Home Mortgage Disclosure Act (HMDA) Aggregation Master Data

The Pre-1990 HMDA Aggregation Data were prepared annually during this period by the FFIEC on behalf of institutions reporting HMDA data. The Aggregation Data consists of home purchase and home improvement loans that a depository institution originated or purchased during each calendar year. The collected HMDA data were individually aggregated up to the tract level by the reporting depository institution and submitted accordingly to the FFIEC. Individual records are the summary of loan activity for the specified respondent for the indicated census tract except when the census tract numbers were either 888888 or 999999. The 888888 tract records are the sum of all loan activity by the reporter outside of the MSA being reported, but not appearing in any other MSA report. The 999999 tract records are the consolidated county summary data for loans made in untracted counties or counties with 1980 total population less than 30,000. The 1988 and 1989 Aggregation Data files include aggregated data from nondepository institutions, specifically mortgage banking subsidiaries of bank holding companies

Home Mortgage Disclosure Act TS and LAR Public Data

The LAR & TS data are collected by a financial institution as a result of applications for, and originations and purchases of, home-purchase loans (including refinancings) and home-improvement loans for each calendar year. The TS data contain specific information about the reporting institution, including respondent identification number used in the report, their supervisory agency code, respondent's name and address. The primary categories of each LAR record are data about the application and loan, action taken, property location, applicant information, and whether the loan was sold

Annual report /

Mode of access: Internet

3D-Auth: Two-Factor Authentication with Personalized 3D-Printed Items

Two-factor authentication is a widely recommended security mechanism and already offered for different services. However, known methods and physical realizations exhibit considerable usability and customization issues. In this paper, we propose 3D-Auth, a new concept of two-factor authentication. 3D-Auth is based on customizable 3D-printed items that combine two authentication factors in one object. The object bottom contains a uniform grid of conductive dots that are connected to a unique embedded structure inside the item. Based on the interaction with the item, different dots turn into touch-points and form an authentication pattern. This pattern can be recognized by a capacitive touchscreen. Based on an expert design study, we present an interaction space with six categories of possible authentication interactions. In a user study, we demonstrate the feasibility of 3D-Auth items and show that the items are easy to use and the interactions are easy to remember