Urban Institute Events New HMDA Data: What Can We Learn? (WebEx) Housing Finance Policy Center Lunchtime Data Talk Tuesday, October 6, 2015, 12:30 p.m. to 2:00 p.m. Urban Institute (See log-in details below) 

This month’s data talk investigates newly released 2014 data from the Home Mortgage Disclosure Act (HMDA). HMDA data provides the most comprehensive look at mortgage origination from the preceding year, and it is accompanied by an analysis from the Federal Reserve Board of Governors. Neil Bhutta has been one of the lead authors of the analysis for the last several years and will be our primary speaker. He will first discuss how lending patterns have changed for different demographic groups over time. He will also discuss the impact of the Ability to Repay Rule (ATR) and changes to rules under the Homeownership Equity Protection Act (HOEPA). Bhutta will also explain the evolution of different lender types, including the expansion of the nonbank role, and will focus on market share and mortgage and borrower characteristics. The other two presenters—CoreLogic’s Molly Boesel and the Urban Institute’s Bing Bai—will discuss HMDA applications. Boesel will introduce CoreLogic’s methodology for estimating mortgage origination (number of loans, dollar amount, and breakdown of refinances and purchases) with a much shorter lag than HMDA, with HMDA as the benchmark. Bai will discuss the Urban Institute’s mapping of loan origination by race and ethnicity, using HMDA data. Introduction: • Laurie Goodman, director, Housing Finance Policy Center, Urban Institute Presenters: • Bing Bai, research associate, Urban Institute • Neil Bhutta, senior economist, Division of Research and Statistics, Federal Reserve Board of Governors • Molly Boesel, senior economist, CoreLogic

For inquiries regarding this event, please contact Alison Rincon at . Event address for attendees: https://urbanevents.webex.com/urbanevents/onstage/g.php?MTID=e0cd82afa1cacc3a8d1d05a4ecd070834    Date and time: Tuesday, October 6, 2015 12:15 pm Eastern Daylight Time (New York, GMT-04:00) Duration: 2 hours Event number: 665 555 331 Event password: HousingFinance1 Host key: 429339 Audio conference: US TOLL +1-415-655-0003 Access code: 665 555 331