hmda road trip: get directions before navigating … road trip: get directions before navigating the...

HMDA Road Trip Get Directions Before Navigating the Expanded Data Fields Including the GMI

October 4 2017

1 June 29 2017HMDA The Ultimate Road Trip - Pre-Trip Checkup for the Basics You Need to Know Now

2 August 22 2017 HMDA at the Crossroads Submissions and Scrubs

3 Today October 4 2017HMDA Road Trip Get Directions Before Navigating the Expanded Data Fields Including the GMI

4 December 7 2017HMDA Final Pit Stop Fuel Up and Be Ready for 2018

Additional WK Resources (including recordings) wwwwolterskluwerfscomHMDA

Wolters Kluwer HMDA Webinar Series

Todayrsquos Presenters

Britt Faircloth CRCM Senior Regulatory ConsultantFL and CRA WizTrainer

Miral PatelProduct Manager Fair Lending WizHMDA DFWiz Sentinel

Catherine Brown Senior Attorney Regulatory Compliance AnalysisCompliance Center of Excellence

Barbara Boccia CRCM MBA JDSenior Director Advisory Services and Regulatory Relations

Introductions

Overview of the New HMDA Changes

Submission Changes ndash the New CFPB Platform

Fair Lending Data Analytics

CRA Wiz Product Update

HMDA at the Crossroads Itinerary (1 of 2)

Amendments to Regulation C (HMDA)

Amendments to Regulation B (ECOA) - Impacting HMDA

Uniform Residential Loan Application (URLA) Update

WKrsquos 12 Guidelines for Collecting GMI

Resources and Questions


Notice

The information presented in this webinar summarizes general guidance under HMDA including Unofficial Verbal Guidance from the Consumer Financial Protection Bureau Regulation C and other requirements based on the existing information available at the time of the presentation

It is intended only to act as a quick reference and not as a substitute for the law regulations or official commentary

There are continuing ongoing developments in this area Therefore always consult official sources of information including the regulation text and official commentary for a complete understanding of the law including the regulations

Portions of this presentation are excerpted from the CFPB Portal and ABACFPB New HMDA Submission Tool Overview Webinar August 2018

Wolters Kluwer Financial Services Inc copy 2017 All rights reserved 6

Todayrsquos Attendees

On Preparationhellip 70 of our respondents say they are prepared to capture the expanded

data points On Traininghellip 16 of our respondents say they have trained stakeholders on expanded

HMDA requirements On FIG Versionhellip 4 of our respondents say they are looking at FIG Version 31 August 2017 16 of our respondents say they are looking at FIG Version 31 August

2017 21 of our respondents expressed uncertainty about what a FIG is

1300 + individuals registered with over 72 from institutions under $5 Billion in assets


Overview of the New HMDA changes

Why is HMDA Data Important HMDA and CRA data are used in fair lending and CRA exams and

relied upon by regulators Consequently data must be accurate or heavy penalties ensue and cast a negative tone on exams

The public uses the data Errors can cause the public to draw incorrect conclusions about lending performance and regulators to question controls and can derail expansion plans

Institutions need to analyze data routinely for trends patterns gaps In order to make good business decisions data has to be accurate reliable and complete

Boards of Directors need reports on lending performance to stay abreast of trends monitor performance and ask for improvements

9Wolters Kluwer Financial Services Inc copy 2017 All rights reserved

The new HMDA rule initially issued in Oct 2015 updated Aug 24 2017 changes just about everything

Unprecedented sweeping HMDA changes are now a reality These changes are the most significant in 35 years 29 to 48 data points however 110 possible fields per record Post-implementation analytical possibilities very rich New expanded fields provide regulators advocacy groups and the industry with

opportunities and challenges Capturing compiling reporting and analyzing the new HMDA report will strain every part of

your lending and compliance teams

httpss3amazonawscomfilesconsumerfinancegovfdocuments201708_cfpb_final-rule_home-mortgage-disclosure_regulation-cpdf


HMDA Institutional Coverage - Who Must ReportThere are several requirements for determining which ldquoFinancial Institutionsrdquo (FI) must report The Bureau has a HMDA Institutional Coverage flowchart (updated 92817) available on its website to help you resolve any uncertainties For depository institutions (such as banks savings associations or credit

unions) requirements include Location Test Asset-Size Threshold Federally Related Test and Loan Activity Test

For non-depository institutions (such as a for-profit mortgage lending institution) as of 2018 there will be alignment on the Loan Volume Test and Location Test

Loan Volume Test As of 2018 did the institution originate at leastbull 25 Closed-End mortgage loans in each of two preceding calendar

years or bull 500 Open-End lines of credit in each of two preceding calendar

yearsbull Increased to 500 for 2018 and 2019 only

Location Test Institutions must have had a home or branch office in a Metropolitan Statistical Area (MSA) on the preceding December 31


Polling Question 1

Will your institution be subject to the HMDA data collection and reporting requirements in 2018

Yes No Not applicable

HMDA-Reportable ldquoCovered Loansrdquo

Identify which LOB will have HMDA-reportable ldquocovered loansrdquo Generally for consumer purpose loans both closed-end and open-end lines of

credit that are ldquodwelling-securedrdquo are now reportable Business-purpose loans are generally reportable if they are closed-end or

open-end lines of credit that are ldquodwelling-securedrdquo and have a home purchase home improvement or refinancing purpose A Financial Institution (FI) may rely on the oral or written statement of an

applicant regarding the proposed use of covered loan proceeds

The CFPBrsquos 2018 HMDA Transactional Coverage Chart (updated 92817) is a handy guide if you still need help to determine whether a transaction is reportable and will help you navigate through the common buzz words that relate to this area including ldquodwellingrdquo ldquocovered loansrdquo ldquoHELOCrdquo ldquocash-out refinancerdquo ldquopreapproval requestsrdquo ldquoconstruction loansrdquo ldquoagricultural loansrdquo ldquotemporary financingrdquo ldquofiduciary capacityrdquo and ldquounimproved landrdquo


2018 Expanded Data Field ChangesBy now you likely have systems policies procedures and training in place to collect the potential 110 data fields required for applications closing in 2018 relating to Unique identifiers

Universal loan identifier property address loan originator identifier and legal entity identifier for the institution

Information about the features of the loanLoan term interest rate introductory rate period non-amortizing features and type of loan

Information about the property securing the loanConstruction method property value lien priority of individual dwelling units and manufactured and multifamily housing data

Information about applicants and borrowersAge credit score Debt to Income (DTI) denial reasons application channel race ethnicity gender

