSA 13820 names; county codes appear in paren­ Choctaw* (023) theses after county names. Counties Clarke* (025) with populations of 30,000 or less are Clay* (027) denoted with an asterisk (*). For proper­ Cleburne* (029) ties in those counties, you have the Coffee (031) Colbert (033) - MSA 22520 option to report “NA” in the census tract Conecuh* (035) field even if you are a CRA data reporter. Coosa* (037) See Appendix A, I.C.3. Covington (039) Crenshaw* (041) Next to each county in a metropolitan Cullman (043) statistical area (MSA) appears the num­ Dale (045) ber of the MSA, as announced by the Dallas (047) Office of Management and Budget DeKalb (049) (OMB) on June 6, 2003, or thereafter. Elmore (051) - MSA 33860 Escambia (053) Eleven MSAs having a single core with a Etowah (055) - MSA 23460 population of 2.5 million or more (Bos­ Fayette* (057) ton, Chicago, Dallas, Detroit, Los Ange­ Franklin (059) les, Miami, New York, Philadelphia, San Geneva* (061) - MSA 20020 Francisco, Seattle, and Washington) Greene* (063) - MSA 46220 were subdivided into metropolitan divi­ Hale* (065) - MSA 46220 sions (MDs). For any county in an MD, Henry* (067) - MSA 20020 the MD number is shown below instead Houston (069) - MSA 20020 of the MSA number. The MD number, not Jackson (071) the MSA number, should be entered in Jefferson (073) - MSA 13820 the MSA/MD column. Lamar* (075) Lauderdale (077) - MSA 22520 Lawrence (079) - MSA 19460 The list also includes counties located in Lee (081) - MSA 12220 non-metropolitan areas. In those cases, Limestone (083) - MSA 26620 report “NA” in the MSA/MD column. Lowndes* (085) - MSA 33860 Macon* (087) Note that properties located in the fol­ Madison (089) - MSA 26620 lowing U.S. Territories are not HMDA Marengo* (091) reportable, and therefore, are excluded Marion (093) Marshall (095) from the listing: American Samoa, Guam, Mobile (097) - MSA 33660 Northern Mariana Islands, and the Virgin Monroe* (099) Islands. Montgomery (101) - MSA 33860 Morgan (103) - MSA 19460 Alabama (01) Perry* (105) Autauga (001) - MSA 33860 Pickens* (107)

F-1 Appendix F Pike* (109) La Paz* (012) State and County Randolph* (111) Maricopa (013) - MSA 38060 Codes and MSA/MD Russell (113) - MSA 17980 Mohave (015) - MSA 29420 Numbers St. Clair (115) - MSA 13820 Navajo (017) Shelby (117) - MSA 13820 Pima (019) - MSA 46060 Sumter* (119) Pinal (021) - MSA 38060 Talladega (121) Santa Cruz (023) Tallapoosa (123) Yavapai (025) - MSA 39140 Tuscaloosa (125) - MSA 46220 Yuma (027) - MSA 49740 Walker (127) - MSA 13820 Washington* (129) Arkansas (05) Wilcox* (131) Arkansas* (001) Winston* (133) Ashley* (003) Baxter (005) Benton (007) - MSA 22220 Alaska (02) Boone (009) Aleutians East Borough*(013) Bradley* (011) Aleutians West* (016) Calhoun* (013) Anchorage Municipality (020) - MSA 11260 Carroll* (015) Bethel* (050) Chicot* (017) Bristol Bay Borough*(060) Clark* (019) Denali Borough*(068) Clay* (021) Dillingham* (070) Cleburne* (023) Fairbanks North Star Borough (090) ­ Cleveland* (025) - MSA 38220 MSA 21820 Columbia* (027) Haines Borough*(100) Conway* (029) Juneau City and Borough (110) Craighead (031) - MSA 27860 Kenai Peninsula Borough (122) Crawford (033) - MSA 22900 Ketchikan Gateway Borough*(130) Crittenden (035) - MSA 32820 Kodiak Island Borough*(150) Cross* (037) Lake and Peninsula Borough*(164) Dallas* (039) Matanuska-Susitna Borough (170) ­ Desha* (041) MSA 11260 Drew* (043) Nome* (180) Faulkner (045) - MSA 30780 North Slope Borough*(185) Franklin* (047) - MSA 22900 Northwest Arctic Borough*(188) Fulton* (049) Prince of Outer Ketchikan* (201) Garland (051) - MSA 26300 Sitka City and Borough*(220) Grant* (053) - MSA 30780 Skagway-Hoonah-Angoon* (232) Greene (055) Southeast Fairbanks* (240) Hempstead* (057) Valdez-Cordova* (261) Hot Spring (059) Wade Hampton* (270) Howard* (061) Wrangell-Petersburg*(280) Independence (063) Yakutat City and Borough*(282) Izard* (065) Yukon-Koyukuk*(290) Jackson* (067) Jefferson (069) - MSA 38220 AArizonarizona (04) Johnson* (071) Apache (001) Lafayette* (073) Cochise (003) Lawrence* (075) Coconino (005) - MSA 22380 Lee* (077) Gila (007) Lincoln* (079) - MSA 38220 Graham (009) Little River* (081) Greenlee* (011) Logan* (083)

F-2 Lonoke (085) - MSA 30780 Los Angeles (037) - MD 31084 Madison* (087) - MSA 22220 Madera (039) - MSA 31460 Marion* (089) Marin (041) - MD 41884 Miller (091) - MSA 45500 Mariposa* (043) Mississippi (093) Mendocino (045) Monroe* (095) Merced (047) - MSA 32900 Montgomery* (097) Modoc* (049) Nevada* (099) Mono* (051) Newton* (101) Monterey (053) - MSA 41500 Ouachita* (103) Napa (055) - MSA 34900 Perry* (105) - MSA 30780 Nevada (057) Phillips* (107) Orange (059) - MD 42044 Pike* (109) Placer (061) - MSA 40900 Poinsett* (111) - MSA 27860 Plumas* (063) Polk* (113) Riverside (065) - MSA 40140 Pope (115) Sacramento (067) - MSA 40900 Prairie* (117) San Benito (069) - MSA 41940 Pulaski (119) - MSA 30780 San Bernardino (071) - MSA 40140 Randolph* (121) San Diego (073) - MSA 41740 St. Francis* (123) San Francisco (075) - MD 41884 Saline (125) - MSA 30780 San Joaquin (077) - MSA 44700 Scott* (127) San Luis Obispo (079) - MSA 42020 Searcy* (129) San Mateo (081) - MD 41884 Sebastian (131) - MSA 22900 Santa Barbara (083) - MSA 42060 Sevier* (133) Santa Clara (085) - MSA 41940 Sharp* (135) Santa Cruz (087) - MSA 42100 Stone* (137) Shasta (089) - MSA 39820 Union (139) Sierra* (091) Van Buren* (141) Siskiyou (093) Washington (143) - MSA 22220 Solano (095) - MSA 46700 White (145) Sonoma (097) - MSA 42220 Woodruff* (147) Stanislaus (099) - MSA 33700 Yell* (149) Sutter (101) - MSA 49700 Tehama (103) California (06) Trinity* (105) Alameda (001) - MD 36084 Tulare (107) - MSA 47300 Alpine* (003) Tuolumne (109) Amador (005) Ventura (111) - MSA 37100 Butte (007) - MSA 17020 Yolo (113) - MSA 40900 Calaveras (009) Yuba (115) - MSA 49700 Colusa* (011) Contra Costa (013) - MD 36084 Colorado (08) Del Norte* (015) Adams (001) - MSA 19740 El Dorado (017) - MSA 40900 Alamosa* (003) Fresno (019) - MSA 23420 Arapahoe (005) - MSA 19740 Glenn* (021) Archuleta* (007) Humboldt (023) Baca* (009) Imperial (025) - MSA 20940 Bent* (011) Inyo* (027) Boulder (013) - MSA 14500 Kern (029) - MSA 12540 Broomfield (014) - MSA 19740 Kings (031) - MSA 25260 Chaffee* (015) Lake (033) Cheyenne* (017) Lassen (035) Clear Creek* (019) - MSA 19740

F-3 Appendix F Conejos* (021) Connecticut (09) State and County Costilla* (023) Fairfield (001) - MSA 14860 Codes and MSA/MD Crowley* (025) Hartford (003) - MSA 25540 Numbers Custer* (027) Litchfield (005) Delta* (029) Middlesex (007) - MSA 25540 Denver (031) - MSA 19740 New Haven (009) - MSA 35300 Dolores* (033) New London (011) - MSA 35980 Douglas (035) - MSA 19740 Tolland (013) - MSA 25540 Eagle (037) Windham (015) Elbert* (039) - MSA 19740 El Paso (041) - MSA 17820 Delaware (10) Fremont (043) Kent (001) - MSA 20100 Garfield (045) New Castle (003) - MD 48864 Gilpin* (047) - MSA 19740 Sussex (005) Grand* (049) Gunnison* (051) District of Columbia (11) Hinsdale* (053) District of Columbia (001) - MD 47894 Huerfano* (055) Jackson* (057) Florida (12) Jefferson (059) - MSA 19740 Alachua (001) - MSA 23540 Kiowa* (061) Baker* (003) - MSA 27260 Kit Carson* (063) Bay (005) - MSA 37460 Lake* (065) Bradford* (007) La Plata (067) Brevard (009) - MSA 37340 Larimer (069) - MSA 22660 Broward (011) - MD 22744 Las Animas* (071) Calhoun* (013) Lincoln* (073) Charlotte (015) - MSA 39460 Logan* (075) Citrus (017) Mesa (077) - MSA 24300 Clay (019) - MSA 27260 Mineral* (079) Collier (021) - MSA 34940 Moffat* (081) Columbia (023) Montezuma* (083) DeSoto (027) Montrose (085) Dixie* (029) Morgan* (087) Duval (031) - MSA 27260 Otero* (089) Escambia (033) - MSA 37860 Ouray* (091) Flagler (035) - MSA 37380 Park* (093) - MSA 19740 Franklin* (037) Phillips* (095) Gadsden (039) - MSA 45220 Pitkin* (097) Gilchrist* (041) - MSA 23540 Prowers* (099) Glades* (043) Pueblo (101) - MSA 39380 Gulf* (045) Rio Blanco* (103) Hamilton* (047) Rio Grande* (105) Hardee* (049) Routt* (107) Hendry (051) Saguache* (109) Hernando (053) - MSA 45300 San Juan* (111) Highlands (055) San Miguel* (113) Hillsborough (057) - MSA 45300 Sedgwick* (115) Holmes* (059) Summit* (117) Indian River (061) - MSA 42680 Teller* (119) - MSA 17820 Jackson (063) Washington* (121) Jefferson* (065) - MSA 45220 Weld (123) - MSA 24540 Lafayette* (067) Yuma* (125) Lake (069) - MSA 36740

