APPENDIX B-INSTRUCTIONS-ASSOCIATION INSTRUCTIONS FOR PREPARATION OF DATA SUBMISSION REPORT Introduction The Data Submission Report (DSR) calls for tabulated summary information on applications which have had a disposition, and those that are still pending. Information is requested on a semi-annual basis. All information for this report is obtained from the loan application register. Information on the DSR is broken down by the total number and dollar amount of applications received and acted on, the number and dollar amount of these applications that have been granted, the number and dollar amount denied and the number and dollar amount withdrawn. Under each of these divisions, the applications are further broken down by census tract groupings, race, sex, and marital status. In addition, the DSR tabulates those applications still pending (without a disposition) by number. Each Decision Center will be responsible for maintaining its own Loan Application Registers and for the preparation of its own semi-annual Data Submission Reports, which must be submitted by the Decision Center to the association's main office. Decision centers are discussed on page No. 8 of these instructions. Completion of form. A separate DSR will be prepared for mortgage loan applications, mobile home loan applications and home improvement and/or equipping loan applications. However, no DSR will be required for mobile home loan applications or home improvement and/or equipping loan applications if the decision center has not received more than 50 of these types of applications during the six (6) month reporting cycle. The tabulation procedures described below will be used for all three types of Data Submission Reports. I. APPLICATIONS WITH A DISPOSITION Under this section, tabulate only those applications which have an indicator in the "Disposition" column of the application register. Those with no disposition at the time this report is prepared will be separately tabulated and reported as shown in Part II (Applications Without a Disposition) of these instructions. A. Category A-Census Tracts 1. Both Low Income and Substantially Minority. From the application register, total by number and dollar amount all applications with a disposition which have an indicator "Y" (yes) under both the Low Income census tract column and the Substantially Minority census tract column. Of the above tabulated applications, all which have a Loan Disposition code "1" or "2" and place under the "Gran columns. Total those above applications with Loan Disposition code of 3, 4, 5, or 6 place under the "Rejected/Denied": umns. Total the above applications with a la Disposition code of "7" and place under "Withdrawn" columns. The number and dollar amounts un "Granted", "Rejected/Denied", and "W drawn" on this line, when added togel must total the amounts under the "Tow column. Example Nos. 103+105 + 107 = 101 This relationship of equality betwe "Granted" + "Rejected/ Denied" + "Withdrawn" = "Total" must maintained on each line throughout report. 2. Both Moderate Income and Substant ly Minority. From the application register, total number and dollar amount all applicatio with a disposition which have an indics "Y" (yes) under both the Moderate Inc census tract column and the Substantial Minority census tract column. Breakdown these applications by the s disposition categories of "Granted", " jected/Denied", and "Withdrawn", by th same procedures described previously. 3. Low Income but not Substantially M nority. From the application register, total number and dollar amounts all application with a disposition which have an indicata of "Y" (yes) under the Low Income cens tract column, and an indicator of "N" ( under the Substantially Minority cens tract column. Breakdown these applications by the sam disposition categories of "Granted", "R jected/Denied", and "Withdrawn", by the same procedures described previously. 4. Moderate Income but not Substantial Minority. From the application register, total number and dollar amounts all application with a disposition which have an indicator of "Y" (yes) under the Moderate Incom census tract column, and an indicator "N" (no) under the Substantially Minori census tract column. Breakdown these applications by the same disposition categories of "Granted", "Re jected/Denied", and "Withdrawn", by the same procedures described previously. 5. Not Low or Moderate Income but Sub stantially Minority. From the application register, total by number and dollar amount all applications with a disposition which have an indicator of "Y" (yes) under the Substantially Minority census tract column, and an indicator of "N" (no) under both the Low Income census tract column and Moderate Income census tract column. Breakdown these applications by the same disposition categories of "Granted", "Rejected/Denied", and "Withdrawn", by the same procedures described previously. 6. All Other Tracts. From the application register, total by number and dollar amount the applications which have a disposition, and for which a census tract is shown, but which do not have an indicator of “Y” (yes) in either the Low Income census tract column the Moderate Income census tract column or the Substantially Minority census tract column. Breakdown these applications by the same disposition categories of "Granted", "Rejected/Denied", and "Withdrawn" by the same procedures previously described. 