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RATA Associates has been
working with HMDA and CRA
for over 20 years. Let us show you
how Comply HMDA/CRA can help you
reduce the time, cost and compliance
burdens associated with HMDA
and CRA reporting.
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Fair Lending risk has been
complicated and costly to monitor,
until now! RATA's Fair Lending
tool offers you robust functionality
and technology at an affordable price.
But what really makes Comply Fair
Lending stand out is that it makes Fair
Lending monitoring easy!
Let us show you how.
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The Comply Peer-2-Peer product
is a web-based tool designed to
quickly show you how your institution
stacks up to the competition. Within
minutes you can see how you rank,
what your market share is and how your
closest competitors are doing.
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When it comes to compliance
mapping, Comply’s mapping
engine makes it easy. An average
user can create custom maps in
minutes, by stepping through our
powerful Mapping Wizard. Maps can
show assessment areas, loan
penetration and much more.
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RATA Associates is the hands
down leader when it comes to
cost effective Compliance-grade
geocoding. Utilizing multiple
geocoders, data sources and pro-
prietary methodologies, RATA
Associates returns the highest hit rates
and precision levels. Nobody goes
through more effort than RATA!
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Cost-effective Compliance Software & Service Solutions
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HMDA / CRA
As an alternative to the in-house software solutions, for many institutions, we also offer outsource services for your HMDA and/or CRA reporting responsibilities by way of RATA's Full-Service Processing compliance solution. When hiring RATA Associates, you can be confident that your HMDA and/or CRA reporting will be right…the first time, and every time. Let us show you how we can help.
Learn more about HMDA & CRA... -
Fair Lending
Comply Fair Lending is a robust software solution based on the FFIEC Fair Lending Examination Procedures and is the simplest and most cost effective way to monitor potential risk associated with lending performance. It is designed to create a "snapshot" of your HMDA and/or CRA data either by importing the data or copying a filtered subset of the data from a Reporting Entity within the system.
Learn more about Fair Lending... -
Geocoding
GeoPlus is RATA's premier Compliance-grade geocoding solution for HMDA/CRA reporting institutions of all sizes. It's the answer to your institution's geocoding needs if you prefer to outsource this processing rather than internally purchase a geocoder; train an experienced staff of geocoding analysts; and maintain address reference data, Census Tract books and maps.
Learn more about Geocoding... -
Testimonials
“Would highly recommend both the product and the personnel!! Being able to accomplish what I did in such a short period of time is a testimonial to the product's user friendliness as well as the support I received from the great folks at RATA. Could not have done it without them!!!”
- Judy A. Edwards
Greer State Bank
“I wanted to let you know that RATA and Comply is the absolute best!!! My submission is complete and was accomplished in record time. I more than doubled the amount of activity I reported last year and it took me less than half the time. Thank you for being there for us and the industry! You are and always will be number one to me!!!”
- Paul D'Agostino
TruHome Solutions
“The support has been exceptional. The program is very easy to use. RATA has been one of the best companies I have dealt with in my 25 years of banking. Their service has exceeded my expectations.”
- Mark Mitchell
Panhandle State Bank
“The folks a RATA were outstanding. Every time I had a question, I would speak to someone who either knew the answer immediately or could provide the answer within a very short period of time. Everyone I spoke with knew their product, industry and was willing to do whatever it took to help us solve our problem. I would highly reccomend RATA and COMPLY to anyone who is considering this company and product.”
- Scott Shie
River Funding Corporation
Comply HMDA/CRA
Thursday, November 15, 2012
RATA Comply Update 12.1 now available!
The update is currently available for download on the Support Site.- Product Overview
- Download Brochure
- Download Comply for Beginners
- Web Demo via GoToMeeting®
Comply Fair Lending
Comply Peer-2-Peer
Comply 477
Comply Mapping
Mapping
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.
More Info...
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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QuickPoint™
Welcome to QuickPoint, RATA's innovative on-line geocoder. We have created QuickPoint to help meet your immediate geocoding needs for a limited number of addresses.
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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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.
Learn More...
Live RATA Support
Chat with us online to get an immediate response to any questions you may have.
Chat Live
Comply News
- April 15, 2013
Advisory: Filter Issue with Comply Version 12.1 - March 18, 2013
Need Help Creating your South Carolina Submission File? - March 12, 2013
2012 Submission Season Recap and Comply 2013
Regulatory News
- February 28, 2013
Revised Delineations of Metropolitan Statistical Areas, Micropolitan Statistical Areas, and Combined Statistical Areas, and Guidance on Uses of the Delineations of These Areas - February 28, 2013
OMB Announcement - Revised Delineations of MSAs - February 13, 2013
Consumer Financial Protection Bureau lays out implementation plan for new mortgage rules
Industry News
- August 21, 2012
'Disparate Impact' Doctrine Is Vital for Fair-Lending Exams - August 21, 2012
Wells Fargo Settles Lending-Bias Cases - August 21, 2012
GFI Moves to Dismiss DOJ Fair Lending Suit
Newsletter
- March 6, 2013
Special Pricing Offer for You on RATA Comply Software for HMDA, CRA and Fair Lending - December 19, 2012
Happy Holidays from Team RATA - September 21, 2012
2011 HMDA Peer Data is Now Available to Comply Peer-2-Peer Customers - December 21, 2011
Happy Holidays from Team RATA
Press Releases
- October 25, 2010
RATA Associates Provides Mortgage Lending Institutions with Competitive Analysis Capabilities through the Availability of 2009 HMDA/CRA Data for Comply Peer-2-Peer - October 5, 2010
RATA Associates Announces Availability of Auto Pilot Component for Comply Suite - September 2, 2010
RATA Associates Announces 2010 Demographic Data Update for Comply Suite
RATA In The News
- March 17, 2011
Geocoding as a Service - February 9, 2011
Viewpoint: Higher Profile and Costs for Fair Lending - December 3, 2010
Viewpoint: Get Data Ready for Changes in CRA
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
- John R. Woloshen
Founder and Chief Executive Officer - John A. Woloshen
Executive Vice President and Chief Operating Officer
Press Contacts
For all press-related inquiries please contact:
- Mary York
(678) 781-7221
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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