F-4 Lee (071) - MSA 15980 Calhoun* (037) Leon (073) - MSA 45220 Camden (039) Levy (075) Candler* (043) Liberty* (077) Carroll (045) - MSA 12060 Madison* (079) Catoosa (047) - MSA 16860 Manatee (081) - MSA 42260 Charlton* (049) Marion (083) - MSA 36100 Chatham (051) - MSA 42340 Martin (085) - MSA 38940 Chattahoochee* (053) - MSA 17980 Miami-Dade (086) - MD 33124 Chattooga* (055) Monroe (087) Cherokee (057) - MSA 12060 Nassau (089) - MSA 27260 Clarke (059) - MSA 12020 Okaloosa (091) - MSA 23020 Clay* (061) Okeechobee (093) Clayton (063) - MSA 12060 Orange (095) - MSA 36740 Clinch* (065) Osceola (097) - MSA 36740 Cobb (067) - MSA 12060 Palm Beach (099) - MD 48424 Coffee (069) Pasco (101) - MSA 45300 Colquitt (071) Pinellas (103) - MSA 45300 Columbia (073) - MSA 12260 Polk (105) - MSA 29460 Cook* (075) Putnam (107) Coweta (077) - MSA 12060 St. Johns (109) - MSA 27260 Crawford* (079) - MSA 31420 St. Lucie (111) - MSA 38940 Crisp* (081) Santa Rosa (113) - MSA 37860 Dade* (083) - MSA 16860 Sarasota (115) - MSA 42260 Dawson* (085) - MSA 12060 Seminole (117) - MSA 36740 Decatur* (087) Sumter (119) DeKalb (089) - MSA 12060 Suwannee (121) Dodge* (091) Taylor* (123) Dooly* (093) Union* (125) Dougherty (095) - MSA 10500 Volusia (127) - MSA 19660 Douglas (097) - MSA 12060 Wakulla* (129) - MSA 45220 Early* (099) Walton (131) Echols* (101) - MSA 46660 Washington* (133) Effingham (103) - MSA 42340 Elbert* (105) Georgia (13) Emanuel* (107) Appling* (001) Evans* (109) Atkinson* (003) Fannin* (111) Bacon* (005) Fayette (113) - MSA 12060 Baker* (007) - MSA 10500 Floyd (115) - MSA 40660 Baldwin (009) Forsyth (117) - MSA 12060 Banks* (011) Franklin* (119) Barrow (013) - MSA 12060 Fulton (121) - MSA 12060 Bartow (015) - MSA 12060 Gilmer* (123) Ben Hill* (017) Glascock* (125) Berrien* (019) Glynn (127) - MSA 15260 Bibb (021) - MSA 31420 Gordon (129) Bleckley* (023) Grady* (131) Brantley* (025) - MSA 15260 Greene* (133) Brooks* (027) - MSA 46660 Gwinnett (135) - MSA 12060 Bryan* (029) - MSA 42340 Habersham (137) Bulloch (031) Hall (139) - MSA 23580 Burke* (033) - MSA 12260 Hancock* (141) Butts* (035) - MSA 12060 Haralson* (143) - MSA 12060

F-5 Appendix F Harris* (145) - MSA 17980 Seminole* (253) State and County Hart* (147) Spalding (255) - MSA 12060 Codes and MSA/MD Heard* (149) - MSA 12060 Stephens* (257) Numbers Henry (151) - MSA 12060 Stewart* (259) Houston (153) - MSA 47580 Sumter (261) Irwin* (155) Talbot* (263) Jackson (157) Taliaferro* (265) Jasper* (159) - MSA 12060 Tattnall* (267) Jeff Davis* (161) Taylor* (269) Jefferson* (163) Telfair* (271) Jenkins* (165) Terrell* (273) - MSA 10500 Johnson* (167) Thomas (275) Jones* (169) - MSA 31420 Tift (277) Lamar* (171) - MSA 12060 Toombs* (279) Lanier* (173) - MSA 46660 Towns* (281) Laurens (175) Treutlen* (283) Lee* (177) - MSA 10500 Troup (285) Liberty (179) - MSA 25980 Turner* (287) Lincoln* (181) Twiggs* (289) - MSA 31420 Long* (183) - MSA 25980 Union* (291) Lowndes (185) - MSA 46660 Upson* (293) Lumpkin* (187) Walker (295) - MSA 16860 McDuffie* (189) - MSA 12260 Walton (297) - MSA 12060 McIntosh* (191) - MSA 15260 Ware (299) Macon* (193) Warren* (301) Madison* (195) - MSA 12020 Washington* (303) Marion* (197) - MSA 17980 Wayne* (305) Meriwether* (199) - MSA 12060 Webster* (307) Miller* (201) Wheeler* (309) Mitchell* (205) White* (311) Monroe* (207) - MSA 31420 Whitfield (313) - MSA 19140 Montgomery* (209) Wilcox* (315) Morgan* (211) Wilkes* (317) Murray (213) - MSA 19140 Wilkinson* (319) Muscogee (215) - MSA 17980 Worth* (321) - MSA 10500 Newton (217) - MSA 12060 Oconee* (219) - MSA 12020 Hawaii (15) Oglethorpe* (221) - MSA 12020 Hawaii (001) Paulding (223) - MSA 12060 Honolulu (003) - MSA 26180 Peach* (225) Kalawao* (005) Pickens* (227) - MSA 12060 Kauai (007) Pierce* (229) Maui (009) Pike* (231) - MSA 12060 Polk (233) Pulaski* (235) Idaho (16) Putnam* (237) Ada (001) - MSA 14260 Quitman* (239) Adams* (003) Rabun* (241) Bannock (005) - MSA 38540 Randolph* (243) Bear Lake* (007) Richmond (245) - MSA 12260 Benewah* (009) Rockdale (247) - MSA 12060 Bingham (011) Schley* (249) Blaine* (013) Screven* (251) Boise* (015) - MSA 14260

F-6 Bonner (017) Cook (031) - MD 16974 Bonneville (019) - MSA 26820 Crawford* (033) Boundary* (021) Cumberland* (035) Butte* (023) DeKalb (037) - MD 16974 Camas* (025) De Witt* (039) Canyon (027) - MSA 14260 Douglas* (041) Caribou* (029) DuPage (043) - MD 16974 Cassia* (031) Edgar* (045) Clark* (033) Edwards* (047) Clearwater* (035) Effingham (049) Custer* (037) Fayette* (051) Elmore* (039) Ford* (053) - MSA 16580 Franklin* (041) - MSA 30860 Franklin (055) Fremont* (043) Fulton (057) Gem* (045) - MSA 14260 Gallatin* (059) Gooding* (047) Greene* (061) Idaho* (049) Grundy (063) - MD 16974 Jefferson* (051) - MSA 26820 Hamilton* (065) Jerome* (053) Hancock* (067) Kootenai (055) - MSA 17660 Hardin* (069) Latah (057) Henderson* (071) Lemhi* (059) Henry (073) - MSA 19340 Lewis* (061) Iroquois (075) Lincoln* (063) Jackson (077) Madison* (065) Jasper* (079) Minidoka* (067) Jefferson (081) Nez Perce (069) - MSA 30300 Jersey* (083) - MSA 41180 Oneida* (071) Jo Daviess* (085) Owyhee* (073) - MSA 14260 Johnson* (087) Payette* (075) Kane (089) - MD 16974 Power* (077) - MSA 38540 Kankakee (091) - MSA 28100 Shoshone* (079) Kendall (093) - MD 16974 Teton* (081) Knox (095) Twin Falls (083) Lake (097) - MD 29404 Valley* (085) La Salle (099) Washington* (087) Lawrence* (101) Lee (103) Illinois (17) Livingston (105) Adams (001) Logan (107) Alexander* (003) McDonough (109) Bond* (005) - MSA 41180 McHenry (111) - MD 16974 Boone (007) - MSA 40420 McLean (113) - MSA 14060 Brown* (009) Macon (115) - MSA 19500 Bureau (011) Macoupin (117) - MSA 41180 Calhoun* (013) - MSA 41180 Madison (119) - MSA 41180 Carroll* (015) Marion (121) Cass* (017) Marshall* (123) - MSA 37900 Champaign (019) - MSA 16580 Mason* (125) Christian (021) Massac* (127) Clark* (023) Menard* (129) - MSA 44100 Clay* (025) Mercer* (131) - MSA 19340 Clinton (027) - MSA 41180 Monroe* (133) - MSA 41180 Coles (029) Montgomery (135)

F-7 Appendix F Morgan (137) Delaware (035) - MSA 34620 State and County Moultrie* (139) Dubois (037) Codes and MSA/MD Ogle (141) Elkhart (039) - MSA 21140 Numbers Peoria (143) - MSA 37900 Fayette* (041) Perry* (145) Floyd (043) - MSA 31140 Piatt* (147) - MSA 16580 Fountain* (045) Pike* (149) Franklin* (047) - MSA 17140 Pope* (151) Fulton* (049) Pulaski* (153) Gibson (051) - MSA 21780 Putnam* (155) Grant (053) Randolph (157) Greene (055) - MSA 14020 Richland* (159) Hamilton (057) - MSA 26900 Rock Island (161) - MSA 19340 Hancock (059) - MSA 26900 St. Clair (163) - MSA 41180 Harrison (061) - MSA 31140 Saline* (165) Hendricks (063) - MSA 26900 Sangamon (167) - MSA 44100 Henry (065) Schuyler* (169) Howard (067) - MSA 29020 Scott* (171) Huntington (069) Shelby* (173) Jackson (071) Stark* (175) - MSA 37900 Jasper (073) - MD 23844 Stephenson (177) Jay* (075) Tazewell (179) - MSA 37900 Jefferson (077) Union* (181) Jennings* (079) Vermilion (183) - MSA 19180 Johnson (081) - MSA 26900 Wabash* (185) Knox (083) Warren* (187) Kosciusko (085) Washington* (189) LaGrange (087) Wayne* (191) Lake (089) - MD 23844 White* (193) LaPorte (091) - MSA 33140 Whiteside (195) Lawrence (093) Will (197) - MD 16974 Madison (095) - MSA 11300 Williamson (199) Marion (097) - MSA 26900 Winnebago (201) - MSA 40420 Marshall (099) Woodford (203) - MSA 37900 Martin* (101) Miami (103) Indiana (18) Monroe (105) - MSA 14020 Adams (001) Montgomery (107) Allen (003) - MSA 23060 Morgan (109) - MSA 26900 Bartholomew (005) - MSA 18020 Newton* (111) - MD 23844 Benton* (007) - MSA 29140 Noble (113) Blackford* (009) Ohio* (115) - MSA 17140 Boone (011) - MSA 26900 Orange* (117) Brown* (013) - MSA 26900 Owen* (119) - MSA 14020 Carroll* (015) - MSA 29140 Parke* (121) Cass (017) Perry* (123) Clark (019) - MSA 31140 Pike* (125) Clay* (021) - MSA 45460 Porter (127) - MD 23844 Clinton (023) Posey* (129) - MSA 21780 Crawford* (025) Pulaski* (131) Daviess* (027) Putnam (133) - MSA 26900 Dearborn (029) - MSA 17140 Randolph* (135) Decatur* (031) Ripley* (137) DeKalb (033) Rush* (139)

F-8 St. Joseph (141) - MSA 43780 Dickinson* (059) Scott* (143) Dubuque (061) - MSA 20220 Shelby (145) - MSA 26900 Emmet* (063) Spencer* (147) Fayette* (065) Starke* (149) Floyd* (067) Steuben (151) Franklin* (069) Sullivan* (153) - MSA 45460 Fremont* (071) Switzerland* (155) Greene* (073) Tippecanoe (157) - MSA 29140 Grundy* (075) - MSA 47940 Tipton* (159) - MSA 29020 Guthrie* (077) - MSA 19780 Union* (161) Hamilton* (079) Vanderburgh (163) - MSA 21780 Hancock* (081) Vermillion* (165) - MSA 45460 Hardin* (083) Vigo (167) - MSA 45460 Harrison* (085) - MSA 36540 Wabash (169) Henry* (087) Warren* (171) Howard* (089) Warrick (173) - MSA 21780 Humboldt* (091) Washington* (175) - MSA 31140 Ida* (093) Wayne (177) Iowa* (095) Wells* (179) - MSA 23060 Jackson* (097) White* (181) Jasper (099) Whitley (183) - MSA 23060 Jefferson* (101) Johnson (103) - MSA 26980 Iowa (19) Jones* (105) - MSA 16300 Adair* (001) Keokuk* (107) Adams* (003) Kossuth* (109) Allamakee* (005) Lee (111) Appanoose* (007) Linn (113) - MSA 16300 Audubon* (009) Louisa* (115) Benton* (011) - MSA 16300 Lucas* (117) Black Hawk (013) - MSA 47940 Lyon* (119) Boone* (015) Madison* (121) - MSA 19780 Bremer* (017) - MSA 47940 Mahaska* (123) Buchanan* (019) Marion (125) Buena Vista* (021) Marshall (127) Butler* (023) Mills* (129) - MSA 36540 Calhoun* (025) Mitchell* (131) Carroll* (027) Monona* (133) Cass* (029) Monroe* (135) Cedar* (031) Montgomery* (137) Cerro Gordo (033) Muscatine (139) Cherokee* (035) O’Brien* (141) Chickasaw* (037) Osceola* (143) Clarke* (039) Page* (145) Clay* (041) Palo Alto* (147) Clayton* (043) Plymouth* (149) Clinton (045) Pocahontas* (151) Crawford* (047) Polk (153) - MSA 19780 Dallas (049) - MSA 19780 Pottawattamie (155) - MSA 36540 Davis* (051) Poweshiek* (157) Decatur* (053) Ringgold* (159) Delaware* (055) Sac* (161) Des Moines (057) Scott (163) - MSA 19340