Information about the underwriting process and pricing data


Awaiting More HMDA Changes We will cover a lot of the changes that we know of today many made within the past few weeks however the HMDA rule continues to evolve There also remains some degree of uncertainty relating to the new administration and potential for change at the highest level of the CFPB As an industry we must be prepared for what we know today and check daily for any changes

As of the date of this webinar we are currently awaiting

Launch of the new CFPB HMDA Platform Launch of the new CFPB Geocoding tool Final Rules on the CFPBrsquos recent proposal on which fields are made

available to the public and data that is redacted to protect the privacyof applicants and borrowers


HMDA Recent Updates

Here are some recent updates since our last webinar in August 2017

Resolution of the CFPBrsquos amendments to HMDA Regulation C and ECOA (Equal Credit Opportunity Act) Regulation B which clarifies some of the complicated issues around collecting and reporting demographic data

The CFPBrsquos recent amendment raised the loan volume threshold for HELOC from 100 to 500 for 2018 and 2019

CFPB has provided a proposal on how it will redact data to protect the privacy of applicants and borrowers and still may give additional access to certain stakeholders


Proposal Disclosure of Loan-Level HMDA Data

The CFPB issued proposed guidance to limit the HMDA data it shares publicly (Issued 92017) Excluded Fields - Proposed non-disclosure of more than a dozen data and

text fields from the HMDA data it publicly discloses Modified Fields - Proposed compromise on other data fields by making

them less precise ndash here are some examples Instead of publishing a borrowerrsquos loan amount and property value it

would disclose the midpoint for the $10000 interval into which the reported value falls

Instead of disclosing the borrowerrsquos age it would publish a range (under 25 25 to 34 35 to 44 etc)

DTI would be disclosed in Ranges (except DTI between 40 - 50 is reported as is)

Wolters Kluwer Financial Services Inc copy 2017 All rights reserved

17

Proposed CFPB HMDA Disclosure Policy

Excluded FieldsRace or Ethnicity Free Form Text Credit Model Free Form Text

Street Address Free Form Denial Reason

Unique Loan Identifier Automated Underwriting System Result

Application Date Credit Score

Action Date NMLS

18

Modified FieldsAge - Disclosed in Ranges

Property Value - Rounded to the nearest $10000 midpoint

Loan Amount - Rounded to the nearest $10000 midpoint

DTI - Disclosed in Ranges (except between 40 - 50 reported as is)


Proposed CFPB HMDA Disclosure Policy (contrsquod)

19

Public as ReportedRace Ethnicity and Gender Loan Type Reverse Mortgage

Method of GMI Collection Loan Purpose Open End Credit Indicator

Income Pre-approval Business or Consumer

Construction Method Action Credit Score Model

Occupancy Lien Status Denial Reasons

City State and Zip Code Loan Term CLTV

Census Tract and County Purchaser AUS

Total Units Appl Submission Type Prepayment Penalty Term

Multi-Family Affordable Units

Initially Payable to Institution

Negative Amortizing Features

Manufactured Home Property Type

Manufactured Home Land Interest



20

Public as Reported - PricingTotal Loan Costs Total Points and Fees

Origination Charges Discount Points

Lender Credits Interest Rate

Rate Spread HOEPA Status

Introductory Rate Period Balloon Payment

Interest Only Payments


New Posted Notice Notice Requirements

The new rule modifies the content of the required HMDA notices and refers consumers to the CFPB website to obtain your HMDA data as of ldquoJanuary 1 2018rdquo NOTE This information may be confusing since that data will not be

available on the Bureaursquos website on January 1 Informally the CFPB indicates that they will post a notice on their

website explaining that the data will not be available until ldquoa later daterdquo

That may not be an acceptable response to a disgruntled consumer or consumer advocacy group If you havenrsquot looked into this yet consider how your institution will handle these inquiries and be sure to update your staff training so they are prepared to answer questions from the public


Unique Loan Identifier (ULI)

CFPB plans to release a check digit tool for use in verifying the Universal Loan Identifier (ULI) a number that an FI assigns to a Covered Loan or Application The ULI is the Financial Institutionrsquos Legal Entity Identifier (LEI) plus a

loanapplication number plus two-character check digit The LEI is a unique 20-digit alphanumeric identifier issued by the LEI

Regulatory Oversight Committee governed by the Global LEI Foundation Branches cannot use the same ULI to refer to multiple Covered Loans or

Applications A new ULI is assigned to a Refinancing or Application for Refinancing (ie do

not use the ULI from the loan that is being refinanced) For a purchased Covered Loan use the ULI that was assigned to the Covered

Loan by the Financial Institution that previously reported the Covered LoanObtain an LEI at the Global LEI Foundation website httpswwwgleiforgenlei-datalouservicesissue-new-lei


Preparation for 2018 Data CollectionHere are some additional tips for preparation

Coordinate with the Lines of Business (LOBs) second and third lines of defense to test this data frequently throughout 2018 and timely address any findings

Be alert for any nuances in collection including any updates for TRID tolerance cures occurring after loan closure and loans started in 2017 that will close and be reportable in 2018 (Consult the Summary of Reportable Data and Reporting ldquoNot Applicablerdquo guides on the Bureaursquos website)

The most complicated area to prepare for is the collection and reporting of information for ethnicity race and gender In general report ethnicity race and gender as provided at the time

provided (there are nuances for 2017 applications) Report demographic data from the applicant and the listed first co-

applicant only who are individuals (eg not corporations)


Polling Question 2

Do you have the processes in place to collect and report on the 110 data fields required by HMDA for 2018

Yes Somewhat No Not applicable

Results from June and August HMDA WebinarsDo you have the processes in place to collect and report on the 110 data fields required by HMDA for 2018


June 2017 August 2017

Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4

New Submission Process March 1 2018

Submission of 2017 data on 3118

The entire submission process will change for submission of 2017 data on March 1 2018 The new filing requirements for submission on the new CFPB

HMDA Platform are set forth in the Filing Instruction Guides (FIG) available on the Bureaursquos website and recently updated in August 2017 (See Additional Resources slide)

Be prepared for spending time to ensure that your data edits (quality validity macro andor syntactical errors) are resolved validated andor explained before you sit down to submit

Plan for time for any manual work to enter this information into the portal and have a signing officer available to submit

Any steps you can take to improve data integrity now will help you significantly in the hectic months of January and February


HMDA Data Collection ndash Current Process


HMDA Data Collection ndash New Process


New CFPB ldquoHMDA Platformrdquo New Online Web-based ldquoHMDA Platformrdquo

Institutions will need a software solution to create an electronic file that can be submitted on the new CFPB HMDA Platform

bull Institutions will no longer be able to use the following submission methods bull diskette bull through data entry software (DES) bull E-Mail to HMDASUBFRBGOV or bull paper submission

