source:
  type: regulation
  id: hmda-12cfr-1003.4
  authority: 12 CFR §1003.4 — Compilation of reportable data (HMDA / Regulation C)
  description: 'Regulation C §1003.4 specifies what data a financial institution

    must collect for each application, originated covered loan, and

    purchased covered loan — including the 38-field LAR data points,

    the (b) ethnicity / race / sex / age / income collection rule,

    the (e) CRA-overlay reporting rule, and the (f) 30-day quarterly

    recording requirement.

    '
obligations:
- id: hmda-12cfr-1003.4-a
  canonical_id: hmda-12cfr-1003.4-a
  section: 12 CFR §1003.4(a)
  description: '(a): (a) Data format and itemization. A financial institution shall collect data regarding
    applications for covered loans that it receives, covered loans that it originates, and covered loans
    that it purchases for each calendar year. A financial institution shall collect data regarding requests
    under a p…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: '(a) Data format and itemization. A financial institution shall collect data regarding
      applications for covered loans that it receives, covered loans that it originates, and covered loans
      that it purchases for each calendar year. A financial institution shall collect data regarding requests
      under a preapproval program, as defined in § 1003.2(b)(2) , only if the preapproval request is denied,
      is approved by the financial institution but not accepted by the applicant, or results in the origination
      of a home purchase loan . Except as provided in § 1003.3(d) , the data collected shall include the
      following items: (1)'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) A universal loan identifier (ULI) or, for a partially exempt transaction under
    § 1003.3(d) , either a ULI or a non-universal loan identifier (NULI) as described in § 1003.3(d)(5)
    for the covered loan or application that can be used to identify and retrieve the covered loan or
    application file. E…'
  type: dont
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: '(i) A universal loan identifier (ULI) or, for a partially exempt transaction under
      § 1003.3(d) , either a ULI or a non-universal loan identifier (NULI) as described in § 1003.3(d)(5)
      for the covered loan or application that can be used to identify and retrieve the covered loan or
      application file. Except for a purchased covered loan or application described in paragraphs (a)(1)(i)(D)
      and (E) of this section or a partially exempt transaction for which a NULI is assigned and reported
      under § 1003.3(d) , the financial institution shall assign and report a ULI that: (A) Begins with
      the financial institution ''s Legal Entity Identifier (LEI) that is issued by: (1) A utility endorsed
      by the LEI Regulatory Oversight Committee; or (2) A utility endorsed or otherwise governed by the
      Global LEI Foundation (GLEIF) (or any successor of the GLEIF) after the GLEIF assumes operational
      governance of the global LEI system. (B) Follows the LEI with up to 23 additional characters to
      identify the covered loan or application , which: (1) May be letters, numerals, or a combination
      of letters and numerals; (2) Must be unique within the financial institution ; and (3) Must not
      include any information that could be used to directly identify the applicant or borrower; and (C)
      Ends with a two-character check digit, as prescribed in appendix C to this part. (D) For a purchased
      covered loan that any financial institution has previously assigned or reported with a ULI under
      this part, the financial institution that purchases the covered loan must use the ULI that was assigned
      or previously reported for the covered loan . (E) For an application that was previously reported
      with a ULI under this part and that results in an origination during the same calendar year that
      is reported in a subsequent reporting period pursuant to § 1003.5(a)(1)(ii) , the financial institution
      may report the same ULI for the origination that was previously reported for the application . (ii)
      Except for purchased covered loans, the date the application was received or the date shown on the
      application form. (2) Whether the covered loan is, or in the case of an application would have been,
      insured by the Federal Housing Administration, guaranteed by the Department of Veterans Affairs
      , or guaranteed by the Rural Housing Service or the Farm Service Agency . (3) Whether the covered
      loan is, or the application is for, a home purchase loan , a home improvement loan , a refinancing
      , a cash-out refinancing , or for a purpose other than home purchase, home improvement, refinancing
      , or cash-out refinancing . (4) Whether the application or covered loan involved a request for a
      preapproval of a home purchase loan under a preapproval program. (5) Whether the construction method
      for the dwelling related to the property identified in paragraph (a)(9) of this section is site-built
      or a manufactured home . (6) Whether the property identified in paragraph (a)(9) of this section
      is or will be used by the applicant or borrower as a principal residence, as a second residence,
      or as an investment property. (7) The amount of the covered loan or the amount applied for, as applicable.'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) For a closed-end mortgage loan , other than a purchased loan, an assumption,
    or a reverse mortgage , the amount to be repaid as disclosed on the legal obligation. For a purchased
    closed-end mortgage loan or an assumption of a closed-end mortgage loan , the unpaid principal balance
    at the time of…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: '(i) For a closed-end mortgage loan , other than a purchased loan, an assumption,