F-9 Appendix F Shelby* (165) Gray* (069) State and County Sioux (167) Greeley* (071) Codes and MSA/MD Story (169) - MSA 11180 Greenwood* (073) Tama* (171) Hamilton* (075) Numbers Taylor* (173) Harper* (077) Union* (175) Harvey (079) - MSA 48620 Van Buren* (177) Haskell* (081) Wapello (179) Hodgeman* (083) Warren (181) - MSA 19780 Jackson* (085) - MSA 45820 Washington* (183) - MSA 26980 Jefferson* (087) - MSA 45820 Wayne* (185) Jewell* (089) Webster (187) Johnson (091) - MSA 28140 Winnebago* (189) Kearny* (093) Winneshiek* (191) Kingman* (095) Woodbury (193) - MSA 43580 Kiowa* (097) Worth* (195) Labette* (099) Wright* (197) Lane* (101) Leavenworth (103) - MSA 28140 Kansas (20) Lincoln* (105) Allen* (001) Linn* (107) - MSA 28140 Anderson* (003) Logan* (109) Atchison* (005) Lyon (111) Barber* (007) McPherson* (113) Barton* (009) Marion* (115) Bourbon* (011) Marshall* (117) Brown* (013) Meade* (119) Butler (015) - MSA 48620 Miami* (121) - MSA 28140 Chase* (017) Mitchell* (123) Chautauqua* (019) Montgomery (125) Cherokee* (021) Morris* (127) Cheyenne* (023) Morton* (129) Clark* (025) Nemaha* (131) Clay* (027) Neosho* (133) Cloud* (029) Ness* (135) Coffey* (031) Norton* (137) Comanche* (033) Osage* (139) - MSA 45820 Cowley (035) Osborne* (141) Crawford (037) Ottawa* (143) Decatur* (039) Pawnee* (145) Dickinson* (041) Phillips* (147) Doniphan* (043) - MSA 41140 Pottawatomie* (149) Douglas (045) - MSA 29940 Pratt* (151) Edwards* (047) Rawlins* (153) Elk* (049) Reno (155) Ellis* (051) Republic* (157) Ellsworth* (053) Rice* (159) Finney (055) Riley (161) Ford (057) Rooks* (163) Franklin* (059) - MSA 28140 Rush* (165) Geary* (061) Russell* (167) Gove* (063) Saline (169) Graham* (065) Scott* (171) Grant* (067) Sedgwick (173) - MSA 48620

F-10 Seward* (175) Fayette (067) - MSA 30460 Shawnee (177) - MSA 45820 Fleming* (069) Sheridan* (179) Floyd (071) Sherman* (181) Franklin (073) Smith* (183) Fulton* (075) Stafford* (185) Gallatin* (077) - MSA 17140 Stanton* (187) Garrard* (079) Stevens* (189) Grant* (081) - MSA 17140 Sumner* (191) - MSA 48620 Graves (083) Thomas* (193) Grayson* (085) Trego* (195) Green* (087) Wabaunsee* (197) - MSA 45820 Greenup (089) - MSA 26580 Wallace* (199) Hancock* (091) - MSA 36980 Washington* (201) Hardin (093) - MSA 21060 Wichita* (203) Harlan (095) Wilson* (205) Harrison* (097) Woodson* (207) Hart* (099) Wyandotte (209) - MSA 28140 Henderson (101) - MSA 21780 Henry* (103) - MSA 31140 Kentucky (21) Hickman* (105) Adair* (001) Hopkins (107) Allen* (003) Jackson* (109) Anderson* (005) Jefferson (111) - MSA 31140 Ballard* (007) Jessamine (113) - MSA 30460 Barren (009) Johnson* (115) Bath* (011) Kenton (117) - MSA 17140 Bell (013) Knott* (119) Boone (015) - MSA 17140 Knox (121) Bourbon* (017) - MSA 30460 Larue* (123) - MSA 21060 Boyd (019) - MSA 26580 Laurel (125) Boyle* (021) Lawrence* (127) Bracken* (023) - MSA 17140 Lee* (129) Breathitt* (025) Leslie* (131) Breckinridge* (027) Letcher* (133) Bullitt (029) - MSA 31140 Lewis* (135) Butler* (031) Lincoln* (137) Caldwell* (033) Livingston* (139) Calloway (035) Logan* (141) Campbell (037) - MSA 17140 Lyon* (143) Carlisle* (039) McCracken (145) Carroll* (041) McCreary* (147) Carter* (043) McLean* (149) - MSA 36980 Casey* (045) Madison (151) Christian (047) - MSA 17300 Magoffin* (153) Clark (049) - MSA 30460 Marion* (155) Clay* (051) Marshall (157) Clinton* (053) Martin* (159) Crittenden* (055) Mason* (161) Cumberland* (057) Meade* (163) - MSA 31140 Daviess (059) - MSA 36980 Menifee* (165) Edmonson* (061) - MSA 14540 Mercer* (167) Elliott* (063) Metcalfe* (169) Estill* (065) Monroe* (171)

F-11 Appendix F Montgomery* (173) East Carroll* (035) State and County Morgan* (175) East Feliciana* (037) - MSA 12940 Codes and MSA/MD Muhlenberg (177) Evangeline (039) Numbers Nelson (179) - MSA 31140 Franklin* (041) Nicholas* (181) Grant* (043) - MSA 10780 Ohio* (183) Iberia (045) Oldham (185) - MSA 31140 Iberville (047) - MSA 12940 Owen* (187) Jackson* (049) Owsley* (189) Jefferson (051) - MSA 35380 Pendleton* (191) - MSA 17140 Jefferson Davis (053) Perry* (193) Lafayette (055) - MSA 29180 Pike (195) Lafourche (057) - MSA 26380 Powell* (197) La Salle* (059) Pulaski (199) Lincoln (061) Robertson* (201) Livingston (063) - MSA 12940 Rockcastle* (203) Madison* (065) Rowan* (205) Morehouse (067) Russell* (207) Natchitoches (069) Scott (209) - MSA 30460 Orleans (071) - MSA 35380 Shelby (211) - MSA 31140 Ouachita (073) - MSA 33740 Simpson* (213) Plaquemines* (075) - MSA 35380 Spencer* (215) - MSA 31140 Pointe Coupee* (077) - MSA 12940 Taylor* (217) Todd* (219) Rapides (079) - MSA 10780 Trigg* (221) - MSA 17300 Red River* (081) Trimble* (223) - MSA 31140 Richland* (083) Union* (225) Sabine* (085) Warren (227) - MSA 14540 St. Bernard (087) - MSA 35380 Washington* (229) St. Charles (089) - MSA 35380 Wayne* (231) St. Helena* (091) - MSA 12940 Webster* (233) - MSA 21780 St. James* (093) Whitley (235) St. John the Baptist (095) - MSA 35380 Wolfe* (237) St. Landry (097) Woodford* (239) - MSA 30460 St. Martin (099) - MSA 29180 St. Mary (101) Louisiana (22) St. Tammany (103) - MSA 35380 Acadia (001) Tangipahoa (105) Allen* (003) Tensas* (107) Ascension (005) - MSA 12940 Terrebonne (109) - MSA 26380 Assumption* (007) Union* (111) - MSA 33740 Avoyelles (009) Vermilion (113) Beauregard (011) Vernon (115) Bienville* (013) Washington (117) Bossier (015) - MSA 43340 Webster (119) Caddo (017) - MSA 43340 West Baton Rouge* (121) - MSA 12940 Calcasieu (019) - MSA 29340 West Carroll* (123) Caldwell* (021) West Feliciana* (125) - MSA 12940 Cameron* (023) - MSA 29340 Winn* (127) Catahoula* (025) Claiborne* (027) Maine (23) Concordia* (029) Androscoggin (001) - MSA 30340 De Soto* (031) - MSA 43340 Aroostook (003) East Baton Rouge (033) - MSA 12940 Cumberland (005) - MSA 38860

F-12 Franklin* (007) Suffolk (025) - MD 14484 Hancock (009) Worcester (027) - MSA 49340 Kennebec (011) Knox (013) Michigan (26) Lincoln (015) Alcona* (001) Oxford (017) Alger* (003) Penobscot (019) - MSA 12620 Allegan (005) Piscataquis* (021) Alpena (007) Sagadahoc (023) - MSA 38860 Antrim* (009) Somerset (025) Arenac* (011) Waldo (027) Baraga* (013) Washington (029) Barry (015) - MSA 24340 York (031) - MSA 38860 Bay (017) - MSA 13020 Benzie* (019) Maryland (24) Berrien (021) - MSA 35660 Allegany (001) - MSA 19060 Branch (023) Anne Arundel (003) - MSA 12580 Calhoun (025) - MSA 12980 Baltimore (005) - MSA 12580 Cass (027) - MSA 43780 Baltimore (city) (510) - MSA 12580 Charlevoix* (029) Calvert (009) - MD 47894 Cheboygan* (031) Caroline* (011) Chippewa (033) Carroll (013) - MSA 12580 Clare (035) Cecil (015) - MD 48864 Clinton (037) - MSA 29620 Charles (017) - MD 47894 Crawford* (039) Dorchester (019) Delta (041) Frederick (021) - MD 13644 Dickinson* (043) Garrett* (023) Eaton (045) - MSA 29620 Harford (025) - MSA 12580 Emmet (047) Howard (027) - MSA 12580 Genesee (049) - MSA 22420 Kent* (029) Gladwin* (051) Montgomery (031) - MD 13644 Gogebic* (053) Prince George’s (033) - MD 47894 Grand Traverse (055) Queen Anne’s (035) - MSA 12580 Gratiot (057) St. Mary’s (037) Hillsdale (059) Somerset* (039) - MSA 41540 Houghton (061) Talbot (041) Huron (063) Washington (043) - MSA 25180 Ingham (065) - MSA 29620 Wicomico (045) - MSA 41540 Ionia (067) - MSA 24340 Worcester (047) Iosco* (069) Iron* (071) Massachusetts (25) Isabella (073) Barnstable (001) - MSA 12700 Jackson (075) - MSA 27100 Berkshire (003) - MSA 38340 Kalamazoo (077) - MSA 28020 Bristol (005) - MSA 39300 Kalkaska* (079) Dukes* (007) Kent (081) - MSA 24340 Essex (009) - MD 37764 Keweenaw* (083) Franklin (011) - MSA 44140 Lake* (085) Hampden (013) - MSA 44140 Lapeer (087) - MD 47644 Hampshire (015) - MSA 44140 Leelanau* (089) Middlesex (017) - MD 15764 Lenawee (091) Nantucket* (019) Livingston (093) - MD 47644 Norfolk (021) - MD 14484 Luce* (095) Plymouth (023) - MD 14484 Mackinac* (097)

F-13 Appendix F Macomb (099) - MD 47644 Crow Wing (035) State and County Manistee* (101) Dakota (037) - MSA 33460 Codes and MSA/MD Marquette (103) Dodge* (039) - MSA 40340 Numbers Mason* (105) Douglas (041) Mecosta (107) Faribault* (043) Menominee* (109) Fillmore* (045) Midland (111) Freeborn (047) Missaukee* (113) Goodhue (049) Monroe (115) - MSA 33780 Grant* (051) Montcalm (117) Hennepin (053) - MSA 33460 Montmorency* (119) Houston* (055) - MSA 29100 Muskegon (121) - MSA 34740 Hubbard* (057) Newaygo (123) - MSA 24340 Isanti (059) - MSA 33460 Oakland (125) - MD 47644 Itasca (061) Oceana* (127) Jackson* (063) Ogemaw* (129) Kanabec* (065) Ontonagon* (131) Kandiyohi (067) Osceola* (133) Kittson* (069) Oscoda* (135) Koochiching* (071) Otsego* (137) Lac qui* (073) Ottawa (139) - MSA 26100 Lake* (075) Presque Isle* (141) Lake of the Woods* (077) Roscommon* (143) Le Sueur* (079) Saginaw (145) - MSA 40980 Lincoln* (081) St. Clair (147) - MD 47644 Lyon* (083) St. Joseph (149) McLeod (085) Sanilac (151) Mahnomen* (087) Schoolcraft* (153) Marshall* (089) Shiawassee (155) Martin* (091) Tuscola (157) Meeker* (093) Van Buren (159) - MSA 28020 Mille Lacs* (095) Washtenaw (161) - MSA 11460 Morrison (097) Wayne (163) - MD 19804 Mower (099) Wexford (165) Murray* (101) Nicollet* (103) Minnesota (27) Nobles* (105) Aitkin* (001) Norman* (107) Anoka (003) - MSA 33460 Olmsted (109) - MSA 40340 Becker* (005) Otter Tail (111) Beltrami (007) Pennington* (113) Benton (009) - MSA 41060 Pine* (115) Big Stone* (011) Pipestone* (117) Blue Earth (013) Polk (119) - MSA 24220 Brown* (015) Pope* (121) Carlton (017) - MSA 20260 Ramsey (123) - MSA 33460 Carver (019) - MSA 33460 Red Lake* (125) Cass* (021) Redwood* (127) Chippewa* (023) Renville* (129) Chisago (025) - MSA 33460 Rice (131) Clay (027) - MSA 22020 Rock* (133) Clearwater* (029) Roseau* (135) Cook* (031) St. Louis (137) - MSA 20260 Cottonwood* (033) Scott (139) - MSA 33460

