Data Collection, Reporting, and Disclosure

(1) Institutions will comply with all data collection, reporting and disclosure regulations as promulgated by the appropriate Federal banking agencies. (2) Credit unions are exempted from the data collection, reporting, and disclosure requirements for small business, small farm, and community development loans; provided, however, if the credit union, except a credit union that meets the definition of a small institution, is subject to reporting under the Board of Governors of the Federal Reserve System's implementing regulations for the Home Mortgage Disclosure Act (12 CFR 203), it shall report the location of each home mortgage loan application, origination, or purchase outside the MSAs/CBSA in which the credit union has a home or branch office (or outside any MSA/CBSA) in accordance with the requirements of 12 CFR 203. (3) Optional Data Collection and Maintenance. (a) Consumer Loans. An institution may collect and maintain in machine readable form (as prescribed by the Commissioner) data for consumer loans originated or purchased by the institution for consideration under the lending test. An institution may maintain data for one or more of the following categories of consumer loans: motor vehicle, credit card, home equity, other secured, and other unsecured. If the institution maintains data for loans in a certain category, it shall maintain data for all loans originated or purchased within that category. The institution shall maintain data separately for each category, including for each loan: 1. A unique number or alpha-numeric symbol that can be used to identify the relevant loan file; 2. The loan amount at origination or purchase; 3. The loan location; and 4. The gross annual income of the borrower that the institution considered in making its credit decision. (b) Other Loan Data. At its option, an institution may provide other information concerning its lending performance, including additional loan distribution data.