HMDA and Business Loans: When and What to Report

Date Recorded: March 23, 2026
Presenter: Natalie, Straus, CRCM, Director, Forvis Mazars, LLP.

A two-hour webinar that will cover HMDA requirements as they relate to business loans.

Consistently, and importantly, financial institutions struggle with complying with the Home Mortgage Disclosure Act (HMDA), as implemented by Regulation C, in the context of business loans.  It can often be challenging to determine when commercial loans trigger HMDA reporting requirements and whether a business loan constitutes a “home purchase,” “refinancing” or “home improvement transaction” or what should reported for the “application date.”

This webinar will discuss the HMDA requirements as they relate to business or commercial loans. We will discuss which transactions are subject to HMDA reporting, and which data points are relevant and not relevant (sometimes not applicable) to business loans, including the possibility of partial exemptions. The outline will include a checklist that will be helpful in summarizing and providing a quick overview of the requirements.

HERE IS WHAT YOU’LL LEARN:

In this webinar, you will learn the following:

• Transactional coverage
  • Definition of dwelling
  • Importance of understanding home purchase, home improvement, refinance
  • Potential reporting of lines of credit

• Business loans under each data point
  • Primary focus on those data points especially relevant, which ones will not apply
  • Partial exemptions