F-14 Sherburne (141) - MSA 33460 Kemper* (069) Sibley* (143) Lafayette (071) Stearns (145) - MSA 41060 Lamar (073) - MSA 25620 Steele (147) Lauderdale (075) Stevens* (149) Lawrence* (077) Swift* (151) Leake* (079) Todd* (153) Lee (081) Traverse* (155) Leflore (083) Wabasha* (157) - MSA 40340 Lincoln (085) Wadena* (159) Lowndes (087) Waseca* (161) Madison (089) - MSA 27140 Washington (163) - MSA 33460 Marion* (091) Watonwan* (165) Marshall (093) - MSA 32820 Wilkin* (167) Monroe (095) Winona (169) Montgomery* (097) Wright (171) - MSA 33460 Neshoba* (099) Yellow Medicine* (173) Newton* (101) Noxubee* (103) Mississippi (28) Oktibbeha (105) Adams (001) Panola (107) Alcorn (003) Pearl River (109) Amite* (005) Perry* (111) - MSA 25620 Attala* (007) Pike (113) Benton* (009) Pontotoc* (115) Bolivar (011) Prentiss* (117) Calhoun* (013) Quitman* (119) Carroll* (015) Rankin (121) - MSA 27140 Chickasaw* (017) Scott* (123) Choctaw* (019) Sharkey* (125) Claiborne* (021) Simpson* (127) - MSA 27140 Clarke* (023) Smith* (129) Clay* (025) Stone* (131) - MSA 25060 Coahoma (027) Sunflower (133) Copiah* (029) - MSA 27140 Tallahatchie* (135) Covington* (031) Tate* (137) - MSA 32820 DeSoto (033) - MSA 32820 Tippah* (139) Forrest (035) - MSA 25620 Tishomingo* (141) Franklin* (037) Tunica* (143) - MSA 32820 George* (039) - MSA 37700 Union* (145) Greene* (041) Walthall* (147) Grenada* (043) Warren (149) Hancock (045) - MSA 25060 Washington (151) Harrison (047) - MSA 25060 Wayne* (153) Hinds (049) - MSA 27140 Webster* (155) Holmes* (051) Wilkinson* (157) Humphreys* (053) Winston* (159) Issaquena* (055) Yalobusha* (161) Itawamba* (057) Yazoo* (163) Jackson (059) - MSA 37700 Jasper* (061) Missouri (29) Jefferson* (063) Adair* (001) Jefferson Davis* (065) Andrew* (003) - MSA 41140 Jones (067) Atchison* (005)

F-15 Appendix F Audrain* (007) Lincoln (113) - MSA 41180 State and County Barry (009) Linn* (115) Codes and MSA/MD Barton* (011) Livingston* (117) Numbers Bates* (013) - MSA 28140 McDonald* (119) - MSA 22220 Benton* (015) Macon* (121) Bollinger* (017) Madison* (123) Boone (019) - MSA 17860 Maries* (125) Buchanan (021) - MSA 41140 Marion* (127) Butler (023) Mercer* (129) Caldwell* (025) - MSA 28140 Miller* (131) Callaway (027) - MSA 27620 Mississippi* (133) Camden (029) Moniteau* (135) - MSA 27620 Cape Girardeau (031) Monroe* (137) Carroll* (033) Montgomery* (139) Carter* (035) Morgan* (141) Cass (037) - MSA 28140 New Madrid* (143) Cedar* (039) Newton (145) - MSA 27900 Chariton* (041) Nodaway* (147) Christian (043) - MSA 44180 Oregon* (149) Clark* (045) Osage* (151) - MSA 27620 Clay (047) - MSA 28140 Ozark* (153) Clinton* (049) - MSA 28140 Pemiscot* (155) Cole (051) - MSA 27620 Perry* (157) Cooper* (053) Pettis (159) Crawford* (055) Phelps (161) Dade* (057) Pike* (163) Dallas* (059) - MSA 44180 Platte (165) - MSA 28140 Daviess* (061) Polk* (167) - MSA 44180 DeKalb* (063) - MSA 41140 Pulaski (169) Dent* (065) Putnam* (171) Douglas* (067) Ralls* (173) Dunklin (069) Randolph* (175) Franklin (071) - MSA 41180 Ray* (177) - MSA 28140 Gasconade* (073) Reynolds* (179) Gentry* (075) Ripley* (181) Greene (077) - MSA 44180 St. Charles (183) - MSA 41180 Grundy* (079) St. Clair* (185) Harrison* (081) Ste. Genevieve* (186) Henry* (083) St. Francois (187) Hickory* (085) St. Louis (189) - MSA 41180 Holt* (087) St. Louis (city) (510) - MSA 41180 Howard* (089) - MSA 17860 Saline* (195) Howell (091) Schuyler* (197) Iron* (093) Scotland* (199) Jackson (095) - MSA 28140 Scott (201) Jasper (097) - MSA 27900 Shannon* (203) Jefferson (099) - MSA 41180 Shelby* (205) Johnson (101) Stoddard* (207) Knox* (103) Stone* (209) Laclede (105) Sullivan* (211) Lafayette (107) - MSA 28140 Taney (213) Lawrence (109) Texas* (215) Lewis* (111) Vernon* (217)

F-16 Warren* (219) - MSA 41180 Sheridan* (091) Washington* (221) - MSA 41180 Silver Bow (093) Wayne* (223) Stillwater* (095) Webster (225) - MSA 44180 Sweet Grass* (097) Worth* (227) Teton* (099) Wright* (229) Toole* (101) Treasure* (103) Montana (30) Valley* (105) Beaverhead* (001) Wheatland* (107) Big Horn* (003) Wibaux* (109) Blaine* (005) Yellowstone (111) - MSA 13740 Broadwater* (007) Carbon* (009) - MSA 13740 Nebraska (31) Carter* (011) Adams (001) Cascade (013) - MSA 24500 Antelope* (003) Chouteau* (015) Arthur* (005) Custer* (017) Banner* (007) Daniels* (019) Blaine* (009) Dawson* (021) Boone* (011) Deer Lodge* (023) Box Butte* (013) Fallon* (025) Boyd* (015) Fergus* (027) Brown* (017) Flathead (029) Buffalo (019) Gallatin (031) Burt* (021) Garfield* (033) Butler* (023) Glacier* (035) Cass* (025) - MSA 36540 Golden Valley* (037) Cedar* (027) Granite* (039) Chase* (029) Hill* (041) Cherry* (031) Jefferson* (043) Cheyenne* (033) Judith Basin* (045) Clay* (035) Lake* (047) Colfax* (037) Lewis and Clark (049) Cuming* (039) Liberty* (051) Custer* (041) Lincoln* (053) Dakota* (043) - MSA 43580 McCone* (055) Dawes* (045) Madison* (057) Dawson* (047) Meagher* (059) Deuel* (049) Mineral* (061) Dixon* (051) - MSA 43580 Missoula (063) - MSA 33540 Dodge (053) Musselshell* (065) Douglas (055) - MSA 36540 Park* (067) Dundy* (057) Petroleum* (069) Fillmore* (059) Phillips* (071) Franklin* (061) Pondera* (073) Frontier* (063) Powder River* (075) Furnas* (065) Powell* (077) Gage* (067) Prairie* (079) Garden* (069) Ravalli (081) Garfield* (071) Richland* (083) Gosper* (073) Roosevelt* (085) Grant* (075) Rosebud* (087) Greeley* (077) Sanders* (089) Hall (079)

F-17 Appendix F Hamilton* (081) Nevada (32) State and County Harlan* (083) Carson (city) (510) - MSA 16180 Codes and MSA/MD Hayes* (085) Churchill* (001) Numbers Hitchcock* (087) Clark (003) - MSA 29820 Holt* (089) Douglas (005) Hooker* (091) Elko (007) Howard* (093) Esmeralda* (009) Jefferson* (095) Eureka* (011) Johnson* (097) Humboldt* (013) Kearney* (099) Lander* (015) Keith* (101) Lincoln* (017) Keya Paha* (103) Lyon (019) Kimball* (105) Mineral* (021) Knox* (107) Nye (023) Lancaster (109) - MSA 30700 Pershing* (027) Lincoln (111) Storey* (029) - MSA 39900 Logan* (113) Washoe (031) - MSA 39900 Loup* (115) White Pine* (033) McPherson* (117) Madison (119) New Hampshire (33) Merrick* (121) Belknap (001) Morrill* (123) Carroll (003) Nance* (125) Cheshire (005) Nemaha* (127) Coos (007) Nuckolls* (129) Grafton (009) Otoe* (131) Hillsborough (011) - MSA 31700 Pawnee* (133) Merrimack (013) Perkins* (135) Rockingham (015) - MD 40484 Phelps* (137) Strafford (017) - MD 40484 Pierce* (139) Sullivan (019) Platte (141) Polk* (143) New Jersey (34) Red Willow* (145) Atlantic (001) - MSA 12100 Richardson* (147) Bergen (003) - MD 35644 Rock* (149) Burlington (005) - MD 15804 Saline* (151) Camden (007) - MD 15804 Sarpy (153) - MSA 36540 Cape May (009) - MSA 36140 Saunders* (155) - MSA 36540 Cumberland (011) - MSA 47220 Scotts Bluff (157) Essex (013) - MD 35084 Seward* (159) - MSA 30700 Gloucester (015) - MD 15804 Sheridan* (161) Hudson (017) - MD 35644 Sherman* (163) Hunterdon (019) - MD 35084 Sioux* (165) Mercer (021) - MSA 45940 Stanton* (167) Middlesex (023) - MD 20764 Thayer* (169) Monmouth (025) - MD 20764 Thomas* (171) Morris (027) - MD 35084 Thurston* (173) Ocean (029) - MD 20764 Valley* (175) Passaic (031) - MD 35644 Washington* (177) - MSA 36540 Salem (033) - MD 48864 Wayne* (179) Somerset (035) - MD 20764 Webster* (181) Sussex (037) - MD 35084 Wheeler* (183) Union (039) - MD 35084 York* (185) Warren (041) - MSA 10900