      or a reverse mortgage , the amount to be repaid as disclosed on the legal obligation. For a purchased
      closed-end mortgage loan or an assumption of a closed-end mortgage loan , the unpaid principal balance
      at the time of purchase or assumption. (ii) For an open-end line of credit , other than a reverse
      mortgage open-end line of credit , the amount of credit available to the borrower under the terms
      of the plan. (iii) For a reverse mortgage , the initial principal limit, as determined pursuant
      to section 255 of the National Housing Act ( 12 U.S.C. 1715z-20 ) and implementing regulations and
      mortgagee letters issued by the U.S. Department of Housing and Urban Development . (8) The following
      information about the financial institution ''s action:'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) The action taken by the financial institution , recorded as one of the following:
    (A) Whether a covered loan was originated or purchased; (B) Whether an application for a covered loan
    that did not result in the origination of a covered loan was approved but not accepted, denied, withdrawn
    by the…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: '(i) The action taken by the financial institution , recorded as one of the following:
      (A) Whether a covered loan was originated or purchased; (B) Whether an application for a covered
      loan that did not result in the origination of a covered loan was approved but not accepted, denied,
      withdrawn by the applicant, or closed for incompleteness; and (C) Whether a preapproval request
      that did not result in the origination of a home purchase loan was denied or approved but not accepted.
      (ii) The date of the action taken by the financial institution . (9) The following information about
      the location of the property securing the covered loan or, in the case of an application , proposed
      to secure the covered loan:'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) The property address; and (ii) If the property is located in an MSA or MD in
    which the financial institution has a home or branch office , or if the institution is subject to
    paragraph (e) of this section, the location of the property by: (A) State; (B) County; and (C) Census
    tract if the proper…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: '(i) The property address; and (ii) If the property is located in an MSA or MD in
      which the financial institution has a home or branch office , or if the institution is subject to
      paragraph (e) of this section, the location of the property by: (A) State; (B) County; and (C) Census
      tract if the property is located in a county with a population of more than 30,000 according to
      the most recent decennial census conducted by the U.S. Census Bureau. (10) The following information
      about the applicant or borrower:'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) Ethnicity, race, and sex, and whether this information was collected on the basis
    of visual observation or surname; (ii) Age; and (iii) Except for covered loans or applications for
    which the credit decision did not consider or would not have considered income, the gross annual income
    relied on i…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: (i) Ethnicity, race, and sex, and whether this information was collected on the basis
      of visual observation or surname; (ii) Age; and (iii) Except for covered loans or applications for
      which the credit decision did not consider or would not have considered income, the gross annual
      income relied on in making the credit decision or, if a credit decision was not made, the gross
      annual income relied on in processing the application . (11) The type of entity purchasing a covered
      loan that the financial institution originates or purchases and then sells within the same calendar
      year. (12)
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) For covered loans and applications that are approved but not accepted, and that
    are subject to Regulation Z, 12 CFR part 1026 , other than assumptions, purchased covered loans, and
    reverse mortgages, the difference between the covered loan ''s annual percentage rate and the average
    prime offer ra…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: (i) For covered loans and applications that are approved but not accepted, and that
      are subject to Regulation Z, 12 CFR part 1026 , other than assumptions, purchased covered loans,
      and reverse mortgages, the difference between the covered loan 's annual percentage rate and the
      average prime offer rate for a comparable transaction as of the date the interest rate is set. (ii)
      “Average prime offer rate” means an annual percentage rate that is derived from average interest
      rates and other loan pricing terms currently offered to consumers by a set of creditors for mortgage
      loans that have low-risk pricing characteristics. The Bureau publishes tables of average prime offer
      rates by transaction type at least weekly and also publishes the methodology it uses to derive these
      rates. (13) For covered loans subject to the Home Ownership and Equity Protection Act of 1994 ,
      as implemented in Regulation Z, 12 CFR 1026.32 , whether the covered loan is a high-cost mortgage
      under Regulation Z, 12 CFR 1026.32 (a). (14) The lien status (first or subordinate lien) of the
      property identified under paragraph (a)(9) of this section. (15)
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) Except for purchased covered loans, the credit score or scores relied on in making
    the credit decision and the name and version of the scoring model used to generate each credit score.
