Archives: 2022

FFIEC Releases CRA Peer, Performance Evaluation and Market Share Data

Added on December 19, 2022

The CRA Peer, Performance Evaluation, and Market Share data are now available for use in Comply. The 2021 CRA Aggregate and Disclosure data, used for CRA Peer analysis, was released on Thursday, December 15th. This year, like the last couple of years, there was a major delay in the release of this data. This data used to be released within a month or so of the HMDA peer data, which was released on June 22nd. Although it is extremely late from the government, RATA has completed the process of converting the data for use in Comply. The name of this file is PEERCRA21. The peer data always needs to be manually downloaded from the RATA Support Site and imported into Comply, using the Import System Data function, as these files are very large in size. For this reason, we recommend that you only…

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Comply 22 Is Now Available

Added on November 16, 2022

We are happy to announce that Comply 22 is now available on our support site for download. This version of Comply contains all of the latest edit and submission changes needed to submit your 2022 HMDA and CRA data. It also contains the new 2023 reporting year so you can start to collect and prepare for the 2023 submissions as well. A changes document will soon be posted to the support site and made available on the Start Page so that you will know what is fixed, updated, and added to this latest version. Because this is a submission version, it is mandatory and critical that you apply this update before performing your 2022 submission. It should be installed at your earliest convenience so that there are no surprises with new or updated edit checks. RATA Hosted Services (RHS) is RATA's…

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Hurricane Nicole impact on RATA Associates' business operations

Added on November 9, 2022

As you should be aware, a Hurricane is closing in on Florida again on Thursday, November 10th. RATA is prepared for the storm and it should not have any effect on any client operations. RATA employees will be working remotely as long as they have power and internet. If you have a support issue please email our general If you have a support call, you can try a direct extension or the main voicemail. Unfortunately, you may not get your issue resolved on that day but we will do our best. We apologize for any inconvenience, but it is out of our control (literally). We hope to be up to full operations on Friday, but that will depend on power, damage and flooding. We will keep you posted the best we can. Thank you.


Hurricane Ian impact on RATA Associates' business operations

Added on September 27, 2022

"Hope for the best and prepare for the worst." - As you have likely become aware, the state of Florida is presently expecting the effects of Hurricane Ian. Please exercise patience in attempting to contact us for the remainder of this week. All services we provide (geocoding, Auto-Update, QPWS, RHS) will not be affected by the storm. Email may be the best form of communication during this time, as phone connections may be spotty. If you need technical support, please send an email to or call and leave a message.  (Paul x208; Kelly  x205;  David  x204). We will be working remotely Wednesday (September 28th) and Thursday (September 29th), and potentially Friday (September 30th) dependent upon the storm's path and movement through our area. As…

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RATA Releases FFIEC 2022 Demographics Phase 3

Added on September 16, 2022

This release is the second release of the flat file. It appends the ACS fields to the previously released Redistricting demographic fields. In calendar year 2023, the 2022 FFIEC Census flat file will be updated for a third time. The missing demographic fields from the earlier releases will be backfilled with the Decennial Census Demographic and Housing Characteristics (DHC, formerly known as SF-1) files. Currently, the DHC file release is tentatively scheduled for 2023. The third and final version of the FFIEC Demographic data is now available on the RATA support site. Please read the important information below. Important note about concerns RATA has regarding the released data On August 26th, the final phased release of demographic data was published. RATA downloaded the data…

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HMDA Peer Data for Peer2Peer using the Revised Race, Ethnicity and Sex Groupings for 2018-2021

Added on August 1, 2022

The CFPB released specifications on GitHub in October 2020 regarding changes to the derived categorization of Race, Ethnicity and Sex groupings for reporting years 2018 and up. We made a minor change to address this in the Comply version 21.1 release which affects a small percentage of data for a very specific situation. This update corrects situations where previously, if someone classified themselves as 2-Asian and 24-Japanese, we would calculate that as 2 or more minority races. The new calculation would classify this as 2-Asian. The same goes for ethnicity sub-categories. Also, if someone classifies themselves as both male and female, the sex would be calculated as Joint. We have now updated the HMDA peer data for use in Peer2Peer to use the same calculations. This data is now…

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CFPB, DOJ Order Trident Mortgage Company to Pay More Than $22 Million for Deliberate Discrimination Against Minority Families

