How to Submit Your HMDA Data to the CFPB 

All HMDA submissions are now processed through the CFPB HMDA Platform.

Starting January 1, 2025, the CFPB will require all HMDA filers to log in to the CFPB HMDA Filing Platform via Login.gov to submit their 2024 HMDA filing. These submissions are due by March 1st each year. (If March 1st falls on a weekend, they will be due the following business day).

We want to clarify that this change affects all HMDA filers, regardless of the software solution you use - including those using our new Nlending HMDA Transmittal tool and HMDA RELIEF.

If you have used our automated API (e.g. HMDA RELIEF Submission Platform) to submit your HMDA filing in the past, please note that you will now need to:

1) Generate your hmda.txt file from our software.
2) Log in to the CFPB HMDA Filing Platform with your Login.gov credentials, using multi factor authentication.
3) Upload the file and follow the on-screen instructions to complete your submission.

While the process should be fairly similar to what you’re already used to, our Support Team is available to assist should you have any questions.  
For detailed guidance please refer to the Quick Reference Guide for HMDA filers.

Note: You must be on the latest version of Compliance RELIEF as shown on your Download Center. 

After your Login.gov account is created, you will use HMDA RELIEF to correct all edits as shown in the latest CFPB Filing Instructions Guide.

Once your HMDA data is free of Validity Errors (Edits) and you are OK with all of your Quality Errors (Edits) and you have reviewed your Macro Edits, click the “Process Submission” button on the “Submit” screen in HMDA RELIEF to create the HMDA.txt file to upload your data to the CFPB HMDA Platform.

Note: QuestSoft does not have access to your data on the CFPB HMDA Platform. Once the data is uploaded, we have no control. The process is paperless. If you need verification of submission from the CFPB HMDA Platform, we suggest printing the final screen and your submission confirmation email.

If you need assistance with the Compliance/HMDA RELIEF portion of the process, please email support@questsoft.com 

If you need assistance with the CFPB HMDA Platform, please email hmdahelp@cfpb.gov.