    (ii) For purposes of this paragraph (a)(15), “credit score” has the meaning set forth in 15 U.S.C.
    1681g(f)(2)(…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: '(i) Except for purchased covered loans, the credit score or scores relied on in
      making the credit decision and the name and version of the scoring model used to generate each credit
      score. (ii) For purposes of this paragraph (a)(15), “credit score” has the meaning set forth in
      15 U.S.C. 1681g(f)(2)(A) . (16) The principal reason or reasons the financial institution denied
      the application , if applicable. (17) For covered loans subject to Regulation Z, 12 CFR 1026.43
      (c), the following information:'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) If a disclosure is provided for the covered loan pursuant to Regulation Z, 12
    CFR 1026.19 (f), the amount of total loan costs, as disclosed pursuant to Regulation Z, 12 CFR 1026.38
    (f)(4); or (ii) If the covered loan is not subject to the disclosure requirements in Regulation Z,
    12 CFR 1026.19 (…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: '(i) If a disclosure is provided for the covered loan pursuant to Regulation Z, 12
      CFR 1026.19 (f), the amount of total loan costs, as disclosed pursuant to Regulation Z, 12 CFR 1026.38
      (f)(4); or (ii) If the covered loan is not subject to the disclosure requirements in Regulation
      Z, 12 CFR 1026.19 (f), and is not a purchased covered loan , the total points and fees charged in
      connection with the covered loan , expressed in dollars and calculated pursuant to Regulation Z,
      12 CFR 1026.32 (b)(1). (18) For covered loans subject to the disclosure requirements in Regulation
      Z, 12 CFR 1026.19 (f), the total of all itemized amounts that are designated borrower-paid at or
      before closing, as disclosed pursuant to Regulation Z, 12 CFR 1026.38 (f)(1). (19) For covered loans
      subject to the disclosure requirements in Regulation Z, 12 CFR 1026.19 (f), the points paid to the
      creditor to reduce the interest rate, expressed in dollars, as described in Regulation Z, 12 CFR
      1026.37 (f)(1)(i), and disclosed pursuant to Regulation Z, 12 CFR 1026.38 (f)(1). (20) For covered
      loans subject to the disclosure requirements in Regulation Z, 12 CFR 1026.19 (f), the amount of
      lender credits, as disclosed pursuant to Regulation Z, 12 CFR 1026.38 (h)(3). (21) The interest
      rate applicable to the approved application , or to the covered loan at closing or account opening.