F-18 New Mexico (35) Fulton (035) Bernalillo (001) - MSA 10740 Genesee (037) Catron* (003) Greene (039) Chaves (005) Hamilton* (041) Cibola* (006) Herkimer (043) - MSA 46540 Colfax* (007) Jefferson (045) Curry (009) Kings (047) - MD 35644 DeBaca* (011) Lewis* (049) Dona Ana (013) - MSA 29740 Livingston (051) - MSA 40380 Eddy (015) Madison (053) - MSA 45060 Grant (017) Monroe (055) - MSA 40380 Guadalupe* (019) Montgomery (057) Harding* (021) Nassau (059) - MD 35004 Hidalgo* (023) New York (061) - MD 35644 Lea (025) Niagara (063) - MSA 15380 Lincoln* (027) Oneida (065) - MSA 46540 Los Alamos* (028) Onondaga (067) - MSA 45060 Luna* (029) Ontario (069) - MSA 40380 McKinley (031) Orange (071) - MSA 39100 Mora* (033) Orleans (073) - MSA 40380 Otero (035) Oswego (075) - MSA 45060 Quay* (037) Otsego (077) Rio Arriba (039) Putnam (079) - MD 35644 Roosevelt* (041) Queens (081) - MD 35644 Sandoval (043) - MSA 10740 Rensselaer (083) - MSA 10580 San Juan (045) - MSA 22140 Richmond (085) - MD 35644 San Miguel (047) Rockland (087) - MD 35644 Santa Fe (049) - MSA 42140 St. Lawrence (089) Sierra* (051) Saratoga (091) - MSA 10580 Socorro* (053) Schenectady (093) - MSA 10580 Taos* (055) Schoharie (095) - MSA 10580 Torrance* (057) - MSA 10740 Schuyler* (097) Union* (059) Seneca (099) Valencia (061) - MSA 10740 Steuben (101) Suffolk (103) - MD 35004 New York (36) Sullivan (105) Albany (001) - MSA 10580 Tioga (107) - MSA 13780 Allegany (003) Tompkins (109) - MSA 27060 Bronx (005) - MD 35644 Ulster (111) - MSA 28740 Broome (007) - MSA 13780 Warren (113) - MSA 24020 Cattaraugus (009) Washington (115) - MSA 24020 Cayuga (011) Wayne (117) - MSA 40380 Chautauqua (013) Westchester (119) - MD 35644 Chemung (015) - MSA 21300 Wyoming (121) Chenango (017) Yates* (123) Clinton (019) Columbia (021) North Carolina (37) Cortland (023) Alamance (001) - MSA 15500 Delaware (025) Alexander (003) - MSA 25860 Dutchess (027) - MSA 39100 Alleghany* (005) Erie (029) - MSA 15380 Anson* (007) - MSA 16740 Essex (031) Ashe* (009) Franklin (033) Avery* (011)

F-19 Appendix F Beaufort (013) Mecklenburg (119) - MSA 16740 State and County Bertie* (015) Mitchell* (121) Codes and MSA/MD Bladen (017) Montgomery* (123) Numbers Brunswick (019) - MSA 48900 Moore (125) Buncombe (021) - MSA 11700 Nash (127) - MSA 40580 Burke (023) - MSA 25860 New Hanover (129) - MSA 48900 Cabarrus (025) - MSA 16740 Northampton* (131) Caldwell (027) - MSA 25860 Onslow (133) - MSA 27340 Camden* (029) Orange (135) - MSA 20500 Carteret (031) Pamlico* (137) Caswell* (033) Pasquotank (139) Catawba (035) - MSA 25860 Pender (141) - MSA 48900 Chatham (037) - MSA 20500 Perquimans* (143) Cherokee* (039) Person (145) - MSA 20500 Chowan* (041) Pitt (147) - MSA 24780 Clay* (043) Polk* (149) Cleveland (045) Randolph (151) - MSA 24660 Columbus (047) Richmond (153) Craven (049) Robeson (155) Cumberland (051) - MSA 22180 Rockingham (157) - MSA 24660 Currituck* (053) - MSA 47260 Rowan (159) Dare* (055) Rutherford (161) Davidson (057) Sampson (163) Davie (059) - MSA 49180 Scotland (165) Duplin (061) Stanly (167) Durham (063) - MSA 20500 Stokes (169) - MSA 49180 Edgecombe (065) - MSA 40580 Surry (171) Forsyth (067) - MSA 49180 Swain* (173) Franklin (069) - MSA 39580 Transylvania* (175) Gaston (071) - MSA 16740 Tyrrell* (177) Gates* (073) Union (179) - MSA 16740 Graham* (075) Vance (181) Granville (077) Wake (183) - MSA 39580 Greene* (079) - MSA 24780 Warren* (185) Guilford (081) - MSA 24660 Washington* (187) Halifax (083) Watauga (189) Harnett (085) Wayne (191) - MSA 24140 Haywood (087) - MSA 11700 Wilkes (193) Henderson (089) - MSA 11700 Wilson (195) Hertford* (091) Yadkin (197) - MSA 49180 Hoke (093) - MSA 22180 Yancey* (199) Hyde* (095) Iredell (097) North Dakota (38) Jackson (099) Adams* (001) Johnston (101) - MSA 39580 Barnes* (003) Jones* (103) Benson* (005) Lee (105) Billings* (007) Lenoir (107) Bottineau* (009) Lincoln (109) Bowman* (011) McDowell (111) Burke* (013) Macon* (113) Burleigh (015) - MSA 13900 Madison* (115) - MSA 11700 Cass (017) - MSA 22020 Martin* (117) Cavalier* (019)

F-20 Dickey* (021) Butler (017) - MSA 17140 Divide* (023) Carroll* (019) - MSA 15940 Dunn* (025) Champaign (021) Eddy* (027) Clark (023) - MSA 44220 Emmons* (029) Clermont (025) - MSA 17140 Foster* (031) Clinton (027) Golden Valley* (033) Columbiana (029) Grand Forks (035) - MSA 24220 Coshocton (031) Grant* (037) Crawford (033) Griggs* (039) Cuyahoga (035) - MSA 17460 Hettinger* (041) Darke (037) Kidder* (043) Defiance (039) LaMoure* (045) Delaware (041) - MSA 18140 Logan* (047) Erie (043) - MSA 41780 McHenry* (049) Fairfield (045) - MSA 18140 McIntosh* (051) Fayette* (047) McKenzie* (053) Franklin (049) - MSA 18140 McLean* (055) Fulton (051) - MSA 45780 Mercer* (057) Gallia (053) Morton* (059) - MSA 13900 Geauga (055) - MSA 17460 Mountrail* (061) Greene (057) - MSA 19380 Nelson* (063) Guernsey (059) Oliver* (065) Hamilton (061) - MSA 17140 Pembina* (067) Hancock (063) Pierce* (069) Hardin (065) Ramsey* (071) Harrison* (067) Ransom* (073) Henry* (069) Renville* (075) Highland (071) Richland* (077) Hocking* (073) Rolette* (079) Holmes (075) Sargent* (081) Huron (077) Sheridan* (083) Jackson (079) Sioux* (085) Jefferson (081) - MSA 48260 Slope* (087) Knox (083) Stark* (089) Lake (085) - MSA 17460 Steele* (091) Lawrence (087) - MSA 26580 Stutsman* (093) Licking (089) - MSA 18140 Towner* (095) Logan (091) Traill* (097) Lorain (093) - MSA 17460 Walsh* (099) Lucas (095) - MSA 45780 Ward (101) Madison (097) - MSA 18140 Wells* (103) Mahoning (099) - MSA 49660 Williams* (105) Marion (101) Medina (103) - MSA 17460 Ohio (39)(39)Ohio Meigs* (105) Adams* (001) Mercer (107) Allen (003) - MSA 30620 Miami (109) - MSA 19380 Ashland (005) Monroe* (111) Ashtabula (007) Montgomery (113) - MSA 19380 Athens (009) Morgan* (115) Auglaize (011) Morrow (117) - MSA 18140 Belmont (013) - MSA 48540 Muskingum (119) Brown (015) - MSA 17140 Noble* (121)

F-21 Appendix F Ottawa (123) - MSA 45780 Garvin* (049) State and County Paulding* (125) Grady (051) - MSA 36420 Codes and MSA/MD Perry (127) Grant* (053) Numbers Pickaway (129) - MSA 18140 Greer* (055) Pike* (131) Harmon* (057) Portage (133) - MSA 10420 Harper* (059) Preble (135) - MSA 19380 Haskell* (061) Putnam (137) Hughes* (063) Richland (139) - MSA 31900 Jackson* (065) Ross (141) Jefferson* (067) Sandusky (143) Johnston* (069) Scioto (145) Kay (071) Seneca (147) Kingfisher* (073) Shelby (149) Kiowa* (075) Stark (151) - MSA 15940 Latimer* (077) Summit (153) - MSA 10420 Le Flore (079) - MSA 22900 Trumbull (155) - MSA 49660 Lincoln (081) - MSA 36420 Tuscarawas (157) Logan (083) - MSA 36420 Union (159) - MSA 18140 Love* (085) Van Wert* (161) McClain* (087) - MSA 36420 Vinton* (163) McCurtain (089) Warren (165) - MSA 17140 McIntosh* (091) Washington (167) - MSA 37620 Major* (093) Wayne (169) Marshall* (095) Williams (171) Mayes (097) Wood (173) - MSA 45780 Murray* (099) Wyandot* (175) Muskogee (101) Noble* (103) Oklahoma (40) Nowata* (105) Adair* (001) Okfuskee* (107) Alfalfa* (003) Oklahoma (109) - MSA 36420 Atoka* (005) Okmulgee (111) - MSA 46140 Beaver* (007) Osage (113) - MSA 46140 Beckham* (009) Ottawa (115) Blaine* (011) Pawnee* (117) - MSA 46140 Bryan (013) Payne (119) Caddo (015) Pittsburg (121) Canadian (017) - MSA 36420 Pontotoc (123) Carter (019) Pottawatomie (125) Cherokee (021) Pushmataha* (127) Choctaw* (023) Roger Mills* (129) Cimarron* (025) Rogers (131) - MSA 46140 Cleveland (027) - MSA 36420 Seminole* (133) Coal* (029) Sequoyah (135) - MSA 22900 Comanche (031) - MSA 30020 Stephens (137) Cotton* (033) Texas* (139) Craig* (035) Tillman* (141) Creek (037) - MSA 46140 Tulsa (143) - MSA 46140 Custer* (039) Wagoner (145) - MSA 46140 Delaware (041) Washington (147) Dewey* (043) Washita* (149) Ellis* (045) Woods* (151) Garfield (047) Woodward* (153)

F-22 Oregon (41) Chester (029) - MD 37964 Baker* (001) Clarion (031) Benton (003) - MSA 18700 Clearfield (033) Clackamas (005) - MSA 38900 Clinton (035) Clatsop (007) Columbia (037) Columbia (009) - MSA 38900 Crawford (039) Coos (011) Cumberland (041) - MSA 25420 Crook* (013) Dauphin (043) - MSA 25420 Curry* (015) Delaware (045) - MD 37964 Deschutes (017) - MSA 13460 Elk (047) Douglas (019) Erie (049) - MSA 21500 Gilliam* (021) Fayette (051) - MSA 38300 Grant* (023) Forest* (053) Harney* (025) Franklin (055) Hood River* (027) Fulton* (057) Jackson (029) - MSA 32780 Greene (059) Jefferson* (031) Huntingdon (061) Josephine (033) Indiana (063) Klamath (035) Jefferson (065) Lake* (037) Juniata* (067) Lane (039) - MSA 21660 Lackawanna (069) - MSA 42540 Lincoln (041) Lancaster (071) - MSA 29540 Linn (043) Lawrence (073) Malheur (045) Lebanon (075) - MSA 30140 Marion (047) - MSA 41420 Lehigh (077) - MSA 10900 Morrow* (049) Luzerne (079) - MSA 42540 Multnomah (051) - MSA 38900 Lycoming (081) - MSA 48700 Polk (053) - MSA 41420 McKean (083) Sherman* (055) Mercer (085) - MSA 49660 Tillamook* (057) Mifflin (087) Umatilla (059) Monroe (089) Union* (061) Montgomery (091) - MD 37964 Wallowa* (063) Montour* (093) Wasco* (065) Northampton (095) - MSA 10900 Washington (067) - MSA 38900 Northumberland (097) Wheeler* (069) Perry (099) - MSA 25420 Yamhill (071) - MSA 38900 Philadelphia (101) - MD 37964 Pike (103) - MD 35084 Pennsylvania (42) Potter* (105) Adams (001) Schuylkill (107) Allegheny (003) - MSA 38300 Snyder (109) Armstrong (005) - MSA 38300 Somerset (111) Beaver (007) - MSA 38300 Sullivan* (113) Bedford (009) Susquehanna (115) Berks (011) - MSA 39740 Tioga (117) Blair (013) - MSA 11020 Union (119) Bradford (015) Venango (121) Bucks (017) - MD 37964 Warren (123) Butler (019) - MSA 38300 Washington (125) - MSA 38300 Cambria (021) - MSA 27780 Wayne (127) Cameron* (023) Westmoreland (129) - MSA 38300 Carbon (025) - MSA 10900 Wyoming* (131) - MSA 42540 Centre (027) - MSA 44300 York (133) - MSA 49620

