RATA

Beginning January 1, 2020, the 2015 HMDA Final Rule requires quarterly reporting for financial institutions that reported a combined total of at least 60,000 applications and covered loans, excluding purchased covered loans, for the preceding calendar year. Thus, in addition to their annual data submission, these larger-volume reporters will submit HMDA data for each of the first three quarters of the year on a quarterly basis.  If you meet the criteria for quarterly submissions, Comply is ready for you to begin that process. Simply follow the same processes you would for your annual submission process, perform geocoding operations, rate spread calculations, edit checks, etc...   Once you are ready to submit, simply go through the submission wizard and Comply will…

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Hope all is going well with your HMDA and/or CRA submission(s). You have until end of day Monday, March 2nd 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 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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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 24th 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 24, 2020. If you have submitted more geocoding after…

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Rolling into 2020, RATA has unveiled our new and improved support site.  The new site offers a more modern feel as well as tightened security features.  Feel free to stop by support.rataassociates.com and check it out. We have migrated all of the old account information to the new site, but we did not keep the old passwords.  All users, the first time they log-in, will need to reset their passwords.  To do this simply click on the Forgot Password button, enter your email and the site will send you an email to enter a new password. As with all new sites, we have tested everything under normal circumstances and it all worked great, however, if you run into an issue just give us a call (407) 831-7282 and we will resolve any issues asap.  Programmers are standing by.…

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UPDATE: The CRA Peer, Performance Evaluation and Market share data is now available and can be downloaded from the support site. The 2018 CRA Aggregate and Disclosure data, used for CRA Peer analysis, was finally released on Monday, December 16. This year there was a major delay in the release of this data for some undisclosed reason. Due to the smaller volume of this data, we typically see it released a month or so prior to the HMDA data, which was released August 30. We have completed the process of converting the data for use in Comply's CRA Performance Evaluation tables and DataMine, as well as the Comply Peer2Peer website. The name of this file is PEERCRA18. The CRA Performance Evaluation table data has already been released through Auto-Updates and posted to the RATA Support Website…

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