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Since the Home Mortgage Disclosure Act changes every year, you need to refresh your knowledge about it annually. Mark Treichel delves into HMDA with expert Joe Goldberg. Together, they talk about the fundamentals of this act, why the government implements it, and why it must not be seen simply as a financial burden. Joe breaks down the criteria to meet and data points to collect to become eligible this 2022. He also discusses HMDA exemptions that would impact credit unions and the other agencies this act is being shared to by the authorities.