[dcsluder1]

I also had a question, does this apply to all consumer/business loans if the taxpayer brings his/her tax return in to the bank, does this apply?

[dcsluder1]

I have looked again and can’t find out the answer…we purchased part of a loan participation from another bank. It has always been my understanding we needed original signatures on the Participation Agreement, not a copy. Can any one answer this question and if we do need the original signatures is there a reason why?

[dcsluder1]

Yes we are exempt from HMDA reporting. I guess my question is under Reg B we are still required to collect the info (complete the Government Monitoring box) although we do nothing with the info since we do not report the HMDA data.

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