Archives: 2021

RATA Associates: Holidays and Staffing

Added on December 23, 2021

RATA Associates would like to wish you and your team a very Happy Holiday Season!  We would also like to let you know that due to the holidays we will have limited staffing.  Our offices will be closed on Friday 12/24/2021 and Friday 12/31/2021.

We would like to wish you a Merry Christmas & Happy 2022.  Because you're so special.. instead of 1 card we just had to send 2! 😊


RATA Ready for 2020 Census Data

Added on December 23, 2021

(Geocoding, Mapping, Demographics and Geographic Areas) In preparation for the 2022 reporting year, we have updated our geocoding systems to return geocodes for 2022 based upon the 2020 Census Tracts, as defined by the Census Bureau. We are fully ready to return the correct tracts as soon as geocoding begins in earnest for the 2022 reporting year. As part of this update, there are several aspects that affect Comply directly as follows: A Demographic Update for the 2022 reporting year has been released. This incorporates the new 2020 Census Tracts, however, there is a caveat to this data. The demographics are not yet available from the FFIEC, so in order to keep reports and other aspects of Comply operating in the familiar fashion, we have copied forward the 2021 demographic data to the…

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2020 Census Tracts and Demographics

Added on December 15, 2021

As most of you are aware, the 2020 U.S. Census occurred two years ago. When preparing for the census, the Census Bureau redefines Census Tract boundaries based upon the estimated population of an area. After the census, these new Census Tract boundaries are updated with the demographic profile of the recorded data for that area. Typically the world moves forward with the census tract changes early in the year following the census, however, the CFPB/FFIEC typically lags by a year for HMDA/CRA purposes; they require the new data and boundaries beginning two years after the census (i.e. 2022) for purposes of data collection and submission. RATA Associates has been in the HMDA/CRA arena for over 30 years now and has been through this process twice already (1990 > 2000 and 2000 > 2010). We…

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RATA Now Recommends SQL 2017 or higher for Comply Installations

Added on December 7, 2021

For technical reasons and because support has ended for SQL 2012, the Comply 21 update now requires SQL Server 2014 or higher for both new installations and updates. Microsoft ended mainstream support for SQL Server 2012 on July 11, 2017, and extended support will be ending on July 12, 2022. SQL Server 2012 has inherent security issues that necessitate migration to newer versions. Comply always supports all versions of SQL Server that are in mainstream support. We will also try to support SQL Server through any extended support period as much as possible. But support for a SQL Server version cannot be guaranteed after mainstream support ends if there are potential security issues or there are important pieces of functionality that Comply requires. Mainstream support has also ended for SQL…

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Added on November 16, 2021

IMPORTANT MESSAGE: We have identified an issue with Comply 21.0 that has necessitated a change and will result in Comply 21.01 being released tomorrow, November 17th. If you have already downloaded the Comply 21.0 update, but have not yet embarked upon installation to your production systems, it would be in your best interest to await the 21.01 update. The issue that has arisen affects the Auto-Update feature as well as import operations using Auto-Pilot. There are workarounds for the issues, but if you haven't installed yet or you can do another update we would recommend the 21.01 version. We apologize for any inconvenience this may have caused you. Please contact us if you have any questions. To all RATA Hosted Services (RHS) clients, we will be installing the 21.01 update tomorrow…

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CFPB Gives Guidance on Census Tract Boundaries for 2021 and 2022 Data

Added on October 25, 2021

The CFPB just release a statement to give guidance on what census tract boundaries to use for both 2021 and 2022 HMDA data.  The guidance is basically the same as it has been for each decennial census in the past.  Here is their text: In February 2021, the U.S. Census Bureau released the 2020 Census Data tract boundaries. As a reminder, Regulation C, 12 CFR 1003.4(a)(9)(ii)(C) requires financial institutions to provide census tract information for certain properties. To determine what to report for this data point, a covered financial institution must look to the "most recent decennial census conducted by the U.S. Census Bureau" and "use the boundaries and codes in effect on January 1 of the calendar year covered by the loan/application register that it is reporting." As a…

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CFPB, DOJ and OCC Take Action Against Trustmark National Bank for Deliberate Discrimination Against Black and Hispanic Families

Added on October 22, 2021

CFPB, DOJ and OCC Take Action Against Trustmark National Bank for Deliberate Discrimination Against Black and Hispanic Families