2017 Filing Instruction Guide (FIG 22) (updated 817)httpswwwconsumerfinancegovdata-researchhmdastaticfor-filers20172017-HMDA-FIGpdf


New Browser and Login Credentials

Whatrsquos Changing Use of an acceptable browser Modern browser is required Google Chrome or Mozilla

Firefox Internet Explorer 11 Microsoft Edge

Whatrsquos Changing Register online for login credentials to the HMDA Platform User accounts Obtain login credentials and establish an

account prior to using the HMDA Platform


CFPB Platform ndash Create an Account


CFPB Platform ndash Create a Password


New LAR Format Specifications

Institutions will submit data collected in a pipe delimited text file (txt) The HMDA data entry software currently provided by FFIEC

that many institutions relied on for years will no longer be available for data entry or submission

CFPB will be publishing a LoanApplication Register (LAR) Formatting Tool that will assist filers with small loan volumes in preparing the HMDA LAR for submission LAR Formatting Tool requires the use of the Microsoftreg Visual

Basicreg for Applications (VBA) The ldquoHMDA Platformrdquo will allow filers to select a single LAR from a local or network file system confirm the LAR is properly formatted


New Edit Verification Process

All edit verifications must be made online and fully addressed prior to submission ndash this is a significant change from the current process Syntactical and Validity Edit Review The HMDA Platform will identify any syntactical or validity edit and the

rows in the LAR where each edit is triggered All Syntactical and validity edits must be addressed prior to filing the

LAR ndash the Platform will not allow submission without resolution Quality and Macro Quality Edit Review The filer will be required to confirm the accuracy of the data flagged

with quality edits and provide explanations for any macro quality edits Edit reports will no longer be sent via email but now viewed and

downloaded from the HMDA PlatformAllow sufficient time to submit this information on the Platform


Edits Must Be Resolved Prior To Submission


New Authorized Representative Signature


Submission Requirements Whats Changing

Whatrsquos Changing New geocoder tool

The HMDA and CRA regulations require institutions to record and report the geographic location of a property such as the census tract that the property is located in For many institutions geocoding can be a very time consuming task that can take hours sometimes days to complete

CFPB Geocoder CFPB is expected to roll out new online geocoder tool and methodology

Institutions will need to decide between the FFIECrsquos legacy or new CFPB geocoder

CRA Wiz users will not be able to maintain geocoding results from both geocoders in the same file


Are You Ready

Submission Check List On March 1 2018 submit 2017 HMDA data to the new regulatory

agency (CFPB) on the new HMDA Platform Use a correct browser type Google Chrome or Mozilla Firefox

Internet Explore 11 Microsoft Edge Make sure you have login credentials for the HMDA Portal Verify the Universal Loan Identifier (ULI) Use a new file type pipe delimited text file (txt) Validate edits ready to explain why Quality andor Micro edits are

true Authorized representative of the bank ready to certify the

completeness and accuracy of the LAR

Note There are no changes to CRA which means that institutions that file both HMDA and CRA (small business farm community development) will have two completely different submission methods

Meanwhile In JanuaryFebruary start preparingcollecting the new 2018 expanded HMDA data fields and taking care of those 2017 applications that close in 2018 (that will require new data fields There are also important notes regarding GMI in this situation discussed below)


Polling Question 3

What is your institutionrsquos chief concern about the new HMDA rules

New Submission Requirements New Data Fields ndash including GMI Data Integrity Overall HMDA Readiness Other


Fair Lending Data Analytics ndash Impact of Expanded HMDA Data

Whatrsquos Changing And Why ldquoA whole lot and ask googlerdquo

Primary fair lending data was not subject to reporting - but it is NOW

2017 and Prior Fair Lending Data or HMDA Plus data has been part of data collection by an

institution

2018 and Forward Primary fair lending data will be part of collection and reporting

One of the primary purpose for CFPB to collect this data is to expand Fair Lending analysis For example

Preapproval Property Location Rate Spread HOEPA Status Denial Reasons Interest Rate Prepayment Penalty DTI CLTV Total Units Credit Scorehellip


Fair Lending Data Analytics ndash Data Sources

Where do these data points come from ldquoFollow Data Trailrdquo

Some of the key data primarily comes from following sources

2014 Dodd Frank Act (DFA) Qualified Mortgage (QM) Data Points 2015 TRID Disclosure Data Points Note timing issues if a TRID Cure is issued after consummation

Underwriting Data Repository Pricing Data Repository Loan Identifier Information Data Points Applicant GMI Data


Fair Lending Data Analytics Current Data

Whatrsquos going on now ldquoCurrent Staterdquo

3 Primary categories which consisted of 39 data points which could be included in Fair Lending Analysis


Applicant Information Loan Information Property InformationRace Loan Property TypeEthnicity Application Received Date MSAGender Loan Type StateIncome Loan Purpose County

Lien Status Census TractAction TakenAction DateHOEPA StatusType of PurchaserDenial Reasons

Sheet1

Sheet1 (2)

Fair Lending Data Analytics ndash Expanded 2018 Data

What will be CollectedReported ldquo3X Datardquo

6 main categories which consist of major Fair Lending data points

Loan Identifier Information Loan Information Property Information Applicant Information (GMI) Underwriting Information Pricing Information


Fair Lending Data Analytics ndash No Escape

What does all this data mean ldquoYoursquove got to reviewanalyze No Escapingrdquo


Fair Lending Data Analytics - Expanded GMI

Expanded Government Monitoring Information (GMI) ldquoContextrdquo GMI data collection has always been in place but expanded data collection is

now aligning with how US census has been collecting data


Fair Lending Data Analytics ndash GMI Values

What will be collectedreported ldquoExpanded RaceEthSexrdquo

Race 5 values per Applicant Ethnicity 5 values per Applicant Sex 3 values are Male Female or Male amp Female per Applicant

Key revision from August FIG 2017 for RaceEthnicity ldquoOthersrdquo

For example the Free Form Text for race values 1 27 44 the lender can either select ldquoOtherrdquo and report the value provided in Free Form Text

OR Just report value provided in Free Form Text without selecting ldquoOtherrdquo

For Fair Lending it will be up to the institution how they want to view this data for Fair Lending Analysis

Do they review them separately as ldquoOthersrdquoOR Do they place them in the aggregate category


Fair Lending Data Analytics ndash GMI Permutations How to use all of that collected data ldquoSignificance of 121000 GMI combinations represents 13

of that countrdquo

121000 (110110) is the of combinations one can use reported data to perform a variety of Fair Lending analytics