7. Non-tracted Areas. From the application register, total by number and dollar amount all applications which have a disposition, and for which a census tract is not shown. Breakdown these applications by the same disposition categories of "Granted", "Rejected/Denied", and "Withdrawn" by the same procedures previously described. Total all columns under "CATEGORY A-CENSUS TRACTS”. As with each individual line above, the totals under "Granted", "Rejected/Denied", and "Withdrawn" for this whole section will equal the accumulated "Total" column. B. Category B-Race Tabulate all applications with a disposition, on the basis of race, using the same breakdown procedures with respect to "Total", "Granted", "Rejected/Denied", and "Withdrawn" under this category as those used for Census Tracts. An additional instruction relative to race breakdowns is necessary, however. The loan applications register requests information relative to both the applicant and co-applicant. For the Data Submissions Report however, only one indicator per application is allowed in order to maintain comparable totals. Therefore; If both the applicants are white, include the application under the totals for "White". If one of the applicants is white and the other is one of the minority designations, tabulate the application under that minority designation. If both applicants are the same minority, tabulate the application under that minoriStty designation. If both applicants are minorities, but different minorities, tabulate the application under either minority designation but not both. As with the Census Tract Category, all figures will total horizontally. In addition, the totals of each column under race will equal the totals of each column under Census Tracts as well as all other categories. Example No. 191 No. 291 C. Category C-Sex Tabulate all applications with a disposition, on the basis of sex, using the same breakdown procedures with respect to "Totals", "Granted", "Rejected/Denied", and "Withdrawn" under this category as those previously described. An additional instruction relative to the Sex designation is necessary, however. As with the race breakdowns, only one indicator per application is allowed. Therefore: If either of the applicants or both applicants are male, tabulate the application under the "Male" designation. (This will include co-applicants which are husband and wife.) If there is only one applicant and that person is a female or if both applicants are females, tabulate the application under the "Female" designation. (Anytime a male is involved as an applicant, tabulate under "Male". Tabulate under "Female" when only females are applying.) As with the other categories, all figures will total horizontally. In addition, all totals under the Sex category will equal all totals under the other categories. D. Category D-Marital Status Tabulate all applications with a disposition, on the basis of marital status, using the same breakdown procedures with respect to "Total", "Granted", "Rejected/ Denied", and "Withdrawn" under this category as those previously described. An additional instruction relative to Marital Status is necessary, however. As with the previous breakdowns, only one indicator per application is allowed. Therefore: If both applicants are married, tabulate the application under the "Married" designation. If one applicant is married and the other is either unmarried or separated, tabulate the loan under that appropriate non-married designation. If both applicants are in different nonmarried statuses, (i.e., one unmarried and one separated), tabulate the application under either designation but not both designations. As with the other categories, all figures will total horizontally. In addition, all totals under the Marital Status category will equal all totals under the other categories. II. APPLICATIONS WITHOUT A DISPOSITION (PENDING) Under this section tabulate only those applications which were received during the six (6) month reporting cycle, and for which there has been no disposition as of the last day of the reporting cycle. Do not include applications pending from previous reporting cycles. A. Category A-Census Tracts 1. Both Low Income and Substantially Minority. From the application register, total by number only, all applications with no disposition which have an indicator of "Y" (yes) under both the Low Income census tract column and the Substantially Minority census tract column. Place total number under Pending column. 2. Both Moderate Income and Substatially Minority. From the application register, total by number only, all applications with no disposition which have an indicator of "Y" (yes) under both the Moderate Income census tract column and the Substantially Minority census tract column. Place total number under Pending column. 3. Low Income but not Substantially Minority. From the application register, total by number only, all applications with no disposition which have an indicator of "Y" (yes) under the Low Income census tract column and an indicator of "N" (no) under the Substantially Minority census tract column. 4. Moderate Income but not Substantially Minority. From the application register, total by number only, all applications with no disposition which have an indicator of "Y" (yes) under the Moderate Income census tract column and an indicator of "N" (no) under the Substantially Minority census tract column. 5. Substantially Minority Income but Not Low or Moderate. Total by number only, all applications with no disposition which have a "Y" (yes) under the Substantially Minority census tract column, and an indicator of "N" (no) under both the Low Income and Moderate Income census tract columns. 6. All Other Tracts. Total by number only, all applications with no disposition which show a census tract but which do not have an indicator of "Y" (yes) in either the Low or Moderate census tract column or the Substantially Minority census tract column. 