2019 HMDA Peer Data is Available

Added on June 29, 2020

The CFPB has released the 2019 national HMDA peer data as of June 24th. RATA downloaded the data and quickly began formatting it for use in the Comply software. As of today (June 29) the data is ready for release to Comply customers. RATA will not be updating the Peer website with the 2019 data. As we previously announced, we have deprecated the old Peer website and have moved all of the Peer data and analysis functionality into the Comply 19.1 software update. To download the data for use in Comply, simply go to the site and download the 2019 HMDA Peer Data file. Then import the data into Comply using the Import System Data icon on the Home Ribbon. There is a training video to show you how to download and import the data into Comply, and there is also a Peer…

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Comply Version 19.1 Update has been released

Added on May 12, 2020

Now that submission season is officially over and many of you are now analyzing data and starting your 2020 processing, we are happy to announce that a new version of Comply (version 19.1) is now available for download on our support site As usual this version contains some nice enhancements and new functionality as well as fixes to previously reported issues. A full list of enhancements and fixes can be found in our Changes document but here are some of the key new features. Key New Features (in no particular order) Date Expression in the filter designer where you can filter by quarter and month without needing a year so that these filters don't need to be copied each year to use. This is very handy for setting up non-year specific filters of your data and…

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2019 Modified LAR Data Release and Improved Peer-2-Peer in Comply

Added on April 3, 2020

As many of you may have noticed, the 2019 Modified LAR data was released by the CFPB/FFIEC on March 31st. While this information is useful for analyzing individual institution data, there is no transmittal information to help select your peer groups. If you know the name and LEI of one of your peers that you would like to analyze, you can download the individual data and load to a reporting entity in Comply. We have an Import definition that should help you with this.  The National Aggregate Dataset is the data we use to populate the Peer-2-Peer system with all of the reporters' data. This data includes the necessary respondent information in addition to the LAR data itself. We have attempted in the past to utilize this early release of the data, but what we found was that the data…

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Quarterly Submission Information for Required Institutions

Added on March 13, 2020

Beginning January 1, 2020, the 2015 HMDA Final Rule requires quarterly reporting for financial institutions that reported a combined total of at least 60,000 applications and covered loans, excluding purchased covered loans, for the preceding calendar year. Thus, in addition to their annual data submission, these larger-volume reporters will submit HMDA data for each of the first three quarters of the year on a quarterly basis.  If you meet the criteria for quarterly submissions, Comply is ready for you to begin that process. Simply follow the same processes you would for your annual submission process, perform geocoding operations, rate spread calculations, edit checks, etc...   Once you are ready to submit, simply go through the submission wizard and Comply will…

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RATA Support Hours and HMDA/CRA Submissions

Added on February 28, 2020

Hope all is going well with your HMDA and/or CRA submission(s). You have until end of day Monday, March 2nd to get your files submitted and be considered "on time". If you are still processing your file or just starting, you are really pushing it to the edge. We have been eagerly awaiting your call and most likely have already attempted to contact you to see if we can help. So if you are looking for help we have some good news and some bad news for you. First the bad news – RATA Associates is not doing support over the weekend. There just hasn't been the need or demand for it this year. But, we will point you to some reference materials below that should answer most of your questions. The good news – We still have all day Monday to help you with any problems or last-minute…

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