GIS is critical in enabling banks to comply with government requirements such as the Home Mortgage Disclosure Act (HMDA). You can use your own lending data with Maptitude to create Community Reinvestment Act (CRA) maps that verify HMDA compliance and non-discriminatory lending practices.

Maptitude includes the Federal Financial Institutions Examination Council (FFIEC) Census Tract demographics to support the consumer compliance examination process. The FFIEC Census data are required for compliance under HMDA, CRA, and fair lending.

In addition to the extensive Census data supplied with Maptitude (including the latest Census Tracts), there are several additional datasets available from Caliper. These include:

• Community Reinvestment Act compliance results
• Home Mortgage Disclosure Act data
• Loan Application Register (LAR) Raw data

In addition, Caliper offers HMDA datasets that contain records for all the loan applications processed by every financial institution required to file by HMDA. These data are available for every year from 1990 thus allowing time series analysis, and are also available as a geographic layer aggregated by Census Tract.

Case Study:

How Digital Finance Analytics Assesses Financial Stress with Maptitude

HMDA Wiz Map Alternative: Map loans and assess compliance with Maptitude

Wolters Kluwer Wiz Replacement: Map home values and mortgages with Maptitude