12 CFR §1003.5 — Disclosure and reporting (HMDA / Regulation C)
Regulation C §1003.5 governs reporting the LAR to the appropriate Federal agency (annual by March 1, quarterly within 60 days for high-volume reporters), the §1003.5(b) FFIEC-driven disclosure-statement notice, the §1003.5(c)-(d) modified-LAR notices and 3-/5-year public availability requirements, the §1003.5(e) lobby-posted notice of HMDA-data availability, and the §1003.5(f) FFIEC aggregate-data preparation.
Verbatim regulatory text
Verbatim provisions from 12 CFR §1003.5 — Disclosure and reporting (HMDA / Regulation C) — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.
12 CFR §1003.5(a)(1)(i) — Annual LAR submission by March 1
By March 1 following the calendar year for which data are collected and recorded as required by § 1003.4 , a financial institution shall submit its annual loan/application register in electronic format to the appropriate Federal agency at the address identified by such agency.
12 CFR §1003.5(a)(1)(ii) — Quarterly LAR submission within 60 days
Within 60 calendar days after the end of each calendar quarter except the fourth quarter, a financial institution that reported for the preceding calendar year at least 60,000 covered loans and applications, combined, excluding purchased covered loans, shall submit to the appropriate Federal agency its loan/application register containing all data required to be recorded for that quarter pursuant to § 1003.4(f) .
12 CFR §1003.5(a)(3) — Required submission metadata
A financial institution shall provide with its submission:
12 CFR §1003.5(b)(2) — Disclosure-statement availability notice within 3 business days
No later than three business days after receiving notice from the FFIEC that a financial institution 's disclosure statement is available, the financial institution shall make available to the public upon request at its home office, and each branch office physically located in each MSA and each MD, a written notice that clearly conveys that the institution's disclosure statement may be obtained on the Bureau's Web site at www.consumerfinance.gov/hmda .
12 CFR §1003.5(c) — Modified loan/application register public notice
A financial institution shall make available to the public upon request at its home office, and each branch office physically located in each MSA and each MD, a written notice that clearly conveys that the institution's loan/application register , as modified by the Bureau to protect applicant and borrower privacy, may be obtained on the Bureau's Web site at www.consumerfinance.gov/hmda .
12 CFR §1003.5(d) — Written notice public availability (3 / 5 years)
A financial institution shall make the notice required by paragraph (c) of this section available to the public for a period of three years and the notice required by paragraph (b)(2) of this section available to the public for a period of five years.
12 CFR §1003.5(e) — Lobby-posted notice of HMDA-data availability
(e) Posted notice of availability of data. A financial institution shall post a general notice about the availability of its HMDA data in the lobby of its home office and of each branch office physically located in each MSA and each MD.
12 CFR §1003.5(a)(3) — Required submission metadata — enumerated items (chapeau recall fix)
(i) Its name; (ii) The calendar year the data submission covers pursuant to paragraph (a)(1)(i) of this section or calendar quarter and year the data submission covers pursuant to paragraph (a)(1)(ii) of this section; (iii) The name and contact information of a person who may be contacted with questions about the institution's submission; (iv) Its appropriate Federal agency; (v) The total number of entries contained in the submission; (vi) Its Federal Taxpayer Identification number; and (vii) Its Legal Entity Identifier (LEI) as described in § 1003.4(a)(1)(i)(A) .