Comply News
2025 HMDA Peer Data Official Release is Available
The CFPB has released the official 2025 national HMDA peer data as of June 23, 2026. We downloaded and converted the data and, as in the past, made sure to match all Institution IDs with the preliminary data that was released on April 3. 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 2025 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. Installation of the Peer data is accomplished as follows: On-premise (client site) Comply installations Download the data for use in
Help Shape the Future of RATA ComplyBI Reporting & Analytics
Dear Valued Client, As we continue expanding the capabilities of RATA Comply, we are excited to announce the upcoming release of ComplyBI this July as a new component of the RATA Comply Suite. ComplyBI is designed to provide powerful interactive dashboards, visual analytics, management reporting, and business intelligence capabilities directly integrated with your Comply data. However, the initial release is only the beginning. Our vision for ComplyBI is to continuously expand the platform with new reports, charts, dashboards, and analytical capabilities. In fact, following launch, we expect to introduce new reporting content and enhancements based on client feedback and real-world use cases. To help guide these development efforts, we are reaching out to gather examples of the
CFPB Releases Preliminary 2025 HMDA Peer Data
The CFPB released the "preliminary" 2025 HMDA Peer data file on March 31st, which is now available in Comply. As always, this data release does not include the Transmittal File that tells us who each reporter is. RATA downloads the file, links up the Transmittal information from last year based on the LEI number with any institutions that match, and then look up any institutions' LEI information for the ones that don't match. This year that happened to be nearly 130 institutions which needed to be looked up manually. Keep in mind this is not the official final version of the peer data. The official release usually contains updates to the data, late reporter data, and the official transmittal data for each institution. The official data is typically released in June or July, but we are
RATA announces the release of the Year-End Geocode Redo file: Please apply before submitting
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 22nd 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 22, 2026. If you have submitted more geocoding after
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.
- 2025 Community Reinvestment Act (CRA) Small Business, Small Farm and Community Development Lending Data: What Changed and What to Do Next
- The CFPB's Semiannual Report: What Narrower Federal Enforcement Means for Fair Lending, HMDA and Community Reinvestment Act (CRA) Programs
- How to Choose Section 1071 Software: What to Test Before Your First Filing
- The Regulation B Lawsuits: What Your Fair Lending Program Should Keep Doing While the Rule Is in Court
- California's New Fair Lending Exam Law: What State-Chartered Banks, Credit Unions and Mortgage Licensees Should Have Ready
- November 2026
- October 2026
- September 2026
- August 2026
- March 2026
- February 2026
- January 2026
- 2025
- 2022
- 2021
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- 2017
- HMDA vs CRA vs Section 1071: What Each Rule Collects and Who Has to File
- 2026 HMDA Data: Your Filing Checklist for the March 1, 2027 Deadline
- HMDA Plus: What It Actually Changed in the LAR Workflow
- Fair Lending Regression Analysis: What It Controls For and How to Explain a Pricing Disparity
- How to Evaluate Fair Lending and CRA Software: What to Test Before You Sign
- What a Fair Lending Exam Actually Asks For
- What Actually Counts as a Small Business Loan Under Section 1071
- Section 1071 in 2026: What Lenders Need to Know About Small Business Lending Data
- How to Benchmark Your CRA and HMDA Lending Against Peer Data
- Special Report: Geocoding - Achieving the Highest Accuracy