Until now aggregated view was collected and used for Fair Lending analysis

Starting 2018 disaggregated will be collected and used as well for Fair Lending analysis

Every institution is unique in terms of their lending footprint Especially

NationalRegional lenders most likely will serve multiple raceethnicity communities

VS

A small community bank might be serving in a predominantly Black or African American neighborhood and very small portion of Asian population

Whereas another community bank might be serving predominantly White and African American population due to the nature of population residing in that communities


Fair Lending Data Analytics ndash GMI Views

Review from both views ldquoAggregateDisaggregaterdquo

Aggregate View (the major category)

AIAN Asian Black or AA NHPI White Joint 2+ Minority

Hispanic or Latino Not Hispanic or Latino Joint 2 + Ethnicity

Male Female Joint

Disaggregate View (the major and subcategories)

AIAN Asian Asian Indian Chinese Black or AA NHPI Native Hawaiian Samoan White Joint 2+ Minority Otherrsquos

Hispanic or Latino Mexican Puerto Rican Not Hispanic or Latino Joint 2+ Ethnicity Other

Male Female Male amp Female


Fair Lending Data Analytics ndash Rich Data Considerations

So why all this data for Fair Lending ldquoWhy notrdquo

Analyze them from ldquoAggregaterdquo views

Analyze them from ldquoDisaggregaterdquo views

Institution can covers different angles of current and new fair lending analysis which includes but not limited to

Redlining REMA (Reasonable Expected Market Area) Disparate Impact Disparate Treatment Peer to Peer review (This will change with Peer Data CFPB will publish) Compare Sub Minority Categories to Other Sub Minority Categories Pricing Procedure Review Underwriting Procedure Review


Polling Question 4

How ready are you to do fair lending analysis on the expanded HMDA data fields

Pen and paper ready Where should we start ldquoAlexa start regression analysis for usrdquo We have built a robust data analytics solution


HMDA Product Delivery Timeline

54

bull HMDADF database changesbull LOS integration collaboration

2016

bull HMDADF Import format and updated edit viewsbull Standard Saved 2018 Import Formatbull Edit checksbull ACS census data updatebull HMDA DF Reportsbull FL Wiz updates for new fieldsbull 2017 submission updates

bull pipe delimited txt format

2017

bull Reportsbull ULI check digit validationbull CFPB Tools (Edit checks Geocoding Submission)bull 2018 submission updatesbull Fair Lending Regression Module Upgrade to Netbull CFPB portal and new edit check process

2018

72 SP 1 Q273 Maintenance release Q473 SP 1 Q4


2017 Product Release Schedule CRAFair Lending Wiz Software Updates 72SP1 released May 19th 2017 and available for download via Wiz Web Center

Ability to bring in HMDA DF data in a standardized format Review and edit data Run ad-hoc reporting

73 release October 31st 2017 will include further support of HMDA DF in Wiz which includes but not limited to 2017 Submission updates Single Record View HMDA DF analysis Support of HMDA DF in advanced features (event scheduler workbook builder etc)

73 SP1 release in Q4 2017 will include additional support of advanced HMDA DF features CRA Tables (currently supported for HMDA DF) Fair lending analysis of HMDA DF

CFPB HMDA Update Q2 2017 CFPB will release File Format Verification Tool Q3 2017 CFPB will release 2017 HMDA Platform Beta Version Geocoder (For 2018 data) and 2018 HMDA Edit Q4 2018 CFPB will release 2017 HMDA Platform Check Digit Generator

Subject to Change as contingent upon the CFPB release schedule


Amendments to Reg C (HMDA)

HMDA Amendments ndash Reporting Threshold

The April 2017 proposed amendments to Reg C (HMDA) were finalized on 82417 Importantly there was a change to the threshold for Open-End Lines of Credit 12 CFR 10032 Definitions

(g) Financial Institution means Meets at least one of the following criteria

(B) [Effective until January 1 2020] In each of the two preceding calendar years originated at least 500 open-end lines of credit that are not excluded from this part pursuant to sect 10033(c)(1) through (10) or (13)

Effective January 1 2020 the threshold will return to 100 open-end lines of credit without further action by the Bureau


HMDA Amendments ndash Voluntary Reporting

Voluntary Reporting12 CFR 10033ldquo(c) Excluded transactions The requirements of this part do not apply to (11) A closed-end mortgage loan if the financial institution originated fewer than 25 closed-end mortgage loans in either of the two preceding calendar years a financial institution may collect record report and disclose information as described in sectsect 10034 and 10035 for such an excluded closed-end mortgage loan as though it were a covered loan provided that the financial institution complies with such requirements for all applications for closed-end mortgage loans that it receives closed-end mortgage loans that it originates and closed-end mortgage loans that it purchases that otherwise would have been covered loans during the calendar year during which final action is taken on the excluded closed-end mortgage loanrdquo


HMDA Amendments ndash Collection of GMI

Demographic Information Collection Clarifications

Considerable amendments to Appendix B to Regulation C Minor Changes to the Model Form Changes to the Filing Instructions Guide to be consistent

with amendments to Appendix B to Regulation C See Collecting Demographic Information


HMDA Amendments ndash Loan Purpose Originator ID

Transitional RulesmdashLoan Purpose and Originator ID The rules for determining the Loan Purpose are new for 2018 and

different from previous yearsTo reduce the burden of determining the Loan Purpose lenders may report ldquonot applicablerdquo for purchased loans originated prior to January 1 2018

For loans subject to Regulation Z lenders may report ldquonot applicablerdquo for the originatorrsquos NMLSR ID for purchased loans originated before January 1 2014

For loans not subject to Regulation Z commercial loans for example originated prior to January 1 2018 lenders may report ldquonot applicablerdquo for the originator ID


HMDA Amendments Dwelling for Sale

Another Amendment to Reg C relates to loans exclusively for construction of a dwelling for sale

Recall that there is a purpose test for commercial loans to be a covered loan a commercial loan must be for the purpose of home purchase home improvement or refinancing (See 12 CFR 10033(c)(10))

Staff Commentary now provides ldquoA home purchase loan does not include a construction-only loan or line of credit that is designed to be replaced by separate permanent financing extended by any financial institution to the same borrower at later time or that is extended to a person exclusively to construct a dwelling for sale rdquo


HMDA Amendments CFPB Geocoding Tool Safe Harbor

The CFPB is still in the process of developing a geocoding tool Another amendment to Reg C relates to the Safe Harbor when Lenders use the CFPBrsquos Geocoding Tool

CFPB is developing a geocoding tool Effective January 1 2019 12 CFR 10036(b)(2) states that ldquoAn incorrect

entry for a census tract number is deemed a bona fide error and is not a violation of the Act or this part provided that the financial institution maintains procedures reasonably adapted to avoid such an errorrdquo

