BoardofGovernorsoftheFederalReserveSystemHomeMortgageDisclosureActFederalReserveBoard,20th&ConstitutionAvenue,.,Stop#N502,Washington,DC20551(202)452-2016FileSpecificationsFor2003HMDAdataFederalDepositInsuranceCorporation(FDIC)NationalCreditUnionAssociation(NCUA)ptrolleroftheCurrency(OCC)OfficeofThriftSupervision(OTS)ReportingChangesFor2003HMDAFilesIntroductionFollowingareviewofRegulationCbytheBoardofGovernorsoftheFederalReserveSystem(Board),theyapprovedafinalrulethatpostponedtheeffectivedateoftherecentamendmentstoRegulationCfromJanuary1,2003toJanuary1,,however,adoptedaninterimamendmenttoRegulationCtobeeffectiveJanuary1,,,eliminatedBlockNumberingAreas(BNAs),andchangedthereferencingofMetropolitanStatisticalArea(MSA)toMetropolitanArea(MA).Anymortgageapplicationtakeninayearpreviousto2003butwiththedateofactionin2003mustbegeocodedusing2000Censusinformation.(Themovetousing2000Censusinformationdoesnotchangethestart,end,andlengthofcolumnsinthe2003filespecifications.)BEREMINDED--IfyouareabankorsavingsassociationthatisalsorequiredtoreportCRAdata,,NCUA,,CD-ROMandCartridgeTapeAllrecordsare314charactersinlengthandcontainthefollowing:·prising107charactersofblanks. ·TheLoan/-ROMFormatInformationPCDisketteandCD-ROMFormatCharacteristicsHMDAdatasubmittedviadisketteorCD-ROMmustadheretothefollowingspecifications:1. ThedisketteorCD--epted:· Fordiskette:3-1/2highdensity,
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