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Inactive Financial Institution Letters 

Home Mortgage Disclosure Act

May 15, 1998


SUBJECT: 1998 Edition of A Guide to HMDA Reporting - Getting it Right!

The Federal Financial Institutions Examination Council (FFIEC) has issued the 1998 edition of A Guide to HMDA Reporting - Getting it Right!. The Guide is a valuable resource for Home Mortgage Disclosure Act (HMDA)-reporting institutions.

The new edition of the Guide contains one important change: To comply with Year 2000 data system standards, beginning in 1998, the year of the "Date Application Received" should be entered onto the HMDA-LAR using four digits. For example, 01/31/98 should now be entered as 01/31/1998.

The new edition of the Guide also contains critical source documents as appendices, including the:

  • Federal Reserve Board's Regulation C, which implements the Home Mortgage Disclosure Act and Staff Commentary on the regulation;
  • Form and instructions for completing the HMDA Loan Application Register;
  • Asset-size exemption for depository institutions;
  • New option for making branch-office disclosures available to the public; and
  • New Metropolitan Statistical Areas (MSAs) in Arkansas and Idaho, and a change in a Tennessee MSA.

Two copies of A Guide to HMDA Reporting - Getting it Right! are enclosed for FDIC-supervised HMDA-reporting institutions only. For others interested in obtaining a copy, please call the HMDA Assistance Line on (202) 452-2016 (menu option 3). You may request that the FFIEC HMDA Data Order Form (document #001) be mailed or faxed to you. There is a $5.00 charge for the new Guide.

If you have questions concerning HMDA issues, please contact your FDIC Division of Compliance and Consumer Affairs regional office on the attached list.

Carmen J. Sullivan


  • copies of the Guide for HMDA - for reporting institutions only - not available electronically;

  • Updated Regional Offices Directory, available with this press release at

Distribution: FDIC-Supervised Banks (Commercial and Savings)

NOTE: Paper copies of FDIC financial institution letters may be obtained through the FDIC's Public Information Center, 801 17th Street, N.W., Room 100, Washington, D.C. 20434 (800-276-6003 or (703) 562-2200).

Last Updated 01/25/2006

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