      (22) For covered loans or applications subject to Regulation Z, 12 CFR part 1026 , other than reverse
      mortgages or purchased covered loans, the term in months of any prepayment penalty, as defined in
      Regulation Z, 12 CFR 1026.32 (b)(6)(i) or (ii), as applicable. (23) Except for purchased covered
      loans, the ratio of the applicant''s or borrower''s total monthly debt to the total monthly income
      relied on in making the credit decision. (24) Except for purchased covered loans, the ratio of the
      total amount of debt secured by the property to the value of the property relied on in making the
      credit decision. (25) The scheduled number of months after which the legal obligation will mature
      or terminate or would have matured or terminated. (26) The number of months, or proposed number
      of months in the case of an application , until the first date the interest rate may change after
      closing or account opening. (27) Whether the contractual terms include or would have included any
      of the following:'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) A balloon payment as defined in Regulation Z, 12 CFR 1026.18 (s)(5)(i); (ii)
    Interest-only payments as defined in Regulation Z, 12 CFR 1026.18 (s)(7)(iv); (iii) A contractual
    term that would cause the covered loan to be a negative amortization loan as defined in Regulation
    Z, 12 CFR 1026.18 (s)(…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: '(i) A balloon payment as defined in Regulation Z, 12 CFR 1026.18 (s)(5)(i); (ii)
      Interest-only payments as defined in Regulation Z, 12 CFR 1026.18 (s)(7)(iv); (iii) A contractual
      term that would cause the covered loan to be a negative amortization loan as defined in Regulation
      Z, 12 CFR 1026.18 (s)(7)(v); or (iv) Any other contractual term that would allow for payments other
      than fully amortizing payments, as defined in Regulation Z, 12 CFR 1026.43 (b)(2), during the loan
      term, other than the contractual terms described in this paragraph (a)(27)(i), (ii), and (iii).
      (28) The value of the property securing the covered loan or, in the case of an application , proposed
      to secure the covered loan relied on in making the credit decision. (29) If the dwelling related
      to the property identified in paragraph (a)(9) of this section is a manufactured home and not a
      multifamily dwelling , whether the covered loan is, or in the case of an application would have
      been, secured by a manufactured home and land, or by a manufactured home and not land. (30) If the
      dwelling related to the property identified in paragraph (a)(9) of this section is a manufactured
      home and not a multifamily dwelling , whether the applicant or borrower:'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) Owns the land on which it is or will be located or, in the case of an application
    , did or would have owned the land on which it would have been located, through a direct or indirect
    ownership interest; or (ii) Leases or, in the case of an application , leases or would have leased
    the land throu…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: '(i) Owns the land on which it is or will be located or, in the case of an application
      , did or would have owned the land on which it would have been located, through a direct or indirect
      ownership interest; or (ii) Leases or, in the case of an application , leases or would have leased
      the land through a paid or unpaid leasehold. (31) The number of individual dwelling units related
      to the property securing the covered loan or, in the case of an application , proposed to secure
      the covered loan . (32) If the property securing the covered loan or, in the case of an application
      , proposed to secure the covered loan includes a multifamily dwelling , the number of individual
      dwelling units related to the property that are income-restricted pursuant to Federal, State, or
      local affordable housing programs. (33) Except for purchased covered loans, the following information
      about the application channel of the covered loan or application:'
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) Whether the applicant or borrower submitted the application for the covered loan
    directly to the financial institution ; and (ii) Whether the obligation arising from the covered loan
    was, or in the case of an application , would have been initially payable to the financial institution
    . (34) For…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: (i) Whether the applicant or borrower submitted the application for the covered loan
      directly to the financial institution ; and (ii) Whether the obligation arising from the covered
      loan was, or in the case of an application , would have been initially payable to the financial
      institution . (34) For a covered loan or application , the unique identifier assigned by the Nationwide
      Mortgage Licensing System and Registry for the mortgage loan originator, as defined in Regulation
      G, 12 CFR 1007.102 , or Regulation H, 12 CFR 1008.23 , as applicable. (35)
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-i
  canonical_id: hmda-12cfr-1003.4-i
  section: 12 CFR §1003.4(i)
  description: '(i): (i) Except for purchased covered loans, the name of the automated underwriting system
    used by the financial institution to evaluate the application and the result generated by that automated
    underwriting system. (ii) For purposes of this paragraph (a)(35), an “automated underwriting system”
    means an…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: (i) Except for purchased covered loans, the name of the automated underwriting system
      used by the financial institution to evaluate the application and the result generated by that automated
      underwriting system. (ii) For purposes of this paragraph (a)(35), an “automated underwriting system”
      means an electronic tool developed by a securitizer, Federal government insurer, or Federal government
      guarantor of closed-end mortgage loans or open-end lines of credit that provides a result regarding
      the credit risk of the applicant and whether the covered loan is eligible to be originated, purchased,
      insured, or guaranteed by that securitizer, Federal government insurer, or Federal government guarantor.
