Reduce compliance from weeks to days while eliminating costly submission rejections. Comply automates your entire workflow—data import, geocoding, edit checking, rate spread calculations, and FFIEC submission—with 39 years of regulatory expertise built in. Save hundreds of hours annually and guarantee regulatory-ready data every filing cycle.
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For over 39 years, RATA Associates has helped hundreds of institutions successfully submit millions of applications for Regulation C (HMDA), Regulation BB (CRA), and Small Business Lending (SBL 1071). Our software eliminates submission rejections, catches errors before filing, and ensures your data meets FFIEC validation requirements every year.
Comply handles every step of your HMDA/CRA/SBL workflow: automated data import from your LOS, 95%+ accurate geocoding, real-time edit checking against FFIEC validation rules, automatic rate spread calculations with weekly updates, and one-click submission file generation. Stop juggling spreadsheets and manual processes—Comply guarantees error-free filing while saving your team hundreds of hours annually.
Built on Microsoft .NET and SQL Server, Comply offers enterprise-grade reliability at a cost-effective price. Import millions of records in minutes, process complex geocoding instantly, and generate submission files with confidence.
When you call for support during business hours, you'll always talk to a person—never a menu system. Most issues are resolved immediately by experts who know both the software and the regulations. We'll walk you through implementation, set up your import definitions, convert historical data, and get you up-and-running in a day. You focus on compliance strategy; we handle the technical details.
Last updated: January 14, 2026
Reduce HMDA compliance from weeks to days while eliminating costly submission rejections. Comply automates data import, geocoding, edit checking, and FFIEC submission—saving your compliance team hundreds of hours annually and ensuring regulatory-ready data every filing cycle.
Stop manual data entry and eliminate transcription errors. Comply's intelligent Import Wizard automatically maps fields from any loan origination system—including Fiserv, FIS, Jack Henry, and custom platforms. Import your complete LAR in minutes with built-in data validation that catches errors during import, not after submission. Supports full file imports, incremental updates, and field-level corrections with automated data transformation using SQL.
Eliminate costly FFIEC rejections and resubmissions. Comply includes every FFIEC Validity and Quality edit check, automatically validating your LAR before submission. Run edit checks anytime to identify and fix data issues immediately—not after the CFPB rejects your file. Mark Quality edits as "QC Verified" to streamline your review process. When your edit check report shows zero errors, your submission is exam-ready and guaranteed to pass FFIEC validation.
Stop manual rate spread calculations and spreadsheet errors. Comply automatically calculates HMDA rate spreads using the correct methodology—either Treasury Securities or APOR—based on each loan's characteristics. FFIEC rate tables update automatically every week, ensuring you always use current data without manual downloads or table updates. Calculate rate spreads for your entire portfolio in seconds with complete accuracy and audit trail documentation.
Avoid geocoding errors that trigger FFIEC rejections. RATA's proprietary Compliance-grade geocoding delivers 95%+ accuracy using multiple data sources and validation layers—far exceeding commercial geocoders. Process your entire LAR in batch mode or geocode individual applications in real-time. All geocoding happens instantly on RATA's secure servers with automatic updates to Census Bureau TIGER data, so you're always working with current boundaries without any software maintenance.
When viewing and editing data in Comply you have two basic views: the Application View which shows all information for one record at a time, and the List view which shows you the data in an Excel type of data grid.
The Application View is a great way to see all of the pertinent data for a single application on one screen. Because of the number of fields, the application data is broken up into tabs to group information. You can view LAR data, Geocode data, User Field data, and a multitude of Fair Lending tabs of data.
The List View offers you the opportunity to look at multiple applications at the same time. This is great for spotting trends or looking for multiple problems. With the List View, you can set up custom List View Definitions that will rearrange fields, hide fields and format fields for easy viewing. Once Views are defined, you simply select the view and you will only see the applicable fields! Some examples could be to show only fields related to address and geocodes, Rate Spread fields, LAR-only fields, etc.
