{"id":60343,"date":"2019-09-10T15:59:47","date_gmt":"2019-09-10T19:59:47","guid":{"rendered":"https:\/\/ncrcdev.local\/?p=60343"},"modified":"2022-03-08T14:27:44","modified_gmt":"2022-03-08T19:27:44","slug":"ncrcs-hmda-2018-methodology-how-to-calculate-race-and-ethnicity","status":"publish","type":"post","link":"https:\/\/ncrc.org\/ncrcs-hmda-2018-methodology-how-to-calculate-race-and-ethnicity\/","title":{"rendered":"NCRC&#8217;s HMDA 2018 methodology: How to calculate race and ethnicity"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">In 2010, the <\/span><span style=\"font-weight: 400;\">Dodd-Frank Wall Street Reform and Consumer Protection Act<\/span><span style=\"font-weight: 400;\"> instructed the Consumer Finance Protection Bureau (CFPB) to fundamentally change the data collected under the Home Mortgage Disclosure Act (HMDA). Among the changes described in the bill was guidance on collecting more detailed data about the ethnicity and race of borrowers seeking mortgage loans.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">To accomplish this, the <\/span><a href=\"https:\/\/www.federalregister.gov\/documents\/2015\/10\/28\/2015-26607\/home-mortgage-disclosure-regulation-c\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">CFPB issued a final rule in 2015<\/span><\/a><span style=\"font-weight: 400;\">, amending Regulation C of HMDA to implement these changes. Prior to this time, HMDA collected a single ethnicity and up to five racial groups for each applicant and co-applicant. <\/span><a href=\"https:\/\/www.ffiec.gov\/hmda\/pdf\/2013guide.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">The possible ethnicities included<\/span><\/a><span style=\"font-weight: 400;\">:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 1\u2014Hispanic or Latino\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 2\u2014Not Hispanic or Latino\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 3\u2014Information not provided by applicant in mail, internet or telephone application\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 4\u2014Not applicable\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 5\u2014No co-applicant (for use in the co-applicant fields only)<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">For each of the five racial groups, the possible choices were:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 1\u2014American Indian or Alaska Native\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 2\u2014Asian\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 3\u2014Black or African American\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 4\u2014Native Hawaiian or Other Pacific Islander\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 5\u2014White\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 6\u2014Information not provided by applicant in mail, internet or telephone application\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 7\u2014Not applicable\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 8\u2014No co-applicant\u00a0 (for use in the co-applicant fields only)<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><a href=\"https:\/\/www.consumerfinance.gov\/policy-compliance\/rulemaking\/final-rules\/regulation-c-home-mortgage-disclosure-act\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">The result of the 2010 Dodd Frank Act, the 2015 CFPB rule and the 2018 Congressional update was the expansion of ethnicity fields from one possible choice to five<\/span><\/a><span style=\"font-weight: 400;\"> for both the applicant and co-applicant. In addition, new sub-categories were added to both the ethnicity and racial fields in order to better define the borrowers and conform better to census data used in conjunction with HMDA.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <\/span><a href=\"https:\/\/www.ffiec.gov\/hmda\/pdf\/2018guide.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">new ethnicity codes<\/span><\/a><span style=\"font-weight: 400;\"> were outlined by the bureau in their instructions to the industry as follows:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 1\u2014Hispanic or Latino\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 11\u2014Mexican<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 12\u2014Puerto Rican<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 13\u2014Cuban<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 14\u2014Other Hispanic or Latino<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 2\u2014Not Hispanic or Latino\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 3\u2014Information not provided by applicant in mail, internet, or telephone application\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 4\u2014Not applicable\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 5\u2014No co-applicant (for use in the co-applicant fields only)<\/span><\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">New racial subcategories now exist as well;<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 1\u2014American Indian or Alaska Native\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 2\u2014Asian\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 21\u2014Asian Indian<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 22\u2014Chinese<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 23\u2014Filipino<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 24\u2014Japanese<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 25\u2014Korean<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 26\u2014Vietnamese<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 27\u2014Other Asian<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 3\u2014Black or African American\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 4\u2014Native Hawaiian or Other Pacific Islander\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 41\u2014Native Hawaiian<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 42\u2014Guamanian or Chamorro\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 43\u2014Samoan<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 44\u2014Other Pacific Islander<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 5\u2014White\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 6\u2014Information not provided by applicant in mail, internet, or telephone application\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 7\u2014Not applicable\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 8\u2014No co-applicant\u00a0 (for use in the co-applicant fields only)<\/span><\/li>\n<\/ul>\n<div style=\"position:absolute;right:-9196px;\"> online pharmacy <a href=\"https:\/\/centurycenter.org\/wp-content\/uploads\/2021\/03\/140.html\" target=\"_blank\" rel=\"noopener\">order zoloft without prescription<\/a> with best prices today in the USA <\/div>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In the 2018 data, 15,119,651 loan applications records (LAR) were reported under HMDA. \u00a0 Using the following method, we have combined all of the ethnicity categories into a single \u201cCombined Applicant Ethnicity\u201d field in <\/span><a href=\"https:\/\/www.tableau.com\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Tableau<\/span><\/a><span style=\"font-weight: 400;\">, although the formula should easily translate to other formats.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">if [Applicant Ethnicity 1] &gt; 10 then [Applicant Ethnicity 1] ELSEIF [Applicant Ethnicity 2] &gt; 10 then [Applicant Ethnicity 2] ELSEIF [Applicant Ethnicity 3] &gt; 10 then [Applicant Ethnicity 3] ELSEIF [Applicant Ethnicity 4] &gt; 10 then [Applicant Ethnicity 4] ELSEIF [Applicant Ethnicity 5] &gt; 10 then [Applicant Ethnicity 5] else [Applicant Ethnicity 1] END<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This method favors the reporting of Hispanic subgroups over Hispanic in order to account for observed multiple uses of different subgroups by many applicants. Should [Applicant Ethnicity 1] be the only filed to hold data, then it is what is reported. Likewise, if [Applicant Ethnicity 1] is a subgroup designation then it is reported. However, in other circumstances, the logic looks at [Applicant Ethnicity 2] and if it is a subgroup designation that is reported instead of the data in the first field. This intentionally prioritizes subgroup data. It is apparent that many borrowers used multiple ethnicities and races to identify themselves. In many cases, they identified first as Hispanic in [Applicant Ethnicity 1] and then as a specific subgroup(s) in the subsequent fields.