F-23 Appendix F Rhode Island (44) York (091) - MSA 16740 State and County Bristol (001) - MSA 39300 Codes and MSA/MD Kent (003) - MSA 39300 South Dakota (46) Numbers Newport (005) - MSA 39300 Aurora* (003) Providence (007) - MSA 39300 Beadle* (005) Washington (009) - MSA 39300 Bennett* (007) Bon Homme* (009) South Carolina (45) Brookings* (011) Abbeville* (001) Brown (013) Aiken (003) - MSA 12260 Brule* (015) Allendale* (005) Buffalo* (017) Anderson (007) - MSA 11340 Butte* (019) Bamberg* (009) Campbell* (021) Barnwell* (011) Charles Mix* (023) Beaufort (013) Clark* (025) Berkeley (015) - MSA 16700 Clay* (027) Calhoun* (017) - MSA 17900 Codington* (029) Charleston (019) - MSA 16700 Corson* (031) Cherokee (021) Custer* (033) Chester (023) Davison* (035) Chesterfield (025) Day* (037) Clarendon (027) Deuel* (039) Colleton (029) Dewey* (041) Darlington (031) - MSA 22500 Douglas* (043) Dillon (033) Edmunds* (045) Dorchester (035) - MSA 16700 Fall River* (047) Edgefield* (037) - MSA 12260 Faulk* (049) Fairfield* (039) - MSA 17900 Grant* (051) Florence (041) - MSA 22500 Gregory* (053) Georgetown (043) Haakon* (055) Greenville (045) - MSA 24860 Hamlin* (057) Greenwood (047) Hand* (059) Hampton* (049) Hanson* (061) Horry (051) - MSA 34820 Harding* (063) Jasper* (053) Hughes* (065) Kershaw (055) - MSA 17900 Hutchinson* (067) Lancaster (057) Hyde* (069) Laurens (059) - MSA 24860 Jackson* (071) Lee* (061) Jerauld* (073) Lexington (063) - MSA 17900 Jones* (075) McCormick* (065) Kingsbury* (077) Marion (067) Lake* (079) Marlboro* (069) Lawrence* (081) Newberry (071) Lincoln* (083) - MSA 43620 Oconee (073) Lyman* (085) Orangeburg (075) McCook* (087) - MSA 43620 Pickens (077) - MSA 24860 McPherson* (089) Richland (079) - MSA 17900 Marshall* (091) Saluda* (081) - MSA 17900 Meade* (093) - MSA 39660 Spartanburg (083) - MSA 43900 Mellette* (095) Sumter (085) - MSA 44940 Miner* (097) Union* (087) Minnehaha (099) - MSA 43620 Williamsburg (089) Moody* (101)

F-24 Pennington (103) - MSA 39660 Hardin* (071) Perkins* (105) Hawkins (073) - MSA 28700 Potter* (107) Haywood* (075) Roberts* (109) Henderson* (077) Sanborn* (111) Henry (079) Shannon* (113) Hickman* (081) - MSA 34980 Spink* (115) Houston* (083) Stanley* (117) Humphreys* (085) Sully* (119) Jackson* (087) Todd* (121) Jefferson (089) - MSA 34100 Tripp* (123) Johnson* (091) Turner* (125) - MSA 43620 Knox (093) - MSA 28940 Union* (127) - MSA 43580 Lake* (095) Walworth* (129) Lauderdale* (097) Yankton* (135) Lawrence (099) Ziebach* (137) Lewis* (101) Lincoln (103) Tennessee (47) Loudon (105) - MSA 28940 Anderson (001) - MSA 28940 McMinn (107) Bedford (003) McNairy* (109) Benton* (005) Macon* (111) - MSA 34980 Bledsoe* (007) Madison (113) - MSA 27180 Blount (009) - MSA 28940 Marion* (115) - MSA 16860 Bradley (011) - MSA 17420 Marshall* (117) Campbell (013) Maury (119) Cannon* (015) - MSA 34980 Meigs* (121) Carroll* (017) Monroe (123) Carter (019) - MSA 27740 Montgomery (125) - MSA 17300 Cheatham (021) - MSA 34980 Moore* (127) Chester* (023) - MSA 27180 Morgan* (129) Claiborne* (025) Obion (131) Clay* (027) Overton* (133) Cocke (029) Perry* (135) Coffee (031) Pickett* (137) Crockett* (033) Polk* (139) - MSA 17420 Cumberland (035) Putnam (141) Davidson (037) - MSA 34980 Rhea* (143) Decatur* (039) Roane (145) DeKalb* (041) Robertson (147) - MSA 34980 Dickson (043) - MSA 34980 Rutherford (149) - MSA 34980 Dyer (045) Scott* (151) Fayette* (047) - MSA 32820 Sequatchie* (153) - MSA 16860 Fentress* (049) Sevier (155) Franklin (051) Shelby (157) - MSA 32820 Gibson (053) Smith* (159) - MSA 34980 Giles* (055) Stewart* (161) - MSA 17300 Grainger* (057) - MSA 34100 Sullivan (163) - MSA 28700 Greene (059) Sumner (165) - MSA 34980 Grundy* (061) Tipton (167) - MSA 32820 Hamblen (063) - MSA 34100 Trousdale* (169) - MSA 34980 Hamilton (065) - MSA 16860 Unicoi* (171) - MSA 27740 Hancock* (067) Union* (173) - MSA 28940 Hardeman* (069) Van Buren* (175)

F-25 Appendix F Warren (177) Colorado* (089) State and County Washington (179) - MSA 27740 Comal (091) - MSA 41700 Codes and MSA/MD Wayne* (181) Comanche* (093) Numbers Weakley (183) Concho* (095) White* (185) Cooke (097) Williamson (187) - MSA 34980 Coryell (099) - MSA 28660 Wilson (189) - MSA 34980 Cottle* (101) Crane* (103) Texas (48) Crockett* (105) Anderson (001) Crosby* (107) - MSA 31180 Andrews* (003) Culberson* (109) Angelina (005) Dallam* (111) Aransas* (007) - MSA 18580 Dallas (113) - MD 19124 Archer* (009) - MSA 48660 Dawson* (115) Armstrong* (011) - MSA 11100 Deaf Smith* (117) Atascosa (013) - MSA 41700 Delta* (119) - MD 19124 Austin* (015) - MSA 26420 Denton (121) - MD 19124 Bailey* (017) DeWitt* (123) Bandera* (019) - MSA 41700 Dickens* (125) Bastrop (021) - MSA 12420 Dimmit* (127) Baylor* (023) Donley* (129) Bee (025) Duval* (131) Bell (027) - MSA 28660 Eastland* (133) Bexar (029) - MSA 41700 Ector (135) - MSA 36220 Blanco* (031) Edwards* (137) Borden* (033) Ellis (139) - MD 19124 Bosque* (035) El Paso (141) - MSA 21340 Bowie (037) - MSA 45500 Erath (143) Brazoria (039) - MSA 26420 Falls* (145) Brazos (041) - MSA 17780 Fannin (147) Brewster* (043) Fayette* (149) Briscoe* (045) Fisher* (151) Brooks* (047) Floyd* (153) Brown (049) Foard* (155) Burleson* (051) - MSA 17780 Fort Bend (157) - MSA 26420 Burnet (053) Franklin* (159) Caldwell (055) - MSA 12420 Freestone* (161) Calhoun* (057) - MSA 47020 Frio* (163) Callahan* (059) - MSA 10180 Gaines* (165) Cameron (061) - MSA 15180 Galveston (167) - MSA 26420 Camp* (063) Garza* (169) Carson* (065) - MSA 11100 Gillespie* (171) Cass (067) Glasscock* (173) Castro* (069) Goliad* (175) - MSA 47020 Chambers* (071) - MSA 26420 Gonzales* (177) Cherokee (073) Gray* (179) Childress* (075) Grayson (181) - MSA 43300 Clay* (077) - MSA 48660 Gregg (183) - MSA 30980 Cochran* (079) Grimes* (185) Coke* (081) Guadalupe (187) - MSA 41700 Coleman* (083) Hale (189) Collin (085) - MD 19124 Hall* (191) Collingsworth* (087) Hamilton* (193)

F-26 Hansford* (195) Loving* (301) Hardeman* (197) Lubbock (303) - MSA 31180 Hardin (199) - MSA 13140 Lynn* (305) Harris (201) - MSA 26420 McCulloch* (307) Harrison (203) McLennan (309) - MSA 47380 Hartley* (205) McMullen* (311) Haskell* (207) Madison* (313) Hays (209) - MSA 12420 Marion* (315) Hemphill* (211) Martin* (317) Henderson (213) Mason* (319) Hidalgo (215) - MSA 32580 Matagorda (321) Hill (217) Maverick (323) Hockley* (219) Medina (325) - MSA 41700 Hood (221) Menard* (327) Hopkins (223) Midland (329) - MSA 33260 Houston* (225) Milam* (331) Howard (227) Mills* (333) Hudspeth* (229) Mitchell* (335) Hunt (231) - MD 19124 Montague* (337) Hutchinson* (233) Montgomery (339) - MSA 26420 Irion* (235) - MSA 41660 Moore* (341) Jack* (237) Morris* (343) Jackson* (239) Motley* (345) Jasper (241) Nacogdoches (347) Jeff Davis* (243) Navarro (349) Jefferson (245) - MSA 13140 Newton* (351) Jim Hogg* (247) Nolan* (353) Jim Wells (249) Nueces (355) - MSA 18580 Johnson (251) - MD 23104 Ochiltree* (357) Jones* (253) - MSA 10180 Oldham* (359) Karnes* (255) Orange (361) - MSA 13140 Kaufman (257) - MD 19124 Palo Pinto* (363) Kendall* (259) - MSA 41700 Panola* (365) Kenedy* (261) Parker (367) - MD 23104 Kent* (263) Parmer* (369) Kerr (265) Pecos* (371) Kimble* (267) Polk (373) King* (269) Potter (375) - MSA 11100 Kinney* (271) Presidio* (377) Kleberg (273) Rains* (379) Knox* (275) Randall (381) - MSA 11100 Lamar (277) Reagan* (383) Lamb* (279) Real* (385) Lampasas* (281) - MSA 28660 Red River* (387) La Salle* (283) Reeves* (389) Lavaca* (285) Refugio* (391) Lee* (287) Roberts* (393) Leon* (289) Robertson* (395) - MSA 17780 Liberty (291) - MSA 26420 Rockwall (397) - MD 19124 Limestone* (293) Runnels* (399) Lipscomb* (295) Rusk (401) - MSA 30980 Live Oak* (297) Sabine* (403) Llano* (299) San Augustine* (405)

F-27 Appendix F San Jacinto* (407) - MSA 26420 Box Elder (003) State and County San Patricio (409) - MSA 18580 Cache (005) - MSA 30860 Codes and MSA/MD San Saba* (411) Carbon* (007) Numbers Schleicher* (413) Daggett* (009) Scurry* (415) Davis (011) - MSA 36260 Shackelford* (417) Duchesne* (013) Shelby* (419) Emery* (015) Sherman* (421) Garfield* (017) Smith (423) - MSA 46340 Grand* (019) Somervell* (425) Iron (021) Starr (427) Juab* (023) - MSA 39340 Stephens* (429) Kane* (025) Sterling* (431) Millard* (027) Stonewall* (433) Morgan* (029) - MSA 36260 Sutton* (435) Piute* (031) Swisher* (437) Rich* (033) Tarrant (439) - MD 23104 Salt Lake (035) - MSA 41620 Taylor (441) - MSA 10180 San Juan* (037) Terrell* (443) Sanpete* (039) Terry* (445) Sevier* (041) Throckmorton* (447) Summit* (043) - MSA 41620 Titus* (449) Tooele (045) - MSA 41620 Tom Green (451) - MSA 41660 Uintah* (047) Travis (453) - MSA 12420 Utah (049) - MSA 39340 Trinity* (455) Wasatch* (051) Tyler* (457) Washington (053) - MSA 41100 Upshur (459) - MSA 30980 Wayne* (055) Upton* (461) Weber (057) - MSA 36260 Uvalde* (463) Val Verde (465) Vermont (50) Van Zandt (467) Addison (001) Victoria (469) - MSA 47020 Bennington (003) Walker (471) Caledonia* (005) Waller (473) - MSA 26420 Chittenden (007) - MSA 15540 Ward* (475) Essex* (009) Washington (477) Franklin (011) - MSA 15540 Webb (479) - MSA 29700 Grand Isle* (013) - MSA 15540 Wharton (481) Lamoille* (015) Wheeler* (483) Orange* (017) Wichita (485) - MSA 48660 Orleans* (019) Wilbarger* (487) Rutland (021) Willacy* (489) Washington (023) Williamson (491) - MSA 12420 Windham (025) Wilson (493) - MSA 41700 Windsor (027) Winkler* (495) Wise (497) - MD 23104 Virginia (51) Wood (499) Accomack (001) Yoakum* (501) Albemarle (003) - MSA 16820 Young* (503) Alleghany* (005) Zapata* (505) Amelia* (007) - MSA 40060 Zavala* (507) Amherst (009) - MSA 31340 Appomattox* (011) - MSA 31340 Utah (49) Arlington (013) - MD 47894 Beaver* (001) Augusta (015)

