{"id":137220,"date":"2025-03-16T11:05:32","date_gmt":"2025-03-16T11:05:32","guid":{"rendered":"https:\/\/peraltafinancing.com\/accounting\/quick-guide-to-hmda-partial-exemption-data-fields\/"},"modified":"2025-03-16T11:05:32","modified_gmt":"2025-03-16T11:05:32","slug":"quick-guide-to-hmda-partial-exemption-data-fields","status":"publish","type":"post","link":"https:\/\/fivemor.com\/?p=137220","title":{"rendered":"Quick Guide to HMDA Partial Exemption Data Fields"},"content":{"rendered":"<p> <br \/>\n<br \/><img decoding=\"async\" src=\"https:\/\/media.anderscpa.com\/prod\/uploads\/2025\/03\/Quick-Guide-to-HMDA-Partial-Exemption-Data-Fields-1024x512.png\" \/><\/p>\n<div>\n<p>The <a href=\"https:\/\/ffiec.cfpb.gov\/\">Home Mortgage Disclosure Act (HMDA)<\/a> requires lending institutions to collect and report vast amounts of data, but a partial exemption reduces that lengthy list for some. The Consumer Financial Protection Bureau (CFPB) outlined eligibility requirements for lenders to help determine whether the exemption applies. If you fail to fill out the proper fields, you can expect compliance issues. Conversely, if you fill out unnecessary fields, you waste valuable time that\u2019d be better spent on higher-level tasks. Review <a href=\"https:\/\/anderscpa.com\/webinar-home-mortgage-disclosure-act-refresher\/\" target=\"_blank\" rel=\"noreferrer noopener\">the list of HMDA data fields<\/a> covered by the partial exemption to help ensure your institution\u2019s reports are accurate.\u00a0<\/p>\n<h2 class=\"wp-block-heading\">HMDA Partial Exemption Eligibility\u00a0<\/h2>\n<p>If you originated fewer than 500 eligible closed- or open-end loans in the previous two years, you\u2019re not required to collect or report data fields under the partial exemption. In 2018, the <a href=\"https:\/\/www.consumerfinance.gov\/rules-policy\/final-rules\/partial-exemptions-from-requirements-of-home-mortgage-disclosure-act-under-regulation-c\/\" target=\"_blank\" rel=\"noreferrer noopener\">Bureau of Consumer Financial Protection issued a clarification<\/a> and procedural rule to implement the requirements of section 104(a) of the Economic Regulatory Relief, and Consumer Protection Act that impacted HMDA. The ruling clarified several items, including:\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>Which data points in <a href=\"https:\/\/anderscpa.com\/regulation-c-amendment-returns-hmda-threshold-to-pre-2020-levels\/?tag=banking\" target=\"_blank\" rel=\"noreferrer noopener\">Regulation C<\/a> are covered by partial exemptions\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>That HMDA reportable loans and lines of credit count toward the partial exemption threshold\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Designating a non-universal loan identifier for partially exempt transactions at institutions that choose not to report a universal loan identifier\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Confirmation that insured depository institutions and insured credit unions eligible for the partial exemption are able to report exempt data fields if they report all data fields within any exempt data point for which they report data\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Clarity on the exception to partial exemptions for a negative Community Reinvestment Act examination history\u00a0<\/li>\n<\/ul>\n<h2 class=\"wp-block-heading\">What is an HMDA Reportable Application?\u00a0<\/h2>\n<p>An application isn\u2019t HMDA reportable unless there\u2019s a dwelling. The two main types are business and commercial purpose applications. Loans or applications secured by unimproved land are excluded, unless the loan proceeds will be used on purchasing or construction a dwelling that\u2019s to be placed on the land within two years of closing. Temporary financing, which typically includes construction-only loans, is also excluded. Loans primarily for agricultural purposes also aren\u2019t HMDA reportable. \u00a0<\/p>\n<h2 class=\"wp-block-heading\"><strong>HMDA Partial Exemption Data Fields\u00a0\u00a0<\/strong><\/h2>\n<p>The following HMDA data fields are covered by the partial exemption:\u00a0<\/p>\n<ul class=\"wp-block-list\">\n<li>Universal Loan Identifier\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Credit Score and Credit Scoring Model\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Total Origination Charges\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Prepayment Penalty Term\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Introductory Rate Period\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Non-Amortizing Features\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Multifamily Affordable Units\u00a0<\/li>\n<\/ul>\n<ul class=\"wp-block-list\">\n<li>Transaction Indicators:\u00a0\n<ul class=\"wp-block-list\">\n<li>Reverse Mortgage\u00a0<\/li>\n<li>Open-End Line of Credit\u00a0<\/li>\n<li>Business or Commercial Purpose\u00a0<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p><a href=\"https:\/\/anderscpa.com\/banking-and-financial-institutions\/\" target=\"_blank\" rel=\"noreferrer noopener\">Anders Banking and Financial Institutions<\/a> advisors closely monitor the regulations most impacting the banking industry to ensure clients remain in compliance while efficiently meeting requirements. To learn more about our services, and the associated costs, request a meeting with an advisor below.\u00a0\u00a0<\/p>\n<hr\/>\n<p>Our firm provides this information for general educational guidance only and does not constitute the provision of legal advice, tax advice, accounting services, investment advice, or professional consulting of any kind. The information provided herein should not be used as a substitute for consultation with professional tax, accounting, legal, or other competent advisers. Before making any decision or taking any action, you should consult a professional adviser who has been provided with all pertinent facts relevant to your particular situation. Podcasts posted by Anders CPAs + Advisors are not intended to be used and cannot be used by any individual or business, for the purpose of avoiding accuracy-related penalties that may be imposed on the taxpayer. The information is provided &#8220;as is,&#8221; with no assurance or guarantee of completeness, accuracy, or timeliness of the information, and without warranty of any kind, express or implied, including but not limited to warranties of performance, merchantability, and fitness for a particular purpose. Please note that some content may be generated using artificial intelligence and is intended for educational and informational purposes only. In no way does listening, reading, emailing or interacting on social media with our content establish a professional relationship.<\/p>\n<p>\t\t\t\t\t\t\t\t\t\t\t<a class=\"link-back-to\" href=\"https:\/\/anderscpa.com\/insights\/\"><span>All Insights<\/span><\/a>\n\t\t\t\t\t\t\t\t\t<\/div>\n\n","protected":false},"excerpt":{"rendered":"<p>The Home Mortgage Disclosure Act (HMDA) requires lending institutions to collect and report vast amounts of data, but a partial exemption reduces that lengthy list for some. The Consumer Financial Protection Bureau (CFPB) outlined eligibility requirements for lenders to help determine whether the exemption applies. If you fail to fill out the proper fields, you [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":137221,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[11759],"tags":[11031,11603,35614,16121,2059,58758,32909,326],"dealstore":[],"offerexpiration":[],"class_list":["post-137220","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting","tag-banking","tag-data","tag-exemption","tag-fields","tag-guide","tag-hmda","tag-partial","tag-quick"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Quick Guide to HMDA Partial Exemption Data Fields - Som2ny Network<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/fivemor.com\/?p=137220\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Quick Guide to HMDA Partial Exemption Data Fields - Som2ny Network\" \/>\n<meta property=\"og:description\" content=\"The Home Mortgage Disclosure Act (HMDA) requires lending institutions to collect and report vast amounts of data, but a partial exemption reduces that lengthy list for some. 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