HMDA and CRA (Community Reinvestment Act) Reporting Software for Banks

Submit Error-Free HMDA/CRA Reports Every Time

HMDA and CRA reporting software turns a bank's loan records into the loan/application register that Regulation C requires by March 1 each year (12 CFR 1003.5), and into the Community Reinvestment Act data that CRA examiners review. Comply HMDA/CRA/SBL does both from one database. It imports from your origination system, checks each record against the FFIEC edits, assigns the census tract and writes the submission file.

Book a 30 to 45 minute demo to see it run on a sample loan file.

What you'll see in your demo: one of our compliance specialists walks you through Comply HMDA/CRA/SBL against a sample loan file, taking the whole HMDA and CRA reporting workflow from first import to a validated, submission-ready LAR and transmittal. Demos typically run 30-45 minutes and can be scheduled at your convenience. No preparation required on your end.

Your personalized demonstration covers:

• Import from your origination system: the Import Wizard maps fields from Fiserv, FIS, Jack Henry, Finastra and custom platforms, reading fixed-length files, delimited files (CSV, tab, pipe) and direct database connections.
• Every FFIEC edit check: automated validation and error checking against the current FFIEC Validity and Quality edit set, run on demand, so errors surface on your screen instead of in a CFPB rejection notice. Want to see the shape of it before the demo? Try the free HMDA edit-check validator on a single LAR row.
• Compliance-grade geocoding: 98%+ accuracy on census tract, MSA and county assignment, with Census Bureau TIGER boundaries updated for you.
• Rate spread calculated automatically: Treasury Securities or APOR methodology chosen per loan, against FFIEC rate tables that refresh every week.
• Direct FFIEC submission: Submission Sentry runs a final check for a 100% edit-free, fully geocoded LAR, then writes the LAR and its transmittal sheet in exact CFPB format.
• Managing the cycle, not just the deadline: several years and entities open side by side, so HMDA and CRA reporting is a management task spread across the year rather than a scramble in February.
• Your own questions, answered by people who work with Regulation C, Regulation BB and Section 1071 every filing cycle.

RATA Associates has been in the HMDA/CRA/SBL arena for over 39 years, helping hundreds of institutions successfully submit millions of applications under Regulation C (HMDA), Regulation BB (CRA) and Small Business Lending (SBL 1071).

How does Comply validate a LAR before transmittal?

Comply runs the FFIEC Validity and Quality edit set against the LAR on demand, as often as you want, instead of holding the check until submission. Geocoding assigns census tract, MSA and county at 98%+ accuracy, and rate spreads calculate against FFIEC tables that refresh every week. Before any file is written, Submission Sentry makes a final pass to confirm the LAR is edit-free and fully geocoded. Only then does Comply generate the submission file and its transmittal sheet in exact CFPB format.

What happens to a record that fails an edit check?

A failed edit in Comply names the field, the rule it broke and what a valid value would look like, so the record gets fixed where it sits rather than traced back through an origination system export. Validity and syntactical failures have to clear. A quality edit can be marked QC Verified where the value is correct and merely unusual, which keeps the review trail without forcing a change nobody wanted. When the cause is a mapping rather than a record, Global Operations apply the same correction across thousands of applications at once, with every change logged.

What does the demo cover in 30 minutes?

A Comply HMDA/CRA demonstration runs 30 to 45 minutes and needs no preparation on your side. A compliance specialist takes a sample loan file from first import to a submission-ready LAR: the Import Wizard mapping fields from Fiserv, FIS, Jack Henry, Finastra or a custom platform, the edit checks, compliance-grade geocoding, rate spread calculation, and direct FFIEC submission. Several years and entities stay open side by side, which is what makes the filing a task spread across the year rather than a scramble in February. The rest of the time is your own questions.

Last updated: November 10, 2026