Trustmark to Pay $5 Million Penalty and $3.85 Million to Increase Mortgage Credit Access in Memphis Neighborhoods Impacted by Redlining WASHINGTON, D.C. — The Consumer Financial Protection Bureau (CFPB) and U.S. Department of Justice (DOJ), in cooperation with the Office of the Comptroller of the Currency (OCC), took action today to put an end to alleged redlining by Trustmark National Bank.  The CFPB and DOJ allege that Trustmark discriminated against Black and Hispanic neighborhoods by deliberately not marketing, offering, or originating home loans to consumers in majority-Black and Hispanic neighborhoods in the Memphis metropolitan area. The CFPB and DOJ also allege that Trustmark discouraged consumers residing in or seeking credit for properties located in these…

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Small Business Regulatory Enforcement Fairness Act SBREFA (1071)

Added on September 29, 2021

On September 1, 2021, the Consumer Financial Protection Bureau (CFPB) published its Summary of Proposed Rulemaking in regards to changes to the Small Business Regulatory Enforcement Fairness Act (SBREFA) as dictated under section 1071 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act). Under the proposed changes, lenders will be required to compile, maintain, and submit the type and purpose of the loan, the census tract for the applicant's principal place of business, and the race, sex, and ethnicity of the principal owners of the business, along with a number of other data points. RATA has reviewed the proposed rulemaking and found that this will coexist perfectly within Comply as a separate SBREFA component alongside CRA and HMDA, and believe that Comply…

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Version 20.11 is available for download

Added on September 1, 2021

We have just released a 20.11 version of Comply that is now available for download. This version incorporates all of the earlier 20 releases and includes a number of changes and enhancements that we felt would be useful to some clients. We will be releasing our main submission release of Comply 21.0 sometime in the beginning of November which will contain all of these changes and many more. Based on your update procedures, some of you may want to wait for that release to update. Please check the Change Log and/or Changes document on the Start Page of Comply to see all of the changes. That should help you and your team determine if this interim update should be installed at your institution. If you do want to install this update, you can download it from our support site at your…

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2020 HMDA Peer Data Official Release is Available

Added on June 28, 2021

Added on June 25, 2021 The CFPB has released the official 2020 national HMDA peer data as of June 17th. RATA downloaded the data and quickly began formatting it for use in the Comply software, making sure to match all Institution IDs with the preliminary data release on April 7th. By ensuring that the Institution IDs align with one another between these sets of data, all Peer Institution Groups created with the preliminary data will continue to work the same as before. It is the CFPB's intent to periodically release updates to the 2020 HMDA data based upon re-submissions, late submission etc. and we intend to review the extent of any changes in 3 months' time to see if any updates are warranted. During the conversion process, differences were noted between the preliminary data and the…

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Comply 20.1 is now available

Added on May 27, 2021

Since the release of Comply 20.01 in early December of last year, our team has been actively making changes and adding features to improve your Comply experience. This version brings those changes to your system once the update is applied, including: a resolution for the beeping sound some users experienced when Auto Update auto apply was enabled; the addition of QCOK reports to the CRA component; additional selections in the edit check wizard; the removal of automatic rounding for Income in CRA and HMDA; a function to identify jumbo mortgages – and many more. For more details and a complete list of changes, please see our newly-formatted changes document, located on the Start Page under Resources (also available on the support site). This new format describes the changes in more…

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RATA Support Hours and 2020 HMDA/CRA Submissions Information

Added on February 26, 2021

Hope all is going well with your HMDA and/or CRA submission(s). You have until end of day Monday, March 1st 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 "official" 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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RATA End of Year Geocode ReDo file: Please apply before submitting

Added on February 2, 2021

Thank you as always for using the RATA Comply software and Geocoding services to help with your HMDA and/or CRA submissions. As part of our efforts to ensure that you have the highest quality and most current geocode results for submission, we re-geocode every address that was submitted prior to February. We go through the file to look for improvements to any geocodes based on the precision codes and then return any improved results in the Year-End (YE) geocode update file. This file should be applied to your Comply system at your earliest convenience to assure that these improved results are a part of your submission. The YE update file will only affect records submitted before February. If you have submitted more geocoding after that date, those records will have already been geocoded…

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