F-28 Bath* (017) New Kent* (127) - MSA 40060 Bedford (019) - MSA 31340 Northampton* (131) Bland* (021) Northumberland* (133) Botetourt (023) - MSA 40220 Nottoway* (135) Brunswick* (025) Orange* (137) Buchanan* (027) Page* (139) Buckingham* (029) Patrick* (141) Campbell (031) - MSA 31340 Pittsylvania (143) - MSA 19260 Caroline* (033) - MSA 40060 Powhatan* (145) - MSA 40060 Carroll* (035) Prince Edward* (147) Charles City* (036) - MSA 40060 Prince George (149) - MSA 40060 Charlotte* (037) Prince William (153) - MD 47894 Chesterfield (041) - MSA 40060 Pulaski (155) - MSA 13980 Clarke* (043) - MD 47894 Rappahannock* (157) Craig* (045) - MSA 40220 Richmond* (159) Culpeper (047) Roanoke (161) - MSA 40220 Cumberland* (049) - MSA 40060 Rockbridge* (163) Dickenson* (051) Rockingham (165) - MSA 25500 Dinwiddie* (053) - MSA 40060 Russell (167) Essex* (057) Scott* (169) - MSA 28700 Fairfax (059) - MD 47894 Shenandoah (171) Fauquier (061) - MD 47894 Smyth (173) Floyd* (063) Southampton* (175) Fluvanna* (065) - MSA 16820 Spotsylvania (177) - MD 47894 Franklin (067) - MSA 40220 Stafford (179) - MD 47894 Frederick (069) - MSA 49020 Surry* (181) - MSA 47260 Giles* (071) - MSA 13980 Sussex* (183) - MSA 40060 Gloucester (073) - MSA 47260 Tazewell (185) Goochland* (075) - MSA 40060 Warren (187) - MD 47894 Grayson* (077) Washington (191) - MSA 28700 Greene* (079) - MSA 16820 Westmoreland* (193) Greensville* (081) Wise (195) Halifax (083) Wythe* (197) Hanover (085) - MSA 40060 York (199) - MSA 47260 Henrico (087) - MSA 40060 Independent cities: Henry (089) Alexandria (510) - MD 47894 Highland* (091) Bedford* (515) - MSA 31340 Isle of Wight* (093) - MSA 47260 Bristol* (520) - MSA 28700 James City (095) - MSA 47260 Buena Vista* (530) King and Queen* (097) - MSA 40060 Charlottesville (540) - MSA 16820 King George* (099) Chesapeake (550) - MSA 47260 King William* (101) - MSA 40060 Colonial Heights* (570) - MSA 28700 Lancaster* (103) Covington* (580) Lee* (105) Danville (590) - MSA 19260 Loudoun (107) - MD 47894 Emporia* (595) Louisa* (109) - MSA 40060 Fairfax* (600) - MD 47894 Lunenburg* (111) Falls Church* (610) - MD 47894 Madison* (113) Franklin* (620) Mathews* (115) - MSA 47260 Fredericksburg* (630) - MD 47894 Mecklenburg (117) Galax* (640) Middlesex* (119) Hampton (650) - MSA 47260 Montgomery (121) - MSA 13980 Harrisonburg (660) - MSA 25500 Nelson* (125) - MSA 16820 Hopewell* (670) - MSA 40060

F-29 Appendix F Lexington* (678) Snohomish (061) - MD 42644 State and County Lynchburg (680) - MSA 31340 Spokane (063) - MSA 44060 Codes and MSA/MD Manassas (683) - MD 47894 Stevens (065) Numbers Manassas Park* (685) - MD 47894 Thurston (067) - MSA 36500 Martinsville* (690) Wahkiakum* (069) Newport News (700) - MSA 47260 Walla Walla (071) Norfolk (710) - MSA 47260 Whatcom (073) - MSA 13380 Norton* (720) Whitman (075) Petersburg (730) - MSA 40060 Yakima (077) - MSA 49420 Poquoson* (735) - MSA 47260 Portsmouth (740) - MSA 47260 West Virginia (54) Radford* (750) - MSA 13980 Barbour* (001) Richmond (760) - MSA 40060 Berkeley (003) - MSA 25180 Roanoke (770) - MSA 40220 Boone* (005) - MSA 16620 Salem* (775) - MSA 40220 Braxton* (007) Staunton* (790) Brooke* (009) - MSA 48260 Suffolk (800) - MSA 47260 Cabell (011) - MSA 26580 Virginia Beach (810) - MSA 47260 Calhoun* (013) Waynesboro* (820) Clay* (015) - MSA 16620 Williamsburg* (830) - MSA 47260 Doddridge* (017) Winchester* (840) - MSA 49020 Fayette (019) Gilmer* (021) Washington (53) Grant* (023) Adams* (001) Greenbrier (025) Asotin* (003) - MSA 30300 Hampshire* (027) - MSA 49020 Benton (005) - MSA 28420 Hancock (029) - MSA 48260 Chelan (007) - MSA 48300 Hardy* (031) Clallam (009) Harrison (033) Clark (011) - MSA 38900 Jackson* (035) Columbia* (013) Jefferson (037) - MD 47894 Cowlitz (015) - MSA 31020 Kanawha (039) - MSA 16620 Douglas (017) - MSA 48300 Lewis* (041) Ferry* (019) Lincoln* (043) - MSA 16620 Franklin (021) - MSA 28420 Logan (045) Garfield* (023) McDowell* (047) Grant (025) Marion (049) Grays Harbor (027) Marshall (051) - MSA 48540 Island (029) Mason* (053) Jefferson* (031) Mercer (055) King (033) - MD 42644 Mineral* (057) - MSA 19060 Kitsap (035) - MSA 14740 Mingo* (059) Kittitas (037) Monongalia (061) - MSA 34060 Klickitat* (039) Monroe* (063) Lewis (041) Morgan* (065) - MSA 25180 Lincoln* (043) Nicholas* (067) Mason (045) Ohio (069) - MSA 48540 Okanogan (047) Pendleton* (071) Pacific* (049) Pleasants* (073) - MSA 37620 Pend Oreille* (051) Pocahontas* (075) Pierce (053) - MD 45104 Preston* (077) - MSA 34060 San Juan* (055) Putnam (079) - MSA 16620 Skagit (057) - MSA 34580 Raleigh (081) Skamania* (059) - MSA 38900 Randolph* (083)

F-30 Ritchie* (085) Marquette* (077) Roane* (087) Menominee* (78) Summers* (089) Milwaukee (079) - MSA 33340 Taylor* (091) Monroe (081) Tucker* (093) Oconto (083) - MSA 24580 Tyler* (095) Oneida (085) Upshur* (097) Outagamie (087) - MSA 11540 Wayne (099) - MSA 26580 Ozaukee (089) - MSA 33340 Webster* (101) Pepin* (091) Wetzel* (103) Pierce (093) - MSA 33460 Wirt* (105) - MSA 37620 Polk (095) Wood (107) - MSA 37620 Portage (097) Wyoming* (109) Price* (099) Racine (101) - MSA 39540 Wisconsin (55) Richland* (103) Adams* (001) Rock (105) - MSA 27500 Ashland* (003) Rusk* (107) Barron (005) St. Croix (109) - MSA 33460 Bayfield* (007) Sauk (111) Brown (009) - MSA 24580 Sawyer* (113) Buffalo* (011) Shawano (115) Burnett* (013) Sheboygan (117) - MSA 43100 Calumet (015) - MSA 11540 Taylor* (119) Chippewa (017) - MSA 20740 Trempealeau* (121) Clark (019) Vernon* (123) Columbia (021) - MSA 31540 Vilas* (125) Crawford* (023) Walworth (127) Dane (025) - MSA 31540 Washburn* (129) Dodge (027) Washington (131) - MSA 33340 Door* (029) Waukesha (133) - MSA 33340 Douglas (031) - MSA 20260 Waupaca (135) Dunn (033) Waushara* (137) Eau Claire (035) - MSA 20740 Winnebago (139) - MSA 36780 Florence* (037) Wood (141) Fond du Lac (039) - MSA 22540 Forest* (041) Wyoming (56) Grant (043) Albany (001) Green (045) Big Horn* (003) Green Lake* (047) Campbell (005) Iowa* (049) - MSA 31540 Carbon* (007) Iron* (051) Converse* (009) Jackson* (053) Crook* (011) Jefferson (055) Fremont (013) Juneau* (057) Goshen* (015) Kenosha (059) - MD 29404 Hot Springs* (017) Kewaunee* (061) - MSA 24580 Johnson* (019) La Crosse (063) - MSA 29100 Laramie (021) - MSA 16940 Lafayette* (065) Lincoln* (023) Langlade* (067) Natrona (025) - MSA 16220 Lincoln* (069) Niobrara* (027) Manitowoc (071) Park* (029) Marathon (073) - MSA 48140 Platte* (031) Marinette (075) Sheridan* (033)

F-31 Appendix F Sublette* (035) Humacao (069) - MSA 41980 State and County Sweetwater (037) Isabela (071) - MSA 10380 Codes and MSA/MD Teton* (039) Jayuya* (073) Numbers Uinta* (041) Juana Díaz (075) - MSA 38660 Washakie* (043) Juncos (077) - MSA 41980 Weston* (045) Lajas* (079) - MSA 41900 Lares (081) - MSA 10380 Puerto Rico (72) Las Marias* (083) Adjuntas* (001) Las Piedras (085) - MSA 41980 Aguada (003) - MSA 10380 Loíza (087) - MSA 41980 Aguadilla (005) - MSA 10380 Luquillo* (089) - MSA 21940 Aguas Buenas* (007) - MSA 41980 Manatí (091) - MSA 41980 Aibonito* (009) - MSA 41980 Maricao* (093) Añasco* (011) - MSA 10380 Maunabo* (095) - MSA 41980 Arecibo (013) - MSA 41980 Mayagüez (097) - MSA 32420 Arroyo* (015) - MSA 25020 Moca (099) - MSA 10380 Barceloneta* (017) - MSA 41980 Morovis* (101) - MSA 41980 Barranquitas* (019) - MSA 41980 Naguabo* (103) - MSA 41980 Bayamón (021) - MSA 41980 Naranjito* (105) - MSA 41980 Cabo Rojo (023) - MSA 41900 Orocovis* (107) - MSA 41980 Caguas (025) - MSA 41980 Patillas* (109) - MSA 25020 Camuy (027) - MSA 41980 Peñuelas* (111) - MSA 49500 Canóvanas (029) - MSA 41980 Ponce (113) - MSA 38660 Carolina (031) - MSA 41980 Quebradillas* (115) - MSA 41980 Cataño (033) - MSA 41980 Rincón* (117) - MSA 10380 Cayey (035) - MSA 41980 Río Grande (119) - MSA 41980 Ceiba* (037) - MSA 21940 Sabana Grande* (121) - MSA 41900 Ciales* (039) - MSA 41980 Salinas (123) Cidra (041) - MSA 41980 San Germán (125) - MSA 41900 Coamo (043) San Juan (127) - MSA 41980 Comerío* (045) - MSA 41980 San Lorenzo (129) - MSA 41980 Corozal (047) - MSA 41980 San Sebastián (131) - MSA 10380 Culebra* (049) Santa Isabel* (133) Dorado (051) - MSA 41980 Toa Alta (135) - MSA 41980 Fajardo (053) - MSA 21940 Toa Baja (137) - MSA 41980 Florida* (054) - MSA 41980 Trujillo Alto (139) - MSA 41980 Guánica* (055) - MSA 49500 Utuado (141) Guayama (057) - MSA 25020 Vega Alta (143) - MSA 41980 Guayanilla* (059) - MSA 49500 Vega Baja (145) - MSA 41980 Guaynabo (061) - MSA 41980 Vieques* (147) Gurabo (063) - MSA 41980 Villalba* (149) - MSA 38660 Hatillo (065) - MSA 41980 Yabucoa (151) - MSA 41980 Hormigueros* (067) - MSA 32420 Yauco (153) - MSA 49500

