instruction stringlengths 5 1.05k | output stringlengths 6 22.3k | input stringclasses 1
value |
|---|---|---|
what is the hodrick prescott hp filter | the hodrick prescott hp filter refers to a data smoothing technique the hp filter is commonly applied during analysis to remove short term fluctuations associated with the business cycle removal of these short term fluctuations reveals long term trends this can help with economic or other forecasting associated with th... | |
what is holacracy | holacracy is a system of corporate governance whereby members of a team or business form distinct autonomous yet symbiotic teams to accomplish tasks and company goals the concept of a corporate hierarchy is discarded in favor of a fluid organizational structure where employees have the ability to make key decisions wit... | |
how holacracy works | holacracy seeks to replace the rigidity of a traditional command structure with a system of flexible roles each with wide authority within their specific area of responsibility instead of a traditional pyramid shaped structure a holacracy is described as a series of nested circles each representing autonomous teams wit... | |
what is a hold | hold is an analyst s recommendation to neither buy nor sell a security a company with a hold recommendation generally is expected to perform with the market or at the same pace as comparable companies this rating is better than sell but worse than buy meaning that investors with existing long positions shouldn t sell b... | |
when an investor holds onto a stock she is effectively initiating a long position in an equity investors who hold a stock for a long period of time can benefit from quarterly dividends and potential price appreciation over time even if a stock is given a hold recommendation and remains flat if it pays a dividend the in... | risks of holdinghowever there are also risks of holding a stock all long positions are susceptible to market volatility and potential price declines sometimes investors predict a microeconomic or macroeconomic downturn but hold onto a stock because it was recommended by a leading financial institution if the price of t... | |
what is a hold harmless clause | a hold harmless clause also known as a hold harmless agreement or hold harmless provision is a clause in a legal contract absolving one party of legal liability for any injuries or damages suffered by another party it ensures that one party cannot hold the other party legally responsible for any risks incurred from ser... | |
how a hold harmless clause works | businesses that offer high risk activities such as skydiving sessions commonly use a hold harmless clause although a hold harmless clause is not an absolute protection from liability it indicates that the customer has acknowledged certain risks and agreed to take them this agreement if often in the form of a letter or ... | |
what is a holdco | holdco is an abbreviation for holding company which is a firm that exercises control over one or more additional firm s the holdco accomplishes this through the acquisition of stock that is sufficient to control or influence the voting by shareholders the holding company earns money by collecting the dividends from the... | |
what is holder of record | a holder of record is the name of the person who is the registered owner of a security and who has the rights benefits and responsibilities of ownership understanding holder of recordthe holder of record for a stock typically has shareholder voting rights and receives dividend payouts if there are any the holder of rec... | |
what is a holding company | a holding company is a business entity usually a corporation or limited liability company llc that typically doesn t manufacture anything sell any products or services or conduct any other business operations rather holding companies or holdcos hold the controlling stock in other companies although a holding company ow... | |
how holding companies make money | large holding companies may have several income streams depending on the companies in their portfolio the most straightforward way to make money is through equity in their subsidiaries holding companies can benefit from dividends in the subsidiary s share price as well as by selling equity in companies that gain value ... | |
what is the purpose of a holding company | a holding company is a financial vehicle for owning and controlling other assets such as real estate stocks or companies using a holding company creates legal separation between the assets and the owners and reduces the liability for the owners if one of the holdings encounters financial trouble | |
how do you create a holding company | to create a holding company you simply need to file the articles of incorporation in the state or jurisdiction where you want to register the company you will also need to identify the business agents managing the holding and operating companies this can be complicated so for companies with larger holdings it is worth ... | |
what is a personal holding company | a personal holding company is a company where five or fewer individuals control 50 of the ownership stake and at least 60 of the company s income comes from passive sources 2the bottom linea holding company is a type of business entity that has a single purpose owning other companies some holding companies are large co... | |
what was a holding company depository receipt holdr | a holding company depository receipt holdr was a security that allowed investors to buy and sell a basket of stocks in a single transaction like exchange traded funds etfs holdrs allowed investors to trade stocks in a specific industry sector or group etfs however provide a more efficient and flexible structure for inv... | |
what are holding costs | holding costs are those associated with storing inventory that remains unsold these costs are one component of total inventory costs along with ordering and shortage costs a firm s holding costs include the price of goods damaged or spoiled as well as that of storage space labor and insurance understanding holding cost... | |