7. Non-tracted Areas. Total by n only, all applications with no disposition which a census tract is not shown. Total all figures obtained in the abo breakdown. B. Category B-Race Total by number only, all applicatio with no disposition, by the various race ca egories and criteria previously supplied. T total for all applications without a dispa tion broken down by race will equal total for all such applications under "C gory A Census Tracts" as well as all other categories. C. Category C-Sex Total by number only, all application with no disposition, by sex, using the sam criteria previously supplied. The total fori applications without a disposition und this category will equal the totals under th other categories. D. Category D-Marital Status Total by number only, all application with no disposition, by marital status, usin the same criteria previously supplied. Th total for all applications without a dispos tion under this category will equal th totals under all other categories. The totals in each category will be equa Example No. 199 = No. 299 = No. 399 = No. 499 Decision Centers Section 528.1(d) of the Federal Home Loan Bank System Regulations defines! "Decision Center" to mean a member inst tution's office where decisions are made to approve (on the terms requested, or & changed) or take any adverse action on ap plications for dwelling-related loans. Section 528.6(d) requires that: *** each member institution shall main tain, at each of its decision centers (defined in Section 528.1 of this part), separate, cur rent, readily accessible loan application ref isters for each of the following loan types made: one-to-four-family dwelling loans. mobile home loans, and home improvement and/or equipping loans. The decision center concept and the semiannual reporting requirement entail certain responsibilities for each decision center and for the main office of the association. These are as follows: 1. Individual Decision Center. a. Main tains its own loan application registers. b. Prepares its own Data Submission Re ports. c. Assures that each data Submission Re port's line items and totals conform with the arithmetic equalities required. d. An identifying number will be assigned to each decision center by the association. Decision centers must show this number on all Data Submission Reports. e. Data Submission Reports (and required copies) will be submitted only to the main office of the association by each decision center. One copy should be retained at the decision center. 2. Main Office. a. Assigns each decision center its own identifying number. b. Assures that each Data Submission Report received from a decision center shows the proper decision center number. c. Assures that Data Submission Reports balance as required. (See 1.c. above.) d. Makes sure that each decision center has submitted all required semiannual Data Submission Reports. e. Data Submission Reports should all be filed by the main office as follows: (1) The original of each report is to be filed with the Federal Home Loan Bank of which the institution is a member. (2) One additional copy of each report should be mailed to: Federal Home Loan Bank Board, Information Systems Division, 1700 G Street, N.W., Washington, D.C. 20552. The copy of the report mailed to Washington, D.C. is used to enter data into the computerized system. Accordingly, such data entry copy must be completely legible. Where carbon copies of reports are prepared, it is suggested that the first copy of the report be mailed to Washington for data entry. (3) One copy of each report should be filed with the District Director-Examiniations in the FHLBB District where the association is located. (f) Recordkeeping. For purposes of this part, each member institution shall retain records as required by 12 CFR 202.12 (Title VIII, Pub. L. 95-128, 91 Stat. 1147 (12 U.S.C. 2901); Title VII, Pub. L. 93-495 (15 U.S.C. 1691); Title VIII, Pub. L. 90-284, 82 Stat. 81 (42 U.S.C. 3601-3619), 16 Stat. 144, 14 Stat. 27 (42 U.S.C. 1981); EO 11063, 27 FR 11527; sec. 17, 47 Stat. 736, as amended (12 U.S.C. 1437); secs. 402, 403, 407, 48 Stat. 1256, 1257, 1260, as amended (12 U.S.C. 1725, 1726, 1730); sec. 5, 48 Stat. 132, as amended (12 U.S.C. 1464); Reorg. Plan No. 3 of 1947, 12 FR 4981, 3 CFR 1943-48 Comp., p. 1071) [43 FR 22335, May 25, 1978, as amended at 45 FR 31957, May 15, 1980] § 528.7 Nondiscrimination in employment. (a) No member institution shall, because of an individual's race, color, religion, sex, or national origin: (1) Fail or refuse to hire such individual; (2) Discharge such individual; (3) Otherwise discriminate against such individual with respect to such individual's compensation, promotion, or the terms, conditions, or privileges of such individual's employment; or (4) Discriminate in admission to, or employment in, any program of apprenticeship, training, or retraining, including on-the-job training. (b) No member institution shall limit, segregate, or classify its employees in any way which would deprive or tend to deprive any individual of employment opportunities or otherwise adversely affect such individual's status as an employee because of such individual's race, color, religion, sex, or national origin. (c) No member institution shall discriminate against any employee or applicant for employment because such employee or applicant has opposed any employment practice made unlawful by Federal, State, or local law or regulation or because he has in good faith made a charge of such practice or testified, assisted, or participated in any manner in an investigation, proceeding, or hearing of such practice by any lawfully constituted authority. (d) No member institution shall print or publish or cause to be printed or published any notice or advertisement relating to employment by such member institution indicating any preference, limitation, specification, or discrimination based on race, color, religion, sex, or national origin. (e) This regulation shall not apply in any case in which the Federal Equal Employment Opportunities law is made inapplicable by the provisions of section 2000e-1 or sections 2000e-2 (e) through (j) of Title 42, United States Code. (f) Any violation of the Department of the Treasury regulations, 41 CFR, Subpart 10-12.8-Equal Opportunity in Employment, as amended from time to time, by a member institution subject to such regulations shall be |