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| What act works in conjunction with HMDA? |
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| The community reinvestment act. |
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| What is HMDA also known as? |
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| What does HMDA require lenders to report? |
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| Ethnicity, race, gender, and gross income of mortgage applicants and borrowers. |
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| When must institutions report the rate spread between the APR on a loan and the yield on comparable Treasury securities? |
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| If the spread is equal to or greater the 3 percentage points for first-lien loans, or equal to or greater than 5 percentage points for subordinate-lien loans. |
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| Where must HMDA reporting data be publicly available? |
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| How long must a financial institution retain its full HMDA-LAR for? |
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