what are holding costs | holding costs are those associated with storing inventory that remains unsold these costs are one component of total inventory costs along with ordering and shortage costs a firm s holding costs include the price of goods damaged or spoiled as well as that of storage space labor and insurance understanding holding cost... | |
what is the holding period return yield | holding period return is the total return received from holding an asset or portfolio of assets over a period of time known as the holding period it is generally expressed as a percentage and is particularly useful for comparing returns on investments purchased at different periods in time understanding holding period ... | |
is holding period return the same as rate of return | pretty much yes the rate of return tells us in percentage terms how much an investment made or lost the holding period return does the same thing telling us the return on an investment during the timeframe it was held | |
why do we need holding period return | holding period return is important for several reasons it considers not only appreciation but also income payments and is a great way to compare the performance of investments held over different timeframes | |
what does holding period mean | holding period means the time a security was held for it begins when the investment is purchased and ends when it is sold can holding period return be negative yes not all investments generate a profit even a stock that pays a dividend could deliver a negative holding period return if it depreciated in value the bottom... | |
what is holding the market | holding the market is the deliberate practice of placing active or pending orders for a security in a market where the price is dropping in an attempt to hold the price of the security steady or to create an artificial floor in the security this practice is outlawed in most instances except when a broker or other part... | |
what are holdings | the term holdings refers to the contents of an investment portfolio held by an individual or an entity such as a mutual fund holdings can be any type of investment product including stocks bonds mutual funds options futures and exchange traded funds etfs having multiple holdings or asset classes can help diversify an i... | |
how do i locate the holdings of a mutual fund | most mutual funds disclose their holdings you can find them by going to the fund company s website you can also see the holdings on the fund s prospectus or by asking the fund manager for a list | |
what are top holdings in an investment | top holdings are any assets with the highest weighting in an investment portfolio you can determine the top holdings in your investment portfolio by determining which assets have the highest dollar value mutual funds commonly list their top holdings based on the percentage invested for example the top equity holding of... | |
what does buy and hold mean | buy and hold is an investment strategy this is a long term passive strategy where an investor buys assets and holds onto them even when the market shows signs of short term fluctuations this is contrasted with active investing which involves constantly shifting holdings by regularly buying and selling financial instrum... | |
what is a holdover tenant | a holdover tenant is a renter who remains in a property after the expiration of the lease if the landlord continues to accept rent payments the holdover tenant can continue to legally occupy the property and state laws and court rulings determine the length of the holdover tenant s new rental term if the landlord does ... | |
when a landlord wishes to evict you as a holdover tenant they generally must serve you with a notice of termination though as noted above this is regulated by the state and so can vary from state to state the notice precipitates the holdover proceeding in new york state a notice of termination must be served in the fol... | the notice must tell you the reason for the termination the date on which you must move and that the landlord will begin legal action if you don t comply by the deadline reasons can include the expiration of a lease bad behavior as a tenant being too noisy for example or having an unapproved pet being a subtenant witho... | |
what are holdovers | in finance the term holdovers refers to transactions usually checks that have not yet been processed in most cases today the period of time in which checks are held as holdovers typically does not exceed one business day a holdover may also refer to a tenant who remains in a property after the expiration of the lease a... | |
when a bank has holdovers it will provide the depositor with a deposit ticket processed on the date that it received the instruments nevertheless this situation can give rise to holdover float whereby the money represented by the holdover checks briefly exists in duplicate once in the account against which the holdover... | to avoid holdover float some banks will post a debit to the account in which the holdover checks are to be deposited when the holdover items are processed the next day this debit will be zeroed out additionally some banks will require customers who frequently cause holdovers to sign an agreement specifying the conditio... | |
what does floating mean in banking | in banking float refers to payments that have not yet cleared and so is essentially money that is counted twice bank float is highly regulated today and manipulations or misuse of it can amount to fraud | |
what are the risks of a floating check | a floating check is one that has been written but has not yet cleared today many banks immediately advance money from deposited checks to their customers but if the check is fraudulent or does not have enough money to draw from i e a bounced check bad actors can use the float interval to make fraudulent purchases or wi... | |
