by Matt Piven | Dec 19, 2023 | blog
Let’s recap what has happened in 2023 on three different fronts: HMDA, fair lending, and CRA (the Community Reinvestment Act). I count eight important developments. These are listed in no particular order below: 1. OMB released a new MSA list in July 2023, which will...
by Matt Piven | Nov 6, 2023 | blog, HMDA
It’s now been five years since the HMDA reporting requirements were dramatically expanded in 2018, and, in my assessment, there continue to be substantial data quality concerns. In this blog, I will focus specifically on one field, the debt-to-income (DTI) ratio,...
by Matt Piven | Dec 20, 2022 | blog
Let’s recap what has happened in 2022 on three different fronts: HMDA, fair lending, and CRA (the Community Reinvestment Act). I count eight important developments. These are listed in no particular order below: 1. In 2022, the FFIEC released new census tract...
by Matt Piven | Dec 19, 2022 | blog
Let’s recap what has happened in 2022 on three different fronts: HMDA, fair lending, and CRA (the Community Reinvestment Act). I count eight important developments. These are listed in no particular order below: 1. In 2022, the FFIEC released new census tract...
by Matt Piven | Mar 28, 2022 | blog
HMDA Data Summary The total number of rows in the 2021 Modified LARs (25.96 million) and the number of originated transactions (14.89 million), while very high by historical standards, are both around two percentage points higher than the 2020 Snapshot data. What is a...
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