Added on July 27, 2022

CFPB, DOJ Order Trident Mortgage Company to Pay More Than $22 Million for Deliberate Discrimination Against Minority Families

Settlement is the first government resolution involving illegal discrimination by a nonbank mortgage lender Washington, D.C. – Today, the Consumer Financial Protection Bureau (CFPB) and U.S. Department of Justice (DOJ) took action to end Trident Mortgage Company's intentional discrimination against families living in majority-minority neighborhoods in the greater Philadelphia area. The CFPB and DOJ allege Trident redlined majority-minority neighborhoods through its marketing, sales, and hiring actions. Specifically, Trident's actions discouraged prospective applicants from applying for mortgage and refinance loans in the greater Philadelphia area's majority-minority neighborhoods. If entered by the court, the settlement, among other things, would require Trident to pay a $4 million…

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Getting the Most Out of Comply Webinars

Added on July 15, 2022

Over the next few months RATA will offer a number of free webinars to existing clients to better illustrate the power and flexibility of the Comply Suite of compliance tools.   Over the years the Comply software has evolved and become even more powerful.  New components and functionality have been added with each new version released and sometimes it is hard for customers to appreciate and utilize the full potential of the software.  During routine support calls we have noticed that the majority of clients are doing things in ways that are not taking advantage of key features and functionality of the latest software. For these reasons, we felt it would be in the best interest for all parties involved to go through the key functions of Comply, walk through the basics…

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Comply 21.1 update is now available

Added on July 6, 2022

Since the release of Comply 21.01 in mid-November 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, which include:  Restructuring of the manner in which User Fields are stored Updates to the Combined Ethnicity, Race and Sex fields to properly use the new values added with the 2018 HMDA changes  Implementation of a Geocoding Dashboard that allows clients to see in real-time both the volume of records and when they were sent to RATA for geocoding  Addition of Originated and Denied variations of the Peer2Peer Dataset Comparator reports – and more… For more details and a complete list of changes, please see the changes document, located on the Start…

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2021 HMDA Peer Data Official Release is Available

Added on June 22, 2022

The CFPB has released the official 2021 national HMDA peer data as of June 16th. RATA downloaded the data and quickly formatted it for use in the Comply software, making sure to match all Institution IDs with the preliminary data that was released on March 29th. 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 potentially release updates to the 2021 HMDA data based upon re-submissions, late submissions etc. and we intend to review the extent of any changes periodically to see if updates are warranted. To download the data for use in Comply, simply log on to the support site ( and go to…

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RATA Releases NON-OFFICIAL 2021 HMDA Peer Data

Added on March 29, 2022

As stated in the previous article (below), we have downloaded the individual 2021 Modified LAR data from the CFPB, combined it, reformatted it and merged it with last year's transmittal data for searchability. We have tested to make sure the numbers look reasonable and believe them to be correct for now, but there are normally resubmissions and changes to the "official" data that is usually released by the CFPB in June. This data can be downloaded from the RATA Support Site. Note to RHS Users: There is no action that needs to be taken on your RHS system. The temporary peer data is available in RATA Hosted Services (RHS). Important: There was an increase in the HMDA volume this year and there are now over 26 million applications and the data and will be over 16G added to your Comply…

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FFIEC Releases Timeline for 2022 Census and Demographic Data

Added on March 18, 2022

On March 18th, the FFIEC published an alert regarding the 2022 Census and Demographic Data availability. The alert states that due to various delays, including those related to the ongoing pandemic, the release of the data for CRA and HMDA purposes was not available as planned. It further specifies a rough timeline as to when to expect each piece of the full dataset. The text from the FFIEC alert follows: Due to delays with multiple products from the U.S. Census Bureau, the FFIEC has faced challenges in releasing the 2022 FFIEC Census products. In order to respond to user needs, the FFIEC will release the various FFIEC Census products in a sequential manner as the data become available. Using the Census Redistricting Data released on August 12, 2021, the FFIEC will release a limited flat…

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RATA announces the release of the Year-End Geocode Redo file: Please apply before submitting

Added on February 1, 2022

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 application that was submitted prior to January 25th to try and improve the precision codes. 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 January 25, 2022. If you have submitted more geocoding after…

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