is floating a check illegal | yes floating a check is illegal in most u s states while writing a check with insufficient funds can result in a bounced check this is not illegal however using the time it takes to clear or detect a bounced check to commit fraud is | |
what is concentration banking | a concentration bank is a main branch of a bank that aggregates funds from satellite branches of that bank in order to facilitate payments and transfers | |
what is hollowing out | hollowing out is the deterioration of a country s manufacturing sector when producers opt for low cost facilities overseas taking away these jobs has helped to concentrate wealth among the very wealthy hollow out the middle class and increase the number of working class and lower class households understanding hollowin... | |
what caused the decline of the middle class | the squeezing of the middle class has been blamed on several different factors including the outsourcing of jobs abroad the arrival of labor saving technologies and the rising costs of education healthcare and housing | |
how much has the middle class shrunk | various studies have been published on the shrinking middle class results vary depending on the country being analyzed the timeframe being examined and the criteria of the study in 2020 the pew research center claimed that the share of american adults living in middle income households decreased from 61 in 1971 to 51 i... | |
how does a shrinking middle class affect the economy | there are valid reasons to believe that a shrinking middle class is bad for economic growth this group has historically been responsible for a large chunk of spending fueling demand for goods and services and keeping the economy ticking well | |
what is the hollywood stock exchange hsx | the hollywood stock exchange hsx is an online prediction market in which investors bet on the performance of various components of the entertainment industry the bets are made using credits called moviestocks starbonds celebstocks tvstocks movie funds and various derivatives trades are made in hollywood dollars which p... | |
how do i place a trade on the hsx | once you have opened an account you can purchase and sell films and stars in the movie market stars are denominated in starbonds while movies are traded in moviestocks trading which can be long or short is executed in hollywood dollars you receive two million hollywood dollars when you open your account | |
are there initial public offerings on the hsx | yes the first time a star or a movie is added to the hsx it is called an initial public offering or ipo most of the time the price of an ipo moviestock or starbond will remain the same for the first day of trading can i lose hollywood dollars on a trade yes if the value of a moviestock or starbond you own goes down and... | |
what is a holographic will | a holographic will is a handwritten and testator signed document and is an alternative to a will produced by a lawyer some states do not recognize holographic wills states that do permit holographic wills require the document meet specific requirements to be valid the minimal requirements for most states are proof that... | |
how a holographic will works | holographic wills do not need to be witnessed or notarized which can lead to some issues during will validation in probate court to avoid fraud the testator must sign the will and the court will determine whether the will and signature were by the testator s hand 1handwriting experts or people familiar with the deceden... | |
where are holographic wills accepted | it s important to note that state probate law ultimately decides the treatment of all wills within its borders some states will accept holographic wills to varying degrees these states include alaska arizona arkansas california colorado hawaii idaho kentucky louisiana maine michigan mississippi montana nebraska nevada ... | |
what is a home | a home is a physical domicile or structure in which a person or household resides in a legal sense a home is the place of permanent residency where one lives or intends to return to live 1understanding a homewhile it is full of emotional connotations a home has specific legal connotations as it is used to determine man... | |
what is the home affordable modification program hamp | the home affordable modification program hamp was a loan modification program introduced by the federal government in 2009 to help struggling homeowners avoid foreclosure the program s focus was to help homeowners who paid more than 31 of their gross income toward mortgage payments the program expired at the end of 201... | |
when was the home affordable modification program hamp active | the home affordable modification program hamp was a loan modification program introduced in 2009 to help mitigate the impact of the 2008 subprime mortgage crisis it expired in 2016 who qualified for hamp initially between 2009 and 2011 only principal residences could qualify but starting in 2012 the program was opened ... | |
how much money could you save on your mortgage under hamp | under the home affordable modification program hamp a homeowner was able to receive up to 10 000 in principal reduction as an acknowledgment of having made mortgage payments in full and on time that broke down to 1 000 per year for the first five years and a one time payment of 5 000 at the end of year six 9 | |
what is the home affordable refinance program harp | the home affordable refinance program harp was a program offered by the federal housing finance agency to homeowners who own homes that are worth less than the outstanding balance on the loan 1the program has since ended but it was intended to provide relief after the financial crisis of 2008 harp was created to help u... | |
what is home banking | home banking is the practice of conducting banking transactions from home rather than at branch locations home banking generally refers to mobile banking web banking banking over the telephone or banking by mail the first experiments with online banking started in the early 1980s however it did not become popular until... | |