      A person is a securitizer, Federal government insurer, or Federal government guarantor of closed-end
      mortgage loans or open-end lines of credit, respectively, if it has ever securitized, provided Federal
      government insurance, or provided a Federal government guarantee for a closed-end mortgage loan
      or open-end line of credit . (36) Whether the covered loan is, or the application is for, a reverse
      mortgage . (37) Whether the covered loan is, or the application is for, an open-end line of credit
      . (38) Whether the covered loan is, or the application is for a covered loan that will be, made
      primarily for a business or commercial purpose.
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-b
  canonical_id: hmda-12cfr-1003.4-b
  section: 12 CFR §1003.4(b)
  description: '(b): (b) Collection of data on ethnicity, race, sex, age, and income. (1) A financial
    institution shall collect data about the ethnicity, race, and sex of the applicant or borrower as
    prescribed in appendix B to this part. (2) Ethnicity, race, sex, age, and income data may but need
    not be collected for c…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: (b) Collection of data on ethnicity, race, sex, age, and income. (1) A financial
      institution shall collect data about the ethnicity, race, and sex of the applicant or borrower as
      prescribed in appendix B to this part. (2) Ethnicity, race, sex, age, and income data may but need
      not be collected for covered loans purchased by a financial institution .
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-e
  canonical_id: hmda-12cfr-1003.4-e
  section: 12 CFR §1003.4(e)
  description: '(e): (e) Data reporting for banks and savings associations that are required to report
    data on small business, small farm, and community development lending under CRA. Banks and savings
    associations that are required to report data on small business, small farm, and community development
    lending under re…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: (e) Data reporting for banks and savings associations that are required to report
      data on small business, small farm, and community development lending under CRA. Banks and savings
      associations that are required to report data on small business, small farm, and community development
      lending under regulations that implement the Community Reinvestment Act of 1977 ( 12 U.S.C. 2901
      et seq. ) shall also collect the information required by paragraph (a)(9)(ii) of this section for
      property located outside MSAs and MDs in which the institution has a home or branch office , or
      outside any MSA.
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: hmda-12cfr-1003.4-f
  canonical_id: hmda-12cfr-1003.4-f
  section: 12 CFR §1003.4(f)
  description: '(f): (f) Quarterly recording of data. A financial institution shall record the data collected
    pursuant to this section on a loan/application register within 30 calendar days after the end of the
    calendar quarter in which final action is taken (such as origination or purchase of a covered loan
    , sale of a…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 12 CFR §1003.4(a)
    source_class: cfpb-regulation
    source_url: https://www.law.cornell.edu/cfr/text/12/1003.4
    snapshot_id: 51d8914c82140e11
    fetched_at: '2026-05-22T11:32:31Z'
    content_hash: sha256:98359a94ad62a536e8902a6c4c4fbe226b751d211f3c3c0e70b854dff5347a62
    paragraph_quote: (f) Quarterly recording of data. A financial institution shall record the data collected
      pursuant to this section on a loan/application register within 30 calendar days after the end of
      the calendar quarter in which final action is taken (such as origination or purchase of a covered
      loan , sale of a covered loan in the same calendar year it is originated or purchased, or denial
      or withdrawal of an application). [ 80 FR 66310 , Oct. 28, 2015, as amended at 82 FR 43132 , Sept.
      13, 2017; 84 FR 57981 , Oct. 29, 2019] National Housing Act Home Ownership and Equity Protection
      Act of 1994 Community Reinvestment Act of 1977 CFR Toolbox Law about... Articles from Wex Table
      of Popular Names Parallel Table of Authorities Accessibility About LII Contact us Advertise here
      Help Terms of use Privacy
    drafter_attestation: Verbatim subsection of 12 CFR §1003.4 from Cornell LII snapshot 51d8914c82140e11;
      body isolated between nav and notes; substring-verified.
  judgment: false