With the Comply Suite in general, you can filter your data down to whatever you need. You can run field filters, demographic filters, geographic filters or any combination thereof. Filters can be created through Wizards or through scripts for advanced users. You can also click on the Field Properties option that will show you how many records of each type are in a particular field. Then click on one of those options to go to that group of records! For example, you click on the Field Properties for Loan Type and the system displays how many applications you have for each loan type. Then if you want to view the Conventional Loans, just click on the link. It's that simple!
In addition to extensive Filter capabilities, Comply HMDA/CRA/SBL also has extensive Sorting capabilities. Sorting is typically more noticeable in the List View but works in either. You can sort on any field in Comply by simply clicking on the header of that column in the List View. You can also create multi-tier sorts by clicking on the Sort Icon then selecting the fields you want to sort by, similar to the way Excel does it.
Stop fixing errors one record at a time. Global Operations let you update thousands of applications instantly—perfect for correcting systematic data issues or applying regulatory changes across your entire LAR. Filter to your target records, then apply changes in seconds with complete audit trail tracking. Role-based security ensures only authorized users can perform batch updates, and the Event History logs every change for compliance documentation.
Submit with confidence—no more rejected files or missed deadlines. The Submission Sentry performs a final comprehensive validation to ensure your LAR is 100% edit-free and fully geocoded before file creation. Comply generates submission files in exact CFPB format with all required data points, ready for direct upload to the FFIEC. The guided wizard walks you through every step, and your submission file passes FFIEC validation the first time, every time.
In addition to helping you collect and process your data, Comply HMDA/CRA/SBL also lets you Analyze your data. You can prepare Disclosure Tables, Performance reports, Assessment Areas Reports, Trend Analysis, Official Reports and much more.
If the multitude of reports in the Report Manager are not what you are looking for, then you can use the Custom Tables and Charts option to design your own custom reports. You can create up to two tiers on both the X and Y axes of LAR, Geographic or Demographic fields. You can also create Custom Tables for analyzing the demographic profile of your Assessment Area(s)!
Sometimes a picture is worth a thousand words and mapping can be that picture! With our optional mapping component you can map your Assessment Areas, shade the tracts by demographic characteristics, overlay Branches, ATM's, deposits and loan information as layers to show how well you are serving the needs of your different communities and neighborhoods.
Free your compliance team from repetitive monthly tasks. Auto-Pilot automates any Comply workflow—data imports, geocoding, edit checks, report generation, and more—running on your schedule without manual intervention. Schedule quarterly CRA reports, monthly HMDA updates, or weekly edit checks that run automatically overnight. Create automation scripts using the intuitive wizard, then reuse them as templates. It's like adding a tireless compliance assistant who works 24/7 without breaks, errors, or vacations.
When you log into RATA Comply you will automatically be taken to the Start Page. The Start Page contains Current News, Spotlight Features, Resources and Recently Applied Files. The Start Page is updated via an RSS Feed, so you are always informed and up-to-date on RATA activities!
One of Comply's most unique features is the multi-tab functionality. You can have multiple views of data, reports, maps and much more all open at the same time. Each Tab contains its own history and all are context sensitive. You can close individual tabs or close tabs by type.
One of Comply's most powerful features is the ability to make the Geocoding and system data updates seamless and effortless for the user. With Comply the Auto-Update process will automatically transfer Geocode files to and from our server so that you don't have to manually upload and download the files. For institutions that may have firewall issues or restrictions, this process can still be done manually. System Data such as Treasury Rate Tables, Demographic Data updates, etc. are also automatically pulled to your system and a user can simply click 'Update' to update the system data.
The Definition Manager and Report Manager in Comply is a powerful and easy way to manage your definitions and reports. The Comply managers will allow you to create, edit, categorize, move and assign definitions and reports in a consistent and easy way.