what is home bias | the term home bias refers to the tendency for investors to invest the majority of their portfolio in domestic equities ignoring the benefits of diversifying into foreign equities this bias was originally believed to have arisen as a result of the extra difficulties associated with investing in foreign equities such as ... | |
what is the home buyers plan hbp | the home buyers plan hbp is a canadian program that allows individuals with registered retirement savings plans rrsps to use up to cad 35 000 of retirement plan holdings as a loan for a home purchase an rrsp is a retirement savings and investing vehicle for employees and the self employed in canada pre tax money is pla... | |
what is home country bias | home country bias refers to investors tendency to favor companies from their own country over those from other countries or regions the tendency to invest in our own backyard is not unusual or surprising it is a worldwide phenomenon and certainly not unique to u s investors this bias is also understandable because we a... | |
is home country bias detrimental | naturally people take comfort in the familiar thus it follows that investors select companies they know and trust however investors who do not recognize this bias in themselves may end up with unbalanced portfolios and ignoring one of the cardinal tenets of investing diversification by not diversifying with internation... | |
what is home equity | home equity is the difference between the amount you owe on a mortgage and what the home is worth it s essentially what you own in a home the amount of equity in a house can grow over time as you make payments and the property s value increases more technically home equity is the property s current market value minus a... | |
how home equity works | if all or part of your home is funded with a mortgage loan the mortgage lender has an interest in the home until you pay off the loan home equity is the portion of a home s current value that you own outright 1you can have immediate equity in a house when you make a down payment after that the equity continues to grow ... | |
how to borrow against home equity | the interest rate on home equity based borrowing is typically lower than that on credit cards and personal loans because the funds are secured by the equity so the equity in your home can be a source of funds the interest on borrowing with your home equity is generally tax deductible if funds are used to improve the ho... | |
when a borrower converts any or all of the funds secured through a home equity line of credit to a fixed rate they have what s called a fixed rate heloc 6 the borrower will then pay off the fixed rate amount over a specific period of time be sure to do your due diligence on this option because lenders may have differen... | a cash out refinance refers to using your equity to get a new mortgage that s larger than the amount owed on your existing mortgage 7 then you pay off the existing mortgage and use the remaining money as needed the money can be used in any way you choose as with home equity loans and lines of credit the funds are tax f... | |
how to use home equity | you can use your home equity and the funds you borrow to your financial benefit | |
how to increase your home equity | once you understand the benefits of home equity you may want to focus on building it to do that you could pros and cons of borrowing on home equitylower requirementslower interest ratestax deductible interestadded debtpotential feesrestricted use | |
what is a home equity loan | a home equity loan is money that is borrowed against the appraised value of your home you receive the funds in a lump sum and you are require to make monthly payments as with any other type of loan basically a home equity loan is a second mortgage on your house | |
how can i get a home equity loan | you can get a home equity loan by contacting a lender who offers these types of loans the first step is to get a professional appraisal of your home to find out its market value if you have enough equity in your home to take out this type of loan a lender will also check your credit and debt to income ratio if you qual... | |
what is a home equity line of credit | a home equity line of credit heloc is similar to a credit card acting as a revolving line of credit based on your home s equity heloc funds can be used when you need them paid back and used again often there is a 10 year draw period where you can access your credit as needed with interest only payments after the draw p... | |
how much equity do i have in my home | you gain equity in your home by paying down the principal in your mortgage over time if you used a down payment to purchase your home you likely have some equity in it with each mortgage payment your equity grows to figure out how much equity you have in your home divide your current mortgage balance by the market or r... | |
what is a home equity conversion mortgage hecm | a home equity conversion mortgage hecm is a type of reverse mortgage that is insured by the federal housing administration fha home equity conversion mortgages allow seniors to convert the equity in their homes into cash 1the amount that may be borrowed is based on the appraised value of the home and is subject to fha ... | |
how a home equity conversion mortgage works | home equity conversion mortgages are a popular type of reverse mortgage in fact they make up the bulk of the reverse mortgage market generally reverse mortgage terms can vary with privately sponsored reverse mortgage products officially known as proprietary reverse mortgages potentially allowing for higher borrowing am... | |
what is the difference between a hecm and a reverse mortgage | all hecms are reverse mortgages but not all reverse mortgages are hecms hecms are reverse mortgages backed by the fha and issued by an fha approved lender 1can you lose your home with a hecm yes you can lose your home several ways with a hecm reverse mortgage if you fail to keep the property in good repair or pay prope... | |
