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RATA Associates

RATA Associates has been the trusted leader in HMDA, CRA, and Fair Lending compliance software since 1987. With nearly four decades of regulatory expertise, our team of compliance specialists helps financial institutions across the United States navigate complex reporting requirements with confidence. Our articles provide practical guidance on compliance best practices, regulatory updates, and strategies to streamline your reporting process.

New RHS Dashboard is now on Support Site (New feature for RHS customers only)

April 30, 2024 RATA Associates 4 min read

We're proud to announce the release of the new RHS Dashboard! We've added this new feature for RATA Hosted Services (RHS) Administrators, giving you the ability to log on to the RATA Support website and see a complete overview of your registered users currently within RHS. Currently this is only available on the Support website, but in October with the submission release, it will be available directly within Comply.   The first panel on the dashboard displays the User Statistics for your organization. On the first row you'll see two circular graphs depicting the Number of Registered Users vs the Maximum Number of Users Available, as well as Number of Online Sessions vs Concurrent Sessions Available. These graphs will automatically change colors as you get closer to your…

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MSA/MD and County Changes for the 2024 Reporting Year

April 2, 2024 RATA Associates 3 min read

On January 10th, the Federal Financial Institutions Examination Council (FFIEC), in conjunction with the Consumer Financial Protection Bureau (CFPB), announced that changes to Metropolitan Statistical Areas (MSAs) and Metropolitan Divisions (MDs) published by the Office of Management and Budget (OMB) on July 21, 2023, were being adopted for the 2024 reporting year. This update also incorporates the Connecticut County-Equivalent changes published by the US Census Bureau to the Federal Register on June 6, 2022. The regulators did not do the industry any favors by announcing the adoption of these changes 10 days into the reporting year. All commercial geocoders were caught off guard by the sudden change, and are currently working to bring these changes in line for geocoding purposes, but to…

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Comply 23.1 Update is now Available

April 1, 2024 RATA Associates 2 min read

Since the release of Comply 23.0 in late October 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: Auto-Update has returned to the standard secure port of 443, removing the need to whitelist and permit traffic on port 5420 Ability to create custom permission sets for SBL Ability to run custom charts and tables for SBL Additional functionality added to the Compare tool for comparing original and standardized addresses Geographic Area filtering now supports Majority and High minority tract status in addition to Substantial For more details and a complete list of changes, please see the changes document, located on the Start Page under Resources (also available on…

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CFPB Releases Preliminary 2023 HMDA Peer Data

March 26, 2024 RATA Associates 2 min read

We have now released the Preliminary 2023 HMDA Peer Data.  The CFPB released the "preliminary" 2023 peer data file on March 25th. For some reason, they release this data without the Transmittal File that tells us who each reporter is. RATA then has to download the file, link up the Transmittal information from last year based on the LEI number with any institutions that match, and then look up any institution's LEI info on the ones that don't match. This year that happens to be about 500 institutions that we have to look up manually. The number of lookups is higher than usual this year because they lowered the exemption thresholds and more institutions were drawn into submitting HMDA data than in previous years. Again, keep in mind this is not the official final version of the peer…

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Upcoming Comply RHS system maintenance

December 26, 2023 RATA Associates 1 min read

In preparation for the upcoming busy months of January and February, the Comply RHS environment will be down this upcoming weekend on Saturday, December 30th, for extended maintenance to update all installations to the new 23.01 version and roll out additional servers to handle the expected increased demand.

We do not expect any problems with the rolling out of new equipment, however, due to the nature of the process, we cannot give a firm estimate of time the system will be down, but don't expect it will be more than one work day. 

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  • 40 minutes, screen-shared. A live walkthrough on RATA sample data, driven by your questions rather than a script.
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