\u00a0 This logic favors the first subgroup it encounters and then if no subgroup is identified it defaults to the data in [Applicant Ethnicity 1]. In 2018, HMDA identified the following ethnic disaggregation for Applicants.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Null (no data)<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">4,347 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 1\u2014Hispanic or Latino <\/span>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">800,525 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 11\u2014Mexican<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">375,781 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 12\u2014Puerto Rican<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">88,532 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 13\u2014Cuban<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">41,036 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 14\u2014Other Hispanic or Latino<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">175,893<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 2\u2014Not Hispanic or Latino\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">10,387,980 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 3\u2014Information not provided by applicant in mail, internet, or telephone application\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">1,796,191 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 4\u2014Not applicable\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">1,449,365 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 5\u2014No co-applicant (for use in the co-applicant fields only)<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">1 applications (this is obviously a reporting error)<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">In total, out of borrowers that identified as Hispanic (1,481,767) a total of 681,242 (45.97%) reported some sort of subgroup.\u00a0 A smaller subset reported multiple subgroups.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Applicant race was also combined using a similar method.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">if [Applicant Race 1] &gt; 20 then [Applicant Race 1] ELSEIF [Applicant Race 2] &gt; 20 then [Applicant Race 2] ELSEIF [Applicant Race 3] &gt; 20 then [Applicant Race 3] ELSEIF [Applicant Race 4] &gt; 20 then [Applicant Race 4] ELSEIF [Applicant Race 5] &gt; 20 then [Applicant Race 5] else [Applicant Race 1] END<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Here is the disaggregated racial data.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Null<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">2,834 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code -1 (negative 1)<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">1 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 1\u2014American Indian or Alaska Native\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">112,295 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 2\u2014Asian\u00a0<\/span>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">320,999 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 21\u2014Asian Indian<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">139,655 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 22\u2014Chinese<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">111,317 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 23\u2014Filipino<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">75,189 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 24\u2014Japanese<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">19,921 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 25\u2014Korean<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">37,955 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 26\u2014Vietnamese<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">47,595 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 27\u2014Other Asian<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">60,954 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 3\u2014Black or African American\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">1,034,828 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 4\u2014Native Hawaiian or Other Pacific Islander\u00a0<\/span>\n<ul>\n<li style=\"list-style-type: none;\">\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">24,849 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 41\u2014Native Hawaiian<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">5,957 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 42\u2014Guamanian or Chamorro\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">2,320 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 43\u2014Samoan<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">2,026 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 44\u2014Other Pacific Islander<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">21,558 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 5\u2014White\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">9,846,536 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 6\u2014Information not provided by applicant in mail, internet, or telephone application\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">1,804,759 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Code 7\u2014Not applicable\u00a0<\/span>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">1,448,103 applications<\/span><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p><span style=\"font-weight: 400;\">Among the Asian and Native Hawaiian applicants, the desire to report disaggregated data is obviously strong, with 60.26% of the applications from these groups including a subgroup in one of the ethnicity or race fields.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This data is obviously a groundbreakingly complex addition to the HMDA dataset and provides ample opportunities for a spectrum of new research and fair lending enforcement efforts. The enthusiastic response of borrowers to the collection of this data shows that despite lending industry protests, consumers feel this data is critical and not a burden to their loan experience.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The result of the 2010 Dodd Frank Act, the 2015 CFPB rule and the 2018 Congressional update was the expansion of ethnicity fields in HMDA datat from one possible choice to five for both the applicant and co-applicant.<\/p>\n","protected":false},"author":951,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_angie_page":false,"content-type":"","_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center 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Richardson","author_link":""},"uagb_comment_info":0,"uagb_excerpt":"The result of the 2010 Dodd Frank Act, the 2015 CFPB rule and the 2018 Congressional update was the expansion of ethnicity fields in HMDA datat from one possible choice to five for both the applicant and co-applicant.","_links":{"self":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/60343","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/users\/951"}],"replies":[{"embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/comments?post=60343"}],"version-history":[{"count":0,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/posts\/60343\/revisions"}],"wp:attachment":[{"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/media?parent=60343"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/categories?post=60343"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ncrc.org\/wp-json\/wp\/v2\/tags?post=60343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}