Cost-effective Compliance Software & Service Solutions


RATA offers customized Mapping Services to its Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) reporting customers. An institution typically uses these services to visually display and help analyze their lending activity.
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Full Service Processing

If your institution prefers to totally outsource your Home Mortgage Disclosure Act (HMDA) and/or Community Reinvestment Act (CRA) reporting responsibilities, RATA's Full-Service Processing is the right compliance solution for you.
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FCC Form 477 Filing

In March 2000, the FCC adopted a semi-annual reporting requirement (FCC Form 477) to determine the extent of local telecommunications competition and deployment of broadband services.
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Support Web Site
Online Training

Visual demonstrations of how to work with all of the different features of our products.

Live Training

We are now offering “Live” training at our offices for anyone who wants to learn how to maximize the use of our Comply software.
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The Compliance Forum


Facts About RATA

Founded in 1987 by John R. Woloshen, RATA's current CEO, RATA Associates leads the industry in data compliance software and services for financial institutions. Built on Microsoft's .NET and .SQL data base technology, RATA's Comply Suite of software is the industry's most technologically advanced solution package, enabling financial institutions to achieve compliance with the Home Mortgage Disclosure...
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Corporate Overview

Headquartered in Longwood, Fla., RATA Associates has provided the financial services industry with cost-effective Home Mortgage Disclosure Act (HMDA) and Community Reinvestment Act (CRA) compliance software and geocoding service solutions for more than 23 years.
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Executive Biographies

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Press Contacts

For all press-related inquiries please contact:

  • Mary York
    (678) 781-7221
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HOEPA Status

In addition to requiring lenders to report the rate spread on certain loans, the amendments to Regulation C require for the first time that lenders report whether a loan is covered by the provisions of the Home Ownership and Equity Protection Act Amendments (HOEPA), implemented by Regulation Z in Sections 32 and 34.
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Rate Spread Calculator

RATA Associates has developed the RATA Rate Spread Calculator within the RATA Comply™ Suite to assist HMDA reporting institutions with the new Regulation C requirements for reporting Rate Spread data effective for 2004 HMDA data and forward.
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