Mortgage regulation and how it helps you rule.

The Home Mortgage Disclosure Act, or HMDA, grew out of public concern over credit shortages in less financially stable urban neighborhoods. Financial institutions are required to report and provide certain mortgage loan data on a loan application register (LAR) each year. Because HMDA reporting isn’t always easy or clear-cut, Regulatory Solutions provides independent HMDA audits of data on a monthly, quarterly, or annual basis based on your size and complexity. Reviews are typically performed offsite on a remote basis to not interfere with your day-to-day operations.

“Poor data quality in your HMDA LAR can negatively affect your institution’s bottom line. We provide a customized approach to achieve your HMDA compliance objectives.”

Using our own proprietary HMDA Scrub Software, we:

  • Verify HMDA accuracy prior to annual HMDA LAR submission.
  • Verify HMDA LAR data by comparing it to source file documentation, which allows us to scrub HMDA data with a higher level of efficiency, cost effectiveness and accuracy.
  • Review your HMDA policies, procedures and internal controls to ensure data is being collected correctly initially so that its accuracy can be relied on in the future.


We provide guidance and training regarding upcoming HMDA changes and proposals and will work with you to ensure your processes accurately capture all the required expanded data points for reporting purposes.

We have the lock on peace of mind.

In our state-of-the-art facility in Birmingham, Alabama, we abide by the highest security standards set by the industry to set our clients’ minds completely at ease. Our secure office suite remains locked at all times with access controlled by an electronic badge system and monitored by a third-party security vendor 24 hours a day, 7 days a week.