12 CFR Part 1003

HMDA Compliance Execution for Fintech

The Home Mortgage Disclosure Act requires collection and reporting of mortgage lending data. Canarie helps you execute HMDA compliance through automated workflows for data quality control, validation, and timely reporting. Specifically tailored for the compliance requirements of fintech.

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Key Requirements

1
Loan Application Register maintenance
2
Data collection and accuracy
3
Annual data submission
4
Public disclosure requirements
5
Record retention
6
Geocoding accuracy

Fintech Compliance Challenges

Building compliance programs from scratch
Meeting sponsor bank requirements
Preparing for potential direct regulation
Scaling compliance with rapid growth
Managing multi-state licensing

How Canarie Helps Fintech

Automated Workflows

Recurring HMDA Compliance Execution tasks are scheduled, assigned, and tracked automatically.

Evidence Capture

Evidence is captured automatically as compliance work is completed.

Audit Trails

Complete audit trails show who did what, when, with immutable records.

Examiner-Ready Export

Export organized evidence packages in formats examiners expect.

Non-Compliance Risks

Civil money penalties up to $50,000 per day
CFPB enforcement actions
Reputational risk from public data

Frequently Asked Questions

Automate HMDA Compliance Execution for Your Fintech

See how fintech execute compliance with confidence.