In early October, the CFPB released its HMDA Beta Platform for data that will be collected in 2025. The 2025 HMDA Beta Platform allows financial institutions and vendors to test whether their sample loan/application register (LAR) data comply with the reporting requirements outlined in the Filing Instructions Guide for HMDA data collected in 2025.

The beta HMDA Platform is available to upload, test, and validate HMDA data. According to the CFPB, all data uploaded to the beta system is for testing purposes only and may be removed at any time. To test data using the beta platform, log in to https://ffiec.beta.cfpb.gov/filing/ and select 2025 from the dropdown. Financial institutions can use their log-in credentials from the previous filing periods or, if they have not previously filed data, establish log-in credentials and upload sample 2025 HMDA files to perform validation on their data. The final HMDA data needs to be filed into the live system when the filing period is open.

The HMDA Beta Platform can be accessed here.

Adam Witmer

Adam Witmer is a speaker, author, and founder of the Compliance Cohort. Adam has taught hundreds of seminars and training sessions to thousands of bankers throughout the United States and teaches on all areas of regulatory compliance. Adam has written five e-books that he never published, hit a grizzly bear while driving in a National Park, and is an award winning photographer and musician (though he no longer takes photos nor plays any instruments). In his spare time, Adam can be found kayaking on the lake, doing taekwondo with his kids, working on his (project) house, or spending time with his family.

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