F-32 Below are the addresses and telephone Technical Questions about Appendix G numbers for: Submission Federal Supervisory Agencies • submitting data, All institutions may direct technical • inquiring about technical aspects of questions about automated submissions data submission, and by phoning (202) 452-2016 and choos- ing the option for technical questions or • seeking guidance about compliance e-mailing [email protected]. with HMDA (see pages G-2 through G-5). Questions about Compliance Submission of Data Office of the Comptroller of You are strongly encouraged to submit the Currency your loan/application register as a valid For national banks and their subsidiaries encrypted file (hmdaencr.enc) via and federal branches and federal Internet e-mail. If you elect to use this agencies of foreign banks method of transmission and your institu- tion is regulated by the Office of the Direct compliance questions to Comptroller of the Currency, the Federal the OCC District Office serving Reserve System, the Federal Deposit your district: Insurance Corporation, the National Credit Union Administration, the Office Northeastern District—Region 1 of Thrift Supervision, or the Department 340 Madison Avenue of Housing and Urban Development, Fifth Floor then you should submit your institution’s New York, NY 10017-2613 files to the Internet e-mail address (212) 790-4000 dedicated to that purpose by the Federal FAX (212) 790-4098 Reserve Board, which can be found on Connecticut, Delaware, District of the web site of the FFIEC. Columbia, Maine, Maryland, Massachusetts, New Hampshire, New If your institution is regulated by one of Jersey, New York, Pennsylvania, Puerto the foregoing agencies and you elect to Rico, Rhode Island, Vermont submit your data by regular mail, then use the following address: Central District—Region 3 One Financial Place, Suite 2700 HMDA 440 South LaSalle Street Federal Reserve Board Chicago, IL 60605 Attention: HMDA Processing, (312) 360-8800 (insert name of your institution’s FAX (312) 435-0951 regulatory agency) Illinois, Indiana, Kentucky, th 20 & Constitution Ave, NW Michigan, Minnesota, North Dakota, MS N502 Ohio, South Dakota, Wisconsin Washington, DC 20551-0001

G-1 Appendix G Western District—Region 4 Federal 1225 17th Street Chicago Regional Office Supervisory Suite 300 500 West Monroe Street, Suite 3300 Agencies Denver, CO 80202 Chicago, IL 60661 (720) 475-7600 (312) 382-7500 FAX (720) 475-7690 FAX (312) 382-6935 Alaska, Arizona, California, Colorado, Illinois, Indiana, Kentucky, Michigan, Hawaii, Idaho, Iowa, Kansas, Missouri, Ohio, Wisconsin Montana, Nebraska, Nevada, New Mexico, Oregon, Utah, Washington, Dallas Regional Office Wyoming 1910 Pacific Avenue, 5th Floor Dallas, TX 75201-4586 (972) 761-8051 Southern District—Region 5 FAX (972) 761-2960 500 North Akard Street, Suite 1600 Dallas, TX 75201 Arkansas, Colorado, Louisiana, (214) 720-0656 Mississippi, New Mexico, Oklahoma, FAX (214) 720-7000 Tennessee, Texas Alabama, Arkansas, Florida, Georgia, Kansas City Regional Office Louisiana, Mississippi, North Carolina, 2345 Grand Avenue, Suite 1200 Oklahoma, South Carolina, Tennessee, Kansas City, MO 64108 Texas, Virginia, West Virginia (816) 234-8000 FAX (913) 451-1087 Iowa, Kansas, Minnesota, Missouri, Federal Deposit Insurance Nebraska, North Dakota, South Dakota Corporation For nonmember insured banks (except New York Regional Office for federal savings banks) and their 20 Exchange Place, 5th Floor subsidiaries, insured state branches New York, NY 10005-3270 of foreign banks that are supervised (917) 320-2570 by the FDIC, and other depository FAX (917) 320-2910 institutions Connecticut, Delaware, District of Columbia, Maine, Maryland, Direct compliance questions to Massachusetts, New Hampshire, the FDIC Regional Office serving New Jersey, New York, Pennsylvania, your region: Puerto Rico, Rhode Island, Vermont

Atlanta Regional Office San Francisco Regional Office 10 Tenth Street, N.E. 25 Jessie Street at Ecker Square, Suite 800 Suite 600 Atlanta, GA 30309-3906 San Francisco, CA 94105 (678) 916-2200 (415) 546-0160 FAX (678) 916-2230 FAX (415) 808-7918 Alabama, Florida, Georgia, North Alaska, Arizona, California, Hawaii, Carolina, South Carolina, Virginia, Idaho, Montana, Nevada, Oregon, Utah, West Virginia Washington, Wyoming

G-2 National Credit Union Region V Administration 1230 W. Washington, Suite 301 For credit unions Tempe, AZ 85281 (602) 302-6000 Direct HMDA questions to the FAX (703) 518-6678 NCUA Regional Office serving your Alaska, Arizona, California, Colorado, region: Hawaii, Idaho, Montana, Nevada, New Mexico, Oregon, Utah, Region I Washington, Wyoming 9 Washington Square Washington Avenue Extension Albany, New York 12205 Office of Thrift Supervision (518) 862-7400 For savings institutions insured under FAX (703) 518-6673 the Savings Association Insurance Connecticut, Maine, Massachusetts, Fund of the FDIC, federally-chartered Michigan, New Hampshire, New York, savings banks insured under the Bank Rhode Island, Vermont Insurance Fund of the FDIC (but not state-chartered savings banks insured Region II under the Bank Insurance Fund), their 1775 Duke Street, Suite 4206 subsidiaries, and subsidiaries of Alexandria, VA 22314-3437 savings institution holding companies (703) 519-4600 FAX (703) 519-4620 Direct compliance questions to the OTS Regional Office serving Delaware, District of Columbia, your region or: Maryland, New Jersey, Pennsylvania, Virginia, West Virginia E-mail [email protected]. In your e-mail subject line, please indicate Region III your institution’s name and its OTS 7000 Central Parkway, Suite 1600 region. Atlanta, Georgia 30328 (678) 443-3000 Northeast-Jersey City Regional Office FAX (703) 518-6675 Harborside Financial Center Plaza Five Alabama, Florida, Georgia, Indiana, Suite 1600 Kentucky, Mississippi, North Carolina, Jersey City, New Jersey 07311 Ohio, Puerto Rico, South Carolina, (201) 413-1000 Tennessee Connecticut, Delaware, Massachusetts, Region IV Maine, New Hampshire, Ohio, New 4807 Spicewood Springs Road, Jersey, New York, Pennsylvania, Rhode Suite 5200 Island, Vermont, West Virginia Austin, Texas 78759 (512) 342-5600 FAX (703) 518-6677 Arkansas, Illinois, Iowa, Kansas, Louisi- ana, Minnesota, Missouri, Nebraska, North Dakota, Oklahoma, South Dakota, Texas, Wisconsin

G-3 Appendix G Southeast-Atlanta Regional Office Direct compliance questions to: Federal 1475 Peachtree Street, N.E. Supervisory Atlanta, Georgia 30309 Federal Reserve Bank of Atlanta Agencies (404) 888-0771 1000 Peachtree Street, N.E. Atlanta, GA 30309-3904 Alabama, Florida, Georgia, Illinois, (404) 498-8500 Indiana, Kentucky, Maryland, Michigan, Alabama, Florida, Georgia, Louisiana*, North Carolina, South Carolina, Virginia, Mississippi*, Tennessee* District of Columbia, Puerto Rico Federal Reserve Bank of Boston Midwest-Dallas Regional Office 600 Atlantic Avenue 225 E. John Carpenter Freeway, Boston, MA 02106-2211 Suite 500 (617) 973-3000 Irving, Texas 75062-2326 (972) 277-9500 Connecticut*, Maine, Massachusetts, New Hampshire, Rhode Island, Arkansas, Iowa, Kansas, Louisiana, Vermont Minnesota, Missouri, Mississippi, Ne- braska, Oklahoma, Tennessee, Texas, Federal Reserve Bank of Chicago Wisconsin 230 South LaSalle Street Chicago, IL 60604-1413 West-San Francisco Regional Office (312) 322-5322 Pacific Plaza Illinois*, Indiana*, Iowa, Michigan*, P.O. Box 7165 Wisconsin* San Francisco, California 94120-7165 (650) 746-7000 Federal Reserve Bank of Cleveland 1455 East Sixth Street Alaska, Arizona, California, Colorado, Cleveland, OH 44114-2517 Hawaii, Idaho, Montana, North Dakota, (216) 579-2000 New Mexico, Nevada, Oregon, South Kentucky*, Ohio, Pennsylvania*, Dakota, Utah, Washington, Wyoming West Virginia*

Federal Reserve Bank of Dallas Federal Reserve System 2200 North Pearl Street For state member banks of the Federal Dallas, TX 75201-2272 Reserve System, their subsidiaries, (214) 922-6000 subsidiaries of bank holding companies, branches and agencies of foreign banks Louisiana*, New Mexico*, Texas (other than federal branches, federal agencies, and insured state branches of Federal Reserve Bank of Kansas City foreign banks), commercial lending 925 Grand Blvd companies owned or controlled by Kansas City, MO 64198-0001 foreign banks, and organizations operat- (816) 881-2000 ing under section 25 or 25A of the Colorado, Kansas, Missouri*, Nebraska, Federal Reserve Act New Mexico*, Oklahoma, Wyoming

*Some states are split between two districts.

G-4 Federal Reserve Bank of Minneapolis Department of Housing and 90 Hennepin Avenue Urban Development Minneapolis, MN 55401-1804 For other mortgage lending institutions (612) 204-5000 Michigan*, Minnesota, Montana, North Direct compliance questions to Dakota, South Dakota, Wisconsin* (202) 755-7500 extension 7572.

Federal Reserve Bank of New York 33 Liberty Street New York, NY 10045 (212) 720-5000 Send suggestions for Connecticut*, New Jersey*, New York, changes or additions to this Puerto Rico Guide to: Federal Reserve Bank of Philadelphia Federal Financial Institutions Ten Independence Mall Examination Council Philadelphia, PA 19106 3501 Fairfax Drive, Room 3086 (215) 574-6000 Arlington, VA 22226-3550 Delaware, New Jersey*, Pennsylvania*

Federal Reserve Bank of Richmond 701 East Byrd Street Richmond, VA 23219 (804) 697-8000 District of Columbia, Maryland, North Carolina, South Carolina, Virginia, West Virginia*

Federal Reserve Bank of St. Louis One Federal Reserve Bank Plaza Broadway and Locust St. Louis, MO 63102 (314) 444-8444 Arkansas, Indiana*, Kentucky*, Illinois*, Mississippi*, Missouri*, Tennessee*

Federal Reserve Bank of San Francisco 101 Market Street San Francisco, CA 94105 (415) 974-2000 Alaska, Arizona, California, Hawaii, Idaho, Nevada, Oregon, Utah, Washington

G-5 Regulation C requires a lending institu- the wording below. You may use an Appendix H tion to post a general notice about the enlarged copy of the following sample General Notice Poster availability of HMDA data in the lobby of notice. Insert an address at the end or, its home office and of each branch office if you make HMDA data available at located in a metropolitan area. branch offices, omit the last sentence. See page 27 of this Guide. The staff commentary effective January 1, 2004, suggests, but does not require,

HOME MORTGAGE DISCLOSURE ACT NOTICE

The HMDA data about our residential mortgage lending are available for review.The data show geographic distribution of loans and applications; ethnicity, race, sex, and income of applicants and borrowers; and information about loan approvals and denials. Inquire at this office regarding the locations where HMDA data may be inspected. To receive a copy of these data send a written request to

H-1