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>

<p>《住房抵押贷款披露法》（Home Mortgage Disclosure Act，HMDA）由美国国会于1975年颁布，由联邦储备委员会的C号条例（美国联邦法规汇编第12编第203部分）负责实施。该法案于1988年2月被正式确立为永久性法规，并于1989年8月完成修订扩充，要求报送更多有关已受理贷款申请、申请人及借款人特征的相关数据。HMDA向公众公开相关信息，以助力核查金融机构是否切实满足其所在邻里与社区的住房信贷需求；同时可为政府官员开展公共领域投资决策提供参考，并为私人投资者明确需要投入资源的社区范围。此外，HMDA数据还有助于甄别潜在的歧视性放贷行为模式，协助监管机构落实反歧视相关法律法规的合规监管与执法工作。</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。