Home Mortgage Disclosure Act

The purpose of this policy and procedure guide is to address the Home Mortgage Disclosure Act (HMDA), and its implementing Regulation C requirements, ensuring consistent and accurate data reporting of lending activities on the Loan Application Register (“LAR”). The policy includes specific, detailed requirements on collection, recording, reporting, record retention, and disclosure of HMDA data.


The AllRegs® Home Mortgage Disclosure Act Policy and Procedure Guide assists financial institutions in collecting, reporting, and disclosing information about their mortgage lending activity.

The Home Mortgage Disclosure Act Guide addresses the following topics:

  • Transactional coverage
  • Mergers and acquisitions
  • Data collection
  • Geocoding
  • Data recording
  • Data reporting
  • Data disclosure
  • Quality control
  • Record retention
  • Exhibits
  • Best practices


The guide features the following benefits:

  • Supports strong operational practices and preparedness
  • Explains roles and responsibilities
  • Explains what to expect and how to work with auditors
  • Provides practical guidance for managing the audit process from within
  • Features an audit tracking spreadsheet as an optional tool

Optional Services

Maintenance: Receive regular and ongoing industry updates to keep your guide within regulatory requirements.

Publishing: Publish your guide, including your company procedures, in AllRegs Online.

Contact your account manager for information regarding these optional services!

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