are hecms expensive | yes hecms carry very high origination mortgage insurance premiums and maintenance fees 2 | |
what are good alternatives to an hecm | there are several good alternatives to an hecm depending on your situation if you can qualify for a single purpose reverse mortgage through a local nonprofit those are usually much cheaper if you can downsize your home you may not need the extra income from a hecm and will then be able to pass on your home to your heir... | |
what is a home equity loan | a home equity loan also known as an equity loan home equity installment loan or second mortgage is a type of consumer debt home equity loans allow homeowners to borrow against the equity in their homes the loan amount is based on the difference between the home s current market value and the homeowner s mortgage balanc... | |
how a home equity loan works | essentially a home equity loan is akin to a mortgage hence the name second mortgage the equity in the home serves as collateral for the lender the amount that a homeowner is allowed to borrow will be based partially on a combined loan to value cltv ratio of 80 to 90 of the home s appraised value of course the amount of... | |
should you want to relocate you might end up losing money on the sale of the home or be unable to move and if you re getting the loan to pay off credit card debt resist the temptation to run up those credit card bills again before doing something that puts your house in jeopardy weigh all of your options | marguerita cheng certified financial planner blue ocean global wealthspecial considerationshome equity loans exploded in popularity after the tax reform act of 1986 because they provided a way for consumers to get around one of its main provisions the elimination of deductions for the interest on most consumer purchas... | |
when applying for a home equity loan there can be some temptation to borrow more than you immediately need because you only get the payout once and don t know if you ll qualify for another loan in the future | if you are contemplating a loan worth more than your home it might be time for a reality check were you unable to live within your means when you owed only 100 of the equity in your home if so then it likely will be unrealistic to expect to be better off when you increase your debt by 25 plus interest and fees this cou... | |
how does a home equity loan work | a home equity loan is a loan for a set amount of money repaid over a set period of time that uses the equity you have in your home as collateral for the loan if you are unable to pay back the loan you may lose your home to foreclosure 4 | |
are home equity loans tax deductible | the interest paid on a home equity loan can be tax deductible if the proceeds from the loan are used to buy build or substantially improve your home however with the passage of the tax cuts and jobs act and the increased standard deduction itemizing to deduct the interest paid on a home equity loan may not lead to savi... | |
how much home equity loan can i get | for well qualified borrowers the limit of a home equity loan is the amount that gets the borrower to a combined loan to value cltv of 90 or less this means that the total of the balances on the mortgage any existing helocs any existing home equity loans and the new home equity loan cannot be more than 90 of the apprais... | |
what is a heloc loan | a heloc loan doesn t exist the term is a combination of two existing different loan products a home equity line of credit heloc and a home equity loan the bottom linea home equity loan can be a better choice financially than a heloc for those who know exactly how much equity they need to pull out and want the security ... | |
what is a home inspection | a home inspection is an examination of the condition and safety of a piece of real estate often conducted when the home is being sold a qualified home inspector will assess the heating and cooling system water and sewage systems other plumbing and electrical work and look for any potential fire or safety hazards in add... | |
how a home inspection works | potential home buyers often hire home inspectors to visit a property and produce a written report that details its condition including any necessary or recommended repairs maintenance concerns and any other potentially costly or hazardous issues the home inspector will assess the physical structure of the home from the... | |
when a homeowner s mortgage goes into delinquency the lender may require the loan servicer to have a home inspection performed on a monthly basis typically charging the homeowner a fee of 10 to 50 each time a march 2023 report from the consumer financial protection bureau cfpb however noted that some servicers were cha... | home inspection vs appraisala home inspection focuses on the home s condition and should not be confused with a home appraisal which is intended to determine the property s current market value both are essential steps in a typical home sale but are done for different reasons the buyer sets up a home inspection and can... | |
do you need a home inspection | because a home inspection can provide a thorough assessment of the home s safety and condition it is always a good idea to have a one before purchase | |
what happens when a home inspector finds something wrong | if a home inspector finds any unsafe materials defective systems or costly cosmetic defects a buyer can decide not to proceed with the home purchase renegotiate the sale price or ask the homeowner to make repairs before the sale goes through | |
is a home appraisal the same as an inspection | a home appraisal and a home inspection are two different things conducted for different purposes and by people with different kinds of expertise a mortgage lender sets up an appraisal and the appraiser will use various valuation methods including the recent sales prices of comparable homes to assess its value this help... | |