Staff Commentary now provides that when a lender enters the correct address in the CFPBrsquos geocoding tool (yet to be released) and the geocoding tool returns a census tract it is an example of a procedure reasonably adapted to avoid errors under the above regulation section


HMDA Amendments ndash MiscMiscellaneous Amendments ndash More Clarifications

CFPB states that the amendments to the HMDA lsquofinalrsquo rule are ldquoto make technical corrections to and to clarify certain requirementsrdquo of the HMDA final rule

In addition to the matters on the slides above there are numerous other miscellaneous amendments

For example ndash regarding the loan to value (LTV) ratio relied upon in making the credit decision for clarity the staff commentary now states that the loan to value ratio is not limited by the value of the dwelling but includes (when relied upon in making the credit decision) other real and personal property securing the loan

See the staff commentary a discussion of the miscellaneous amendments


Amendments to Reg B (ECOA) ndash Impacting HMDA

Amendments to Reg B (ECOA) Impacting HMDA

Intersection of Regulation B and Regulation C (HMDA) prior toAmendment Collect government monitoring information under Regulation

B for applications for credit ldquoprimarily for the purchase or refinancing of a dwelling occupied or to be occupied by the applicant as a principal residence where the extension of credit will be secured by the dwelling rdquo

Collect and report demographic information from the applicant and first co-applicant under Regulation C for applications and originations for closed-end and open-end loans secured by a dwelling (and for commercial loans meet the purpose test)


Amendments to Reg B (ECOA) Impacting HMDA (Contrsquod)

Post Amendments to Both Regulations Lenders may use HMDA demographic questions (disaggregated

questions) for Regulations B and C lenders may opt to use the aggregated questions instead of disaggregated questions for Regulation B

Lenders must collect and report demographic information using disaggregated questions from applicant and first co-applicant lenders may collect demographic information using disaggregated questions from the third fourth etc applicants without violating Regulation B for commercial loans lenders may collect demographic information when a lender is uncertain that the loan will pass the purpose test without violating Regulation B


URLA Update ndash Sept 2017 Announcements

September 2017 Announcements Regarding Uniform Residential Loan Application (URLA)

Revised Demographic Information Addendum to conform to model form in Appendix B to Regulation C

Set July 1 2019 as a permissive use date for the revised Uniform Residential Loan Application (URLA)

Set February 2020 as a mandatory use date for the revised URLA

URLA subject to revision depending on resolution of the borrower language preference question matter

Recommendation Use Wolters Kluwer interim URLA and Demographic Information Addendum (VMP21A Series VMP1602) See also httpswwwfanniemaecomsinglefamilyuniform-residential-loan-application


Collecting Demographic Information ndash the Starting Point

Appendix B to Part 1003--Form and Instructions for Data Collection on Ethnicity Race and Sex [Effective Jan 1 2018]

You may list questions regarding the ethnicity race and sex of the applicant on your loan application form or on a separate form that refers to the application


Donrsquot forget

Important Source of Information - CFPBrsquoS Filing Instructions Guide (FIG) Version 32

httpswwwconsumerfinancegovdata-researchhmdastaticfor-filers20182018-HMDA-FIGpdf


Filing Instructions Guide (FIG )

Version 32Contains

Revision Log File Specifications Data Specifications Edit Specifications


WKrsquos 12 Guidelines for Collecting GMI Data

WK Guidelines for Collecting GMI 1

WK Guideline 1

If there is not at least one co-applicant report that there is ldquono co-applicantrdquo in the appropriate fields

Note Avoid the common error for non-natural persons ndash do not report ldquoNArdquo if there is no co-applicant

HMDA Appendix B

ldquo5 If there are no co-applicants you must report that there is no co-applicantrdquo

Per FIG 32 Field 25 5 No co-applicantField 32 4 No co-applicantField 41 8 No co-applicantField 50 4 No co-applicantField 52 5 No co-applicant Field 54 4 No co-applicantField 56 9999 No co-applicantField 63 9999 No co-applicantField 66 10 No co-applicant


WK GMI Guideline 2a

WK GUIDELINE 2a

For HMDA collect and report demographic information on the applicant and first co-applicant only

Note At the lenderrsquos discretion a lender may collect (but not report) demographic information from any other applicant

(Edited per final Regulation B amendments signed September 8 2017)

HMDA Appendix B ldquo1 You must ask the applicant for this information 5 you must provide the ethnicity race and sex only for the first co-applicant listed on the collection formrdquo

Regulation B (ECOA) Section 10025ldquo(a)(4)(vi) A creditor that is collecting information regarding the ethnicity race and sex of an applicant or first co-applicant may collect information regarding the ethnicity race and sex of a second or additional co-applicant for a covered loan under Regulation C 12 CFR 10032(e) or for a second or additional co-applicant for a loan described in paragraphs (a)(4)(i) through (v) of this sectionrdquo


WK GMI Guideline 2b

WK GUIDELINE 2b

Similar to above a lender maycollect demographic information on a commercial loan that may ultimately fail the home purchase improvement or refinance purpose test for commercial loans

Regulation B (ECOA) Section 10025

ldquo(a)(4)(v) A creditor that is a financial institution under Regulation C 12 CFR 10032(g) or that submitted HMDA data for any of the preceding five calendar years but is not currently a financial institution under Regulation C 12 CFR 10032(g) may collect information regarding the ethnicity race and sex of an applicant for a loan that would otherwise be a covered loan under Regulation C 12 CFR 10032(e) if the loan were not excluded by Regulation C 12 CFR 10033(c)(10)rdquo


WK GMI Guideline 3

WK GUIDELINE 3

3a Report ldquonot applicablerdquo when an applicant is not a natural person

3 b A lender may choose to report ldquonot applicablerdquo for purchase loans

Appendix B ldquo7 You must report that the requirement to report the applicants or co-applicants ethnicity race and sex is not applicable when the applicant or co-applicant is not a natural person (for example a corporation partnership or trust)rdquo

Appendix Bldquo6 When you purchase a covered loan and you choose not to report the applicants or co-applicants ethnicity race and sex you must report that the requirement is not applicablerdquo


WK Guideline 3 ndash Additional Considerations

Examples of ldquoNot Applicablerdquo Applicant is a corporation Applicant is solely signing as the trustee of an inter vivos trust

NOTE report NA based on non-binding verbal advice from the CFPB

Example of an Unresolved Issue Applicant is a co-signer (does not receive a direct benefit from the extension of credit

and signs in order for other parties to receive the requested credit)

