On September 25, the CFPB released the Filing Instructions Guide for HMDA data collected in 2020 that must be reported in 2021. The guide references changes to the submission process, and includes a reminder that, starting in 2020, “covered institutions that reported a combined total of at least 60,000 applications and covered loans in the preceding calendar year are required to report HMDA data quarterly. Instructions for quarterly reporting can be found in the Supplemental Quarterly Reporting Guide, which was issued the same day. The file format for submitting the HMDA data, along with the required data fields to be collected and reported, have not changed.