RATA
2025 HMDA Filing: Your Complete Preparation Checklist for March 2
Status note, updated 18 August 2026. This checklist was written for the 2025 data / March 2026 filing cycle, and that cycle has closed — the dates below are kept as a worked example rather than as upcoming deadlines. The eight preparation steps themselves do not change from year to year, so the checklist is still the one to work through. For the 2026 data year, the filing deadline is 1 March 2027, which falls on a Monday and so needs no adjustment. The March 2, 2026 deadline for submitting your 2025 HMDA data is a Monday, and that is the only reason it is not March 1: the usual date falls on a Sunday this year. Whether this is your first filing or your thirtieth, working through a structured preparation process is what keeps the last week of February from turning into a…
Comply 25.01 Update is now Available
The CFPB published a validity edit change as well as the removal of a quality edit for the 2026 reporting year after we released the Comply 25.0 update. In order to get these changes, as well as a few other minor bug fixes into the hands of all users before any potential quarterly 2026 submissions, we are releasing a minor 25.01 update. If you are not a quarterly reporter or are not affected by the other bug fixes noted in the Comply changes document, then there is no need to update to 25.01 as these changes will appear in our 25.1 release later in the spring. Please contact us if you have any questions.
To all RATA Hosted Services (RHS) clients, we will be installing the 25.01 update this coming weekend, so you should not have any issues.
CRA Peer, Performance Evaluation, and Market Share Data Now Available in Comply
We are pleased to announce that the latest CRA Peer, Performance Evaluation, and Market Share data are now available for use in Comply. For On-Premise Comply Users: The 2024 CRA Aggregate and Disclosure data (also known as CRA Peer Data) used for CRA Peer analysis was released by the FFIEC/CFPB on Thursday, November 13th. RATA has completed the process of downloading and converting this data for use in Comply. The file is named PEERCRA24 and will need to be manually downloaded from the RATA Support Site and imported into Comply using the Import System Data function. The CRA Performance Evaluation and Market Share data (subsets of the Peer Data) were also compiled and released. This data is required for generating specific reports in Comply, including the CRA Performance Evaluation and…
Comply 25 Is Now Available (Mandatory Update Before 2025 Submission)
We are happy to announce that Comply 25 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 2025 HMDA, CRA and SBL data. It also contains the new 2026 reporting year so you can start to collect and prepare for the 2026 submissions as well. Comply 25 contains several enhancements and updates that will benefit all users. For CRA users, the encryption capability for the submission file has been updated to properly encrypt submission files in the manner that the FFIEC expects. Last year, following the 64-bit conversion, it was discovered that the encryption did not follow the FFIEC methodology in a 64-bit environment. Since this is corrected, CRA submissions should operate as expected for your…
2024 HMDA Peer Data Official Release is Available
The CFPB has released the official 2024 national HMDA peer data as of June 26, 2025. We downloaded the data and it was immediately apparent that it was different than in past years. Specifically, the Reporter Panel file was not produced for the 2024 dataset, which contains information regarding the institution's assets, LEI, RSSD ID and Other Lender Code. We inquired with the CFPB as to when that file might be available, and were eventually told that "The HMDA Reporter Panel for 2024 is unlikely to be produced as it is out of the operational scope authorized for HMDA Operations." With the loss of the Reporter Panel file, we had to reference other data sources to attempt to fill in the pieces absent from the data. We were able to find the LEI, RSSD ID and assets for depository…
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