HMDAĪre you a HMDA reporter, or now will be, based on your bank’s size and transactions and what ramifications does that bring? (See 1-5 immediately below for the requirements applicable to 2023 data. What must you always consider as you begin planning your year? The major events you anticipate, especially changes. So, let’s do a quick review of those annual tasks and ensure you are really ready to close the books on 2023 and open the new one for 2024. But, has every “i” been dotted and “t” crossed for 2023? Do you get to exhale in a sigh of relief as you enjoy the holiday season, chill for a moment, and start anew on January 1? The answers are, “You need to know they are,” and “Absolutely not.” As 2023 ends, 2024 begins as a new year but what’s not done from the year-end still has to be. This is a time of celebrations, family, and looking forward to a new beginning as the calendar turns to 2024.
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