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SKU: SWHCR Category:

Date Recorded: January 27, 2020

Presenter: Anetria Cohen, Vice President and Senior Consultant, FORVIS

A two-hour webinar discussing which transactions are subject to reporting and which transactions may qualify for the partial exemptions.

A crucial aspect of complying with the Home Mortgage Disclosure Act/Regulation C is understanding which loans are reportable. In order to understand this, we need to understand the coverage rules, definitions, and the exemptions, including the threshold requirements. Examiners expect us to be reporting what we’re required to report – no more and no less. If we’re mistaking which loans we report, then our Loan/Application Register is going inaccurately represent our loan transactions.

We see thresholds also being used in the context of data reporting – the partial exemptions. Depending on how many transactions an institution originates, it may not be required to report certain information about the transaction. It is important to understand how these thresholds are similar, but also different, from the coverage thresholds.

This webinar will discuss the coverage of HMDA. We’ll also the impact of the Consumer Financial Protection Bureau’s recent rules regarding coverage.


  • Which Institutions are required to report (institutional coverage)
  • Which transactions are required to report (transaction coverage)
    • Definition of dwelling, including mixed-use properties
    • Closed-end mortgage loans versus open-end lines of credit
    • Exemptions, including the temporary financing, business purpose, and threshold exemptions.
  • Which transactions will qualify for the partial exemptions and what this means
  • Examples
  • CFPS’s proposed/final rule to revise the thresholds
Who Should Listen

This webinar is designed for all HMDA reporters (depository and non-depository institutions) and those institutions that will be new reporters. Appropriate staff to attend would include loan officers, compliance officers, loan processors, loan administration, loan review and internal audit personnel.

Program Level: Basic

Prerequisite/Advanced Preparation: Basic Knowledge of Lending Regulations

Field of Study: Specialized Knowledge

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Any recording, transmission, retransmission, or republishing of any portion of this webinar is prohibited.

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