CFPB Regulatory Implementation Team
Consumer Financial Protection Bureau

The Bureau is pleased to announce the launch of the HMDA Check Digit Tool and Rate Spread Calculator. The CFPB provides the new Rate Spread Calculator for use with data collected in or after 2018. The Check Digit Tool and Rate Spread Calculator will remain available to financial institutions throughout the 2018 collection period and thereafter to support calculation of data field values required for reporting HMDA data.

Check out the tools here: https://www.consumerfinance.gov/data-research/hmda/for-filers

We encourage financial institutions to direct any questions or feedback on using these tools to [email protected]