Examples of ldquoCollect and Reportrdquo Applicant is an individual and is signing both individually and as the trustee of an inter

vivos trust Applicant is an individual and is doing business as (DBA) a sole proprietorship

Collect and report demographic information if the applicant is a natural person under the applicable state law

Applicant is an individual and a beneficiary of an inter vivos trust


WK Guideline 4

WK GUIDELINE 4

Report what the applicant selects andor writes on the demographic form Some Exceptions

(1) See discussion of ldquoOtherrdquo and information that an applicant writes on the form in Rule 10 below (2) Reporting is limited to no more than 5 aggregated and disaggregated categories See Guideline 8 below (3) Disregard a check in the ldquoI do not wish to provide this informationrdquo checkbox for an application taken by mail internet or telephone if the applicant has also furnished partial or complete information in the applicable section of the form

Appendix B ldquo8 You must report the ethnicity race and sex of an applicant as provided by the applicantrdquo ldquo13 If an applicant provides partial or complete information on ethnicity race and sex and also checks the I do not wish to provide this information box on an application that is taken by mail or on the internet or makes that selection when applying by telephone you must report the information on ethnicity race and sex that was provided by the applicantrdquo

FIG 32 ldquob Use Code 3 [Information not provided by applicant in mail internet or telephone application] if the applicant or borrower or co-applicant or co-borrower does not provide the information in an application taken by mail internet or telephone Leave the remaining Ethnicity of Applicant or Borrower data fields blankrdquo


WK Guideline 5

WK GUIDELINE 5

When an applicant chooses not to provide information and the application is taken in person (which includes internet with a video component) a lender is required to provide

demographic information on the basis of visual observation or surname and

the lender is limited to selecting aggregate categories only for

ethnicity and race and either male or female for sex

Appendix Bldquo8 Only an applicant may self-identify as being of a particular Hispanic or Latino subcategory or of a particular Asian subcategory or of a particular Native Hawaiian or Other Pacific Islander subcategory or of a particular American Indian or Alaska Native enrolled or principal triberdquo ldquo10 When you collect an applicants ethnicity race and sex on the basis of visual observation or surname you must select from the following aggregate categories Ethnicity (Hispanic or Latino not Hispanic or Latino) race (American Indian or Alaska Native Asian Black or African American Native Hawaiian or Other Pacific Islander White) sex (male female)rdquo

FIG (32) Fields 51 and 52 Values 1 Male 2 Female 3Information not provided by applicant in mail internet or telephone application 4 Not applicable 5 No co-applicant (for Field 52 only) 6 Applicant selected both male and female


WK Guideline 6

WK GUIDELINE 6

An applicant may select one or more subcategories without selecting the category

or stated another way An applicant may select a disaggregated category without selecting an aggregated category NOTE Do not report an aggregated category unless the applicant selects an aggregated category

Example (1) An applicant may select Mexican without selecting Hispanic or Latino If an applicant does so a lender reports Mexican and does not report Hispanic or Latino

Appendix B

ldquo8 An applicant may select an ethnicity or race subcategory even if the applicant does not select an aggregate ethnicity or aggregate race categoryrdquo


WK Guideline 6 - Example from CFPB Loan Scenarios

For field 19 in the above grid ldquo12rdquo is the selected value which correlates with the selection ldquoPuerto RicanrdquoExcerpt from CFPB Loan Scenarios at httpswwwconsumerfinancegovdata-researchhmdastaticfor-filersHMDA-Loan-Scenariospdf


81

WK Guideline 7

WK GUIDELINE 7

Offer the applicant the opportunity to select more than one ethnicity and race

Appendix B ldquo9 You must offer the applicant the option of selecting more than one ethnicity or racerdquo

Source FannieFreddie Demographic Information Addendum Revised 092017 notice ldquoCheck one or morerdquo on the form


WK Guideline 8

WK GUIDELINE 8

Do not report more than 5 aggregated and disaggregated categories

Appendix Bldquo9i you must not report more than a total of five aggregate ethnicity categories and ethnicity subcategories combinedrdquo

Appendix Bldquo9iii you must not report more than a total of five aggregate race categories and race subcategories combinedrdquo


WK Guideline 9

WK GUIDELINE 9

If an applicant selects or identifies more than 5 categories report aggregated categories

first and then subcategories to a

maximum of 5

Note A lender may select which subcategories to report when an applicant selects or identifies more than 5 categoriessubcategories

Appendix B

ldquo9i if the applicant selects both aggregate ethnicity categories and also selects all four ethnicity subcategories you must report Hispanic or Latino Not Hispanic or Latino and any three at your option of the four ethnicity subcategories selected by the applicantrdquo

ldquo9iii You must report every aggregate race category selected by the applicant If the applicant also selects one or more race subcategories you must report each race subcategory selected by the applicant except that you must not report more than a total of five aggregate race categories and race subcategories combined if the applicant selects the White Asian and Native Hawaiian or Other Pacific Islander aggregate race categories and the applicant also selects the Korean Vietnamese and Samoan race subcategories you must report White Asian Native Hawaiian or Other Pacific Islander and any two at your option of the three race subcategories selected by the applicantrdquo


WK Guideline 10 a

WK GUIDELINE 10 a10 a If an applicant writes in information under an Other subcategory but does not select Other a lender may report the information that the

applicant writes in and report Other or

report the information that the applicant writes in without reporting Other

Appendix Bldquo9ii An applicant may select the Other Hispanic or Latino ethnicity subcategory an applicant may provide a particular Hispanic or Latino ethnicity not listed in the standard subcategories or an applicant may do both If the applicant provides only a particular Hispanic or Latino ethnicity in the space provided you are permitted but are not required to report Other Hispanic or Latino in addition to reporting the particular Hispanic or Latino ethnicity provided by the applicantrdquo

ldquo9iv An applicant may select the Other Asian race subcategory or the Other Pacific Islander race subcategory an applicant may provide a particular Asian race or Pacific Islander race not listed in the standard subcategories or an applicant may do both If the applicant provides only a particular Asian race or Pacific Islander race in the space provided you are permitted but are not required to report Other Asian or Other Pacific Islander as applicable in addition to reporting the particular Asian race or Pacific Islander race provided by the applicantrdquo


WK Guideline 10 b

WK GUIDELINE 10 b

10 b For American Indian or Alaska Native race category which does not have an ldquoOtherrdquo but does have a write in space if an applicant writes in information but does not check American Indian or Alaska Native a lender may

report the information that the applicant writes in and report American Indian or Alaska Native or

report the information that the applicant writes in without reporting American Indian or Alaska Native