Handling Duplicate Applications is a task that must be handled somewhere. There are advantages and disadvantages to the different methodologies, but Comply can handle all scenarios. You can identify Duplicate Applications based on the standard which is Application Number and resolve all of the dupes in either a one by one mode or a batch mode if applicable. To take it one step further you can search for dupes on any field. If you want to identify applications with the same address, simply run the Dupe Check utility on the Address Field and Comply will show only records with the same address in multiple records!
With the Comply system, individual components (HMDA, CRA, SBL and Fair Lending) are centrally located in the Data Manager allowing seamless access to all data stored in the Comply Database. In addition to standard features available to all components, Comply also makes available certain component specific features based upon your selection in the Date Manager.
With all of the components being accessed from one icon, there became a need to enhance the User Rights and Privileges within the system. Now with User Access, you can define User Groups for each component and assign access rights for each component. When creating custom User Groups you will have full access to customize permissions any way you like. Comply also supports Windows Authentication for automatic sign in.
Comply includes data importing from any origination system, compliance-grade geocoding with 95%+ accuracy, automated FFIEC edit checking, rate spread calculation, assessment area mapping, custom reporting, and direct FFIEC submission capabilities. The software handles HMDA, CRA, and SBL 1071 reporting in a single integrated platform.
Yes, Comply includes a dedicated SBL (Small Business Lending) module to handle Section 1071 data collection and reporting requirements for all phases of CFPB implementation. The SBL module includes owner demographic tracking, application-level data management, and CFPB-compliant submission file generation.
The HMDA filing deadline is March 1st annually for data collected in the previous calendar year. Comply software helps institutions prepare and submit on time with built-in validation, automated geocoding, and comprehensive edit checks that identify issues before submission.
Yes, Comply's flexible Import Wizard supports data from any origination system including Fiserv, FIS, Jack Henry, Finastra, and custom systems. The wizard handles fixed-length files, delimited files (CSV, tab, pipe), and direct database connections with field mapping and data transformation capabilities.
See how Comply software streamlines compliance and saves time
| Task | With Comply Software | Manual Process |
|---|---|---|
| Geocoding | Automated batch processing with 95%+ compliance-grade accuracy. Census tract, MSA, and county assignment in minutes. | Manual lookup using Census Bureau tools. Hours of work, frequent errors, inconsistent results. |
| Edit Checking | All FFIEC validity and quality edits run instantly. Errors identified before submission with clear explanations. | Manual review after FFIEC submission rejects your file. Resubmission delays, compliance risk. |
| Rate Spread Calculation | Automated calculation using current APOR tables updated weekly. Handles both old and new methodologies. | Manual calculation using FFIEC tools or spreadsheets. Risk of using outdated rate tables. |
| Data Import | Import Wizard supports any LOS format. Field mapping, data conversion, and validation in one step. | Manual data entry or complex spreadsheet manipulation. High error rate, time-consuming. |
| Submission File Generation | One-click FFIEC submission file creation in correct format. Validated before export. | Manual file formatting with text editors. Format errors common, submission rejections frequent. |
| Time to File | Days from data collection to submission | Weeks or months of manual work |
| Audit Trail | Complete change history, user tracking, and documentation for examiner review. | Manual documentation, incomplete records, difficult to reconstruct decisions. |
| Annual Updates | Automatic regulatory updates, edit check changes, and new MSA/tract boundaries included. | Manual research and implementation of regulatory changes. Risk of missing critical updates. |
Trusted by financial institutions nationwide for compliance excellence
Margaret Dolinger
TCA
"RATA provides the tools and resources to assist with lending pattern analysis for fair lending and CRA to maintain appropriate monitoring and reporting. The staff at RATA are helpful and will provide assistance quickly when needed."
May 25, 2022
Scott Shie
River Funding Corporation
"The folks at 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 recommend RATA and COMPLY to anyone who is considering this company and product."
December 10, 2016
Mark Mitchell
Panhandle State Bank
"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."
August 23, 2016
See how Comply HMDA/CRA/SBL streamlines data collection, edit checking, geocoding, and reporting—saving you time and reducing submission errors.
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