what does a home inspection cost | the cost of a home inspection can vary by location and by the size and age of the home among other factors the real estate website redfin says that inspections generally cost between 200 and 500 with the average being 336 2the bottom linehome inspections are often optional but relatively inexpensive compared to the ove... | |
what is the home market effect | the home market effect was originally hypothesized by staffan linder in 1961 and formalized by paul krugman in 1980 the central tenet of the hypothesis is that countries with larger sales of some products at home will tend to have larger sales of those same products abroad understanding the home market effectthe home m... | |
what is a home modification | a home modification is any alteration made to a home to meet the needs of people who have different physical abilities often to specifications outlined by the americans with disabilities act ada these alternations are made so that disabled or differently abled people can live independently and safely examples of home m... | |
how a home modification works | a home modification can refer to a range of changes alterations and repairs that make a home more livable for individuals with different physical abilities the price of home modifications can be as little as a few hundred dollars although more extensive renovations can cost many thousands of dollars for larger projects... | |
how much are home modifications | here is the cost range of some common modifications according to homeadvisor | |
what is a home mortgage | a home mortgage is a loan given by a bank mortgage company or other financial institution for the purchase of a residence a primary residence a secondary residence or an investment residence in contrast to a piece of commercial or industrial property in a home mortgage the owner of the property the borrower transfers t... | |
how a home mortgage works | home mortgages allow a much broader group of citizens the chance to own real estate as the entire purchase price of the house doesn t have to be provided up front but because the lender actually holds the title for as long as the mortgage is in effect it has the right to foreclose on the home seize it from the homeowne... | |
what s included in a mortgage payment | a typical mortgage payment can include four costs these costs are separate from upfront fees that you may have to pay to purchase a home those include your earnest money down payment appraisal and inspection fees prepaid fees and closing costs if you have to pay homeowners association fees or condo owners association f... | |
how to get a home mortgage | to obtain a mortgage the person seeking the loan must submit an application and information about their financial history to a lender which is done to demonstrate that the borrower is capable of repaying the loan sometimes borrowers look to a mortgage broker for help in choosing a lender the process has several steps f... | |
when the borrower and the lender have agreed on the terms of the home mortgage the lender puts a lien on the home as collateral for the loan this lien gives the lender the right to take possession of the house if the borrower defaults on the repayments | example of mortgage termsyour mortgage terms are the terms under which you agree to repay the loan to your lender a typical mortgage term is 30 years though some mortgage loans may have terms ranging from 10 to 25 years instead a home equity loan that s used to draw out your equity for example might have a 10 year repa... | |
what is a mortgage for a house | a home mortgage is a mortgage loan that s used to buy a house the house acts as collateral for the loan if the buyer defaults on the loan the lender can initiate foreclosure proceedings to take possession of the property | |
is a mortgage the same as a home loan | the terms mortgage and home loan are often used interchangeably but they don t exactly mean the same thing a mortgage is a loan that s used to buy a piece of property that s secured by the property itself a home loan is a type of mortgage that s used specifically to purchase a house | |
what credit score do you need to buy a house | the exact answer for what credit score you need to buy a house can depend on the type of loan and the lender s requirements for example it s possible to get a federal housing administration loan with a credit score as low as 500 but if you re applying for a conventional loan the lender might require a credit score of 6... | |
what is the home mortgage disclosure act hmda | the home mortgage disclosure act hmda is a federal law that requires mortgage lenders to keep records of key pieces of information regarding their lending practices lenders must submit these records to regulatory authorities established in 1975 the hmda was implemented by the federal reserve through regulation c 1 in 2... | |
what is the purpose of the home mortgage disclosure act | the home mortgage disclosure act is a law passed by congress in 1975 the purpose of the act is to promote transparency within the mortgage lending market it also aims to protect consumers from predatory and discriminatory lending practices this is done through the collection of data from lenders about different types o... | |
how often do lenders have to submit hmda reports | lenders are required to submit information each year in accordance with the hmda information reported must include data about their applications originations and purchases of home purchase loans home improvement loans and refinancings this includes information about applications that were approved denied or withdrawn a... | |
what is the regulation letter for the hmda | the home mortgage disclosure act falls under the federal reserve s regulation c this regulation requires the annual disclosures of residential mortgage loan data from financial institutions data reported includes details about applicants and loan types among others the data is used by different entities including regul... |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.