Home Mortgage Disclosure Act (HMDA), Loan Application Register Data, 1997

<p>The Home Mortgage Disclosure Act (HMDA), enacted by Congress in 1975, is implemented by the Federal Reserve Board's Regulation C (12 CFR Part 203). HMDA was made permanent in February 1988, and was expanded in August 1989 to require additional data to be reported about applications received and about applicant and borrower characteristics. HMDA makes available to the public information that helps to show whether financial institutions are serving the housing credit needs of their neighborhoods and communities. It also helps government officials make public sector investments and indicates to private investors the neighborhoods where their efforts are needed. In addition, HMDA data help identify possible discriminatory lending patterns and assist regulatory agencies in enforcing compliance with anti-discrimination statutes.</p>

搜集汇总

背景与挑战

背景概述

该数据集是1997年《房屋抵押披露法案》（HMDA）的贷款申请登记数据，由美国联邦金融机构检查委员会收集和发布，用于评估金融机构的社区住房信贷服务情况、辅助政府投资决策以及监测潜在的贷款歧视模式。数据集包含美国范围内的贷款申请记录，以人口普查区为地理单位，数据格式为固定字段文本文件，并附带详细的文档说明。