On January 1, 2026, the CFPB opened the filing period for HMDA data collected in 2025. Submissions will be considered timely if received on or before March 2, 2026.

Financial institutions can utilize the HMDA platform to submit their loan/application registers (LAR), examine any necessary edits, verify the accuracy and completeness of the information, and file the data for the reporting year in accordance with the Filing Instructions Guide for HMDA data collected in 2025.

Adam Witmer

Adam Witmer is a speaker, author, and founder of the Compliance Cohort. Adam has taught hundreds of seminars and training sessions to thousands of bankers throughout the United States and teaches on all areas of regulatory compliance. Adam has written five e-books that he never published, hit a grizzly bear while driving in a National Park, and is an award winning photographer and musician (though he no longer takes photos nor plays any instruments). In his spare time, Adam can be found kayaking on the lake, doing taekwondo with his kids, working on his (project) house, or spending time with his family.

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