Appendix B

ldquo9v An applicant may select the American Indian or Alaska Native race category an applicant may provide a particular American Indian or Alaska Native enrolled or principal tribe or an applicant may do both If the applicant provides only a particular American Indian or Alaska Native enrolled or principal tribe in the space provided you are permitted but are not required to report American Indian or Alaska Native in addition to reporting the particular American Indian or Alaska Native enrolled or principal tribe provided by the applicantrdquo


WK Guideline 11WK GUIDELINE 11

11a Count ldquoOtherrdquo and the information that an applicant writes in under Other as ldquo1rdquo for purposes of calculating the maximum of 5 reportable categories

11b Count American Indian or Alaska Native and any information that an applicant writes in under American Indian or Alaska Native as ldquo1rdquo for purposes of calculating the maximum of 5 reportable categories

Appendix B ldquo9ii For purposes of the maximum of five reportable ethnicity categories and ethnicity subcategories combined as set forth in paragraph 9i the Other Hispanic or Latino subcategory and additional information provided by the applicant together constitute only one selectionrdquo

Appendix Bldquo9iv For purposes of the maximum of five reportable race categories and race subcategories combined as set forth in paragraph 9iii the Other race subcategory and additional information provided by the applicant together constitute only one selectionrdquo


WK Guideline 12

WK GUIDELINE 12

For applications taken in person (which includes internet with a video component)

report whether demographic information is based on

visual observation or surname

Appendix Bldquo10 You must report whether the applicants ethnicity race and sex was collected on the basis of visual observation or surnamerdquo

Appendix B - Demographic Form Image ldquoTo Be Completed by Financial Institution (for an application taken in person) Was the ethnicity of the applicant collected on the basis of visual observation or surname Yes Nordquo


Transition Rule GMI for 2017 applications closed in 2018

For an origination that is started in 2017 and closed in 2018 the new HMDA fields need to be reported However the collection and reporting of GMI will depend on which questions are asked and is nuanced

A lender is not required to ask the 2018 disaggregated GMI questions for an application begun prior to 2018 However a lender may ask the disaggregated questions before 2018 Here is the transition rule from Staff Commentary

ldquo2 Transition rule for applicant data collected prior to January 1 2018 If a financial institution receives an application prior to January 1 2018 but final action is taken on or after January 1 2018 the financial institution complies with sect 10034(a)(10)(i) and (b) if it collects the information in accordance with the requirements in effect at the time the information was collected For example if a financial institution receives an application on November 15 2017 collects the applicants ethnicity race and sex in accordance with the instructions in effect on that date and takes final action on the application on January 5 2018 the financial institution has complied with the requirements of sect 10034(a)(10)(i) and (b) even though those instructions changed after the information was collected but before the date of final action However if in this example the financial institution collected the applicants ethnicity race and sex on or after January 1 2018 sect 10034(a)(10)(i) and (b) requires the financial institution to collect the information in accordance with the amended instructionsrdquo


Transition Rule GMI for 2017 applications closed in 2018 (contrsquod)

Layer onto that a rule from Appendix B that will require the lender to re-ask the questions in 2018 when

(1) the application is begun via mail internet or telephone in 2017 (2) the applicant does nothing with the demographic section of the application and (3) the lender meets in person with the applicant on or after 1118 and prior to closing

Here is that ruleldquo12 If the applicant begins an application by mail internet or telephone and does not provide the requested information on the application but does not check or select the I do not wish to provide this information box on the application and the applicant meets in person with you to complete the application you must request the applicants ethnicity race and sex If the applicant does not provide the requested information during the in-person meeting you must collect the information on the basis of visual observation or surname If the meeting occurs after the application process is complete for example at closing or account opening you are not required to obtain the applicants ethnicity race and sexrdquo



Additional Resources CFPB Implementation Page

httpswwwconsumerfinancegovPolicy-ComplianceGuidanceImplementation-GuidanceHMDA-Implementation

CFPB 2017 HMDA Institutional Coverage Chart (updated 92817)httpss3amazonawscomfilesconsumerfinancegovfdocuments201709_cfpb_2018-hmda-institutional-coveragepdf

CFPB2018 HMDA Transactional Coverage Chart (updated 92817)httpss3amazonawscomfilesconsumerfinancegovfdocuments201709_cfpb_2018-hmda-transactional-coveragepdf


2018 Data Filing Instruction Guide (FIG 32) (updated 817)httpswwwconsumerfinancegovdata-researchhmdastaticfor-filers20182018-HMDA-FIGpdf

CFPB HMDA Small Entity Compliance Guide httpfilesconsumerfinancegovf201512_cfpb_hmda_small-entity-compliance-guidepdf


Additional Resources (contrsquod)

The Regulation C (HMDA) Final Rule (Oct 2015 updated 82417) httpss3amazonawscomfilesconsumerfinancegovfdocuments201708_cfpb_final-rule_home-mortgage-disclosure_regulation-cpdf

CFPB Key Dates Timeline (updated 92817)httpss3amazonawscomfilesconsumerfinancegovfdocuments201709_cfpb_hmda-key-dates-timelinepdf

CFPB Disclosure of Loan Level HMDA Data (Proposal issued 92017)httpfilesconsumerfinancegovfdocuments201709_cfpb_hmda-disclosure-policy-guidancepdf

Amendments to Equal Credit Opportunity Act (Regulation B) Ethnicity and Race Information Collection (issued 92017)httpswwwconsumerfinancegovpolicy-compliancerulemakingfinal-rulesamendments-equal-credit-opportunity-act-regulation-b-ethnicity-and-race-information-collection

The Global LEI Foundation website to obtain an LEI httpswwwgleiforgenlei-datalouservicesissue-new-lei



Sample Data Collection Formhttpss3amazonawscomfilesconsumerfinancegovfdocuments201708_cfpb_hmda-sample-data-collection-formpdf

URLA - Demographic Information Addendum (dated 92017 ndash for use with current URLA)httpswwwfanniemaecomcontentguide_formurla-demographic-addendumpdf

New URLA (Not for Current Use) httpswwwfanniemaecomsinglefamilyuniform-residential-loan-application

Data Submission Resources for HMDA Filershttpswwwconsumerfinancegovdata-researchhmdafor-filers

Loan Application Register (LAR) Formatting Toolhttpswwwconsumerfinancegovdata-researchhmdalar-formatting-tool

CFPB Loan Scenarios (August 2017)httpswwwconsumerfinancegovdata-researchhmdastaticfor-filersHMDA-Loan-Scenariospdf


