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Course description

It seems that we get changes to HMDA and/or Regulation C every year. The changes keep adding to the challenge of fully complying with the requirements of the law and regulation. During 2022 the coverage threshold for open-end credit was revised from 500 lines to 200 lines, and a court ruling changed the threshold for closed-end loans back to 25 loans from the 100 loan threshold that was effective on July 1, 2020.

 HMDA-reporting banks spend considerable time in January and February of each year "scrubbing" HMDA data before the March 1st submission date.  The 2023 data must be submitted to the CFPB by March 1, 2024. This webinar is designed to get you ready for data submission.

 Errors can result from the failure to report a covered loan, reporting a loan that is not reportable, or miscoding data on reported loans. Regulators continue to report significant error rates for HMDA data. Penalties may be imposed for such errors.    This program reviews data collection and reporting rules, common problems that occur when collecting and reporting the HMDA data, and issues related to the public disclosure of the information.  


This 90-minute webinar focuses on the basic rules of HMDA and Regulation C and provides the information needed to assure accurate reporting of 2022 HMDA data.

 Participants receive a detailed manual that serves as a handbook long after the program is completed.


The program provides:

  • A thorough explanation of which institutions are covered by HMDA and  Regulation C for the 2023 reporting cycle;
  • Which institutions are eligible for the EGRRCPA partial HMDA exemption and options for compliance available to those institutions;
  • A review of which loans are and are not reportable;
  • Detailed information on how to complete the LAR;
  • Clarification of the rules related to secondary market and broker transactions;
  • Detail on the data submission and public availability requirements;
  • Steps to identify and eliminate reporting errors and thereby avoid penalties; and
  • Actions to take to prepare for submitting the 2023 data to the CFPB.


The program is designed for loan officers, compliance officers, loan processors and clerks and auditors.  Whether new to the requirements of HMDA and Regulation C or a seasoned veteran, this program provides a comprehensive review of the existing requirements of HMDA and Regulation C.



Kimberly Boatwright

Kimberly Boatwright is EVP and Director of Risk and Compliance at Compliance Resource, LLC and has more than a two decades of experience working in the financial services industry. Ms. Boatwright is a well-regarded financial industry risk and compliance professional with a strong background in program development and implementation. She is a thought leader who specializes in Fair Lending, Anti-Money Laundering, OFAC and consumer compliance. During her career she has worked for and consulted with all types of financial institutions helping to establish and evolve compliance and risk programs. She is a frequent public speaker, trainer, and author on compliance and risk management topics. Kimberly is a Certified Regulatory Compliance Manager and a Certified Anti-Money Laundering Specialist.

Course curriculum

  • 1


    • Access Webinar

  • 2


    • Slides

    • Materials

    • Questions and Answers