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Version: 2021

1. What’s in the FIG?

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The 2021 Filing Instructions Guide (FIG) is a compendium of resources to help you file annual HMDA data collected in 2021 with the Consumer Financial Protection Bureau (Bureau) in 2022. These resources are briefly described in this section and are further detailed throughout this document in individual sections.

The HMDA agencies have agreed that filing HMDA data collected in or after 2017 with the Bureau will be deemed as a submission to the appropriate Federal agency. 1

The FIG includes the following sections:   

1.1   Changes to the Submission Process for Data Collected in 2021

This section provides a summary of the changes made to the submission process for filing HMDA data collected in 2021 with the Bureau.

This section may be useful for employees in a variety of roles, for example, your institution’s:

  • Compliance Officer

  • Staff who collect, prepare, and submit HMDA data

  • HMDA technology support staff

1.2   2021 File Specifications

This section provides information including valid values, how to format your loan/application register, and how to file your HMDA data collected in 2021 with the Bureau.

This section may be useful for employees in a variety of roles, for example, your institution’s:

  • Staff who collect, prepare, and submit HMDA data

  • HMDA technology support staff

1.3   2021 Data Specifications

On October 15, 2015, the Bureau issued a final rule (2015 HMDA Final Rule) amending Regulation C. In August 2017, the Bureau issued a final rule amending the 2015 HMDA Rule primarily to make technical corrections and clarify amendments (2017 HMDA Final Rule). In August 2018, the Bureau issued an interpretive and procedural rule (2018 HMDA Rule) to implement and clarify the amendments to HMDA made by section 104(a) of the Economic Growth, Regulatory Relief, and Consumer Protection Act (the Act). Beginning with data collected in 2018, HMDA filers should report the data points described in the 2015 HMDA Final Rule and the 2017 HMDA Final Rule, as modified by the 2018 HMDA Rule for insured depository institutions and insured credit unions reporting transactions covered by a partial exemption.

This section provides instructions for what to enter into each data field in the loan/application register.

This section may be useful for employees in a variety of roles, for example, your institution’s:

  • Compliance officer

  • Staff who collect, prepare, and submit HMDA data

1.4   2021 Edit Specifications

This section lists the edits that financial institutions must run on HMDA data before filing with the Bureau.

This section may be useful for employees in a variety of roles, for example, your institution’s:

  • Staff who collect, prepare, and submit HMDA data

Footnotes

  1. The HMDA agencies are the member agencies of the Federal Financial Institutions Examination Council (FFIEC)—the Consumer Financial Protection Bureau, the Office of the Comptroller of the Currency (OCC), the Federal Deposit Insurance Corporation (FDIC), the Board of Governors of the Federal Reserve System (Board), and the National Credit Union Administration (NCUA), and the Department of Housing and Urban Development (HUD).

ffiec.cfpb.gov

An official website of the CFPB's HMDA  v3.0.9

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