Register at wwwcracolloquiumcom


Resources from Wolters KluwerTechnology Solutions CRA Wiz for data management

analysis and submission HMDA Wiz for data management

analysis and submission Fair Lending Wiz for analysis Browser Based Editing (BBE) for

mortgage and community development data management

CRA and Fair Lending Wiz Dashboards of compliance goal management

OneSumX for Compliance Program Management

Consulting Services

Staff and Board Training HMDA Submission Services HMDA Data Scrubs HMDA Risk Assessment Fair Lending Risk Assessment with Expanded

HMDA Data Compliance Management System (ldquoCMSrdquo)

Review Fair Lending Analysis Risk Assessments Compliance Program Diagnostic ServicesGap

Analysis Data integrity Review CFPB and Bank Regulatory Exam Preparation and

Remediation Regulatory training Business Process Outsourcing (BSP) for HMDA

CRA and Fair Lending reporting and analytics Visit our HMDA Resource CenterwwwwolterskluwerfscomHMDA

Additional Information visit our website or call 800-261-3111


Polling Question 5

Would you like a representative from Wolters Kluwer to reach out to you to discuss consulting services or technology solutions for managing HMDA

Yes to discuss consulting services Yes to discuss technology solutions Yes to discuss BOTH consulting amp technology Not right now but perhaps after Thanksgiving We plan to keep the WK resources in mind for HMDA

preparation submission and future analysis

4 Coming December 7 2017HMDA Final Pit Stop Fuel Up and Be Ready for 2018

Chances are your institution is ready to submit to the new CFPB HMDA portal by March 1 2018 and start collecting the expanded HMDA data fields on January 1 2018 But there might be some last-minute surprises Our team will give you any last-minute tips and updates to get you ready for the new HMDA requirements Now is the time to validate detailed HMDA data collection and validation procedures and ensure you are prepared for the transition to 2018 Institutions will also want to demonstrate that your HMDA Compliance Management System (CMS) is solid Prepare now and be ready to take a holistic view of the new HMDA regulationThis webinar will coverbull Last Minute Surprisesbull Checks Balances amp Controlsbull How to update your CMS for the new HMDA regulations


Questions


HMDA Road Trip Get Directions Before Navigating the Expanded Data Fields Including the GMI October 4 2017





Notice



Why is HMDA Data Important

Slide Number 10

HMDA Institutional Coverage - Who Must Report

Polling Question 1


2018 Expanded Data Field Changes

Awaiting More HMDA Changes

HMDA Recent Updates







Preparation for 2018 Data Collection

Polling Question 2

Results from June and August HMDA Webinars





New CFPB ldquoHMDA Platformrdquo









Are You Ready

Polling Question 3









Fair Lending Data Analytics ndash GMI Permutations



Polling Question 4



2017 Product Release Schedule








HMDA Amendments ndash Misc







Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12




Additional Resources




Resources from Wolters Kluwer

Polling Question 5


Questions

Application Data Loan Information Property Information

Applicant Information Loan Information Property Information

Race Loan Property Type

Ethnicity Application Received Date MSA

Gender Loan Type State

Income Loan Purpose County

Lien Status Census Tract

Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons

1 June 29 2017HMDA The Ultimate Road Trip - Pre-Trip Checkup for the Basics You Need to Know Now

2 August 22 2017 HMDA at the Crossroads Submissions and Scrubs

3 Today October 4 2017HMDA Road Trip Get Directions Before Navigating the Expanded Data Fields Including the GMI

4 December 7 2017HMDA Final Pit Stop Fuel Up and Be Ready for 2018

Additional WK Resources (including recordings) wwwwolterskluwerfscomHMDA







Introductions












Notice


































Polling Question 1






















HMDA Recent Updates














17






Action Date NMLS

18







19
















20





























Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons






Introductions












Notice


































Polling Question 1






















HMDA Recent Updates














17






Action Date NMLS

18







19
















20





























Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons







Notice


































Polling Question 1






















HMDA Recent Updates














17






Action Date NMLS

18







19
















20





























Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons





























Polling Question 1






















HMDA Recent Updates














17






Action Date NMLS

18







19
















20





























Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons




















HMDA Recent Updates














17






Action Date NMLS

18







19
















20





























Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons









17






Action Date NMLS

18







19
















20





























Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons






Action Date NMLS

18







19
















20





























Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons


19
















20





























Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons


20





























Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons






















Polling Question 2






Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons




Yes 14 9

Somewhat 50 59

No 28 28

Not applicable 8 4




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons




















































Are You Ready









Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons

Polling Question 3








institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons






institution

















Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons













Sheet1

Sheet1 (2)























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Action Taken

Action Date

HOEPA Status

Type of Purchaser

Denial Reasons























of that countrdquo






VS









Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions






Male Female Joint













Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions








Polling Question 4





54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions



54


2016



2017


2018







































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions





































































Donrsquot forget





Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions


Version 32Contains





WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions



WK Guideline 1



HMDA Appendix B




WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK GMI Guideline 2a

WK GUIDELINE 2a







WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK GMI Guideline 2b

WK GUIDELINE 2b





WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK GMI Guideline 3

WK GUIDELINE 3
















WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions











WK Guideline 4

WK GUIDELINE 4






WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK Guideline 5

WK GUIDELINE 5








WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK Guideline 6

WK GUIDELINE 6




Appendix B






81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions




81

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK Guideline 7

WK GUIDELINE 7





WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK Guideline 8

WK GUIDELINE 8





WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK Guideline 9

WK GUIDELINE 9



maximum of 5


Appendix B




WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK Guideline 10 a







WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

WK Guideline 10 b

WK GUIDELINE 10 b




Appendix B









WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions







WK Guideline 12

WK GUIDELINE 12

















































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions











































Consulting Services









Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

Polling Question 5







Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions




Questions







Notice




Slide Number 10


Polling Question 1




HMDA Recent Updates








Polling Question 2















Are You Ready

Polling Question 3












Polling Question 4


















Donrsquot forget




WK GMI Guideline 2a

WK GMI Guideline 2b

WK GMI Guideline 3


WK Guideline 4

WK Guideline 5

WK Guideline 6


WK Guideline 7

WK Guideline 8

WK Guideline 9

WK Guideline 10 a

WK Guideline 10 b

WK Guideline 11

WK Guideline 12









Polling Question 5


Questions

Applicant Information		Loan Information		Property Information

Race		Loan		Property Type

Ethnicity		Application Received Date		MSA

Gender		Loan Type		State

Income		Loan Purpose		County

	Lien Status		Census Tract

	Action Taken

	Action Date

	HOEPA Status

	Type of Purchaser

	Denial Reasons

hmda road trip: get directions before navigating … road trip: get directions before navigating the...

Documents

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)

Sheet1

Sheet1 (2)