MPF Announcement 2018-41

The MPF Program Announces Loan Presentment Enhancements for Additional Loan and Borrower Demographic Details

Effective Date: October 2018

The MPF Program will be enhancing eMPF functionality to provide the means to support collection of additional loan and borrower details at the time of loan presentment.  The additional data points will be applicable to loans sold under the MPF Traditional (conventional and government), MPF Xtra, and MPF Government MBS loan products.  In late October 2018, functionality to collect the data points mentioned below will be implemented.

The following fields and corresponding enumerations will be added to the Interactive Loan Presentment screen on eMPF:

• Mortgage Insurance Premium Source:
  • Borrower
  • Lender

• Self Employed Indicator – Currently this field is a loan level indicator.In October, this information will be collected for each borrower on the loan.
• Citizenship/Residency:
  • US Citizen
  • Permanent Resident Alien
  • Non Permanent Resident Alien

For PFIs currently delivering loans through eMPF Batch using the ULDD XML format, these data points currently exist in the ULDD data set and no change is required for submission of this data.  Please see the following link for additional information on the current ULDD XML file: MPF Data Resources.

Consistent with the additional demographic details available in the Uniform Residential Loan Application (URLA) and to support those PFIs that have begun collecting the expanded demographic data, we will be adding flexibility to support delivery of either the current demographic information or the additional Ethnicity and Race data available in the URLA.

Additional data entry fields on the Interactive Loan Presentment screen on eMPF will be provided to capture ethnicity and race details collected by the PFI at loan application:

• Ethnicity – More granular field options will be available
• Examples: Mexican, Puerto Rican, Cuban

• Race – More granular field options will be available:
  • Examples: Asian Indian, Chinese, Japanese, Samoan

For PFIs currently delivering loans through eMPF Batch using the current ULDD XML format, or the updated ULDD XML format (required for the May 2019 mandate), the demographic related enumerations that exist in the ULDD data set are sufficient.  Our intention is to continue to align MPF Systems with future updates to ULDD so that data designations and enumerations are supported.

Universal Loan Identifier (ULI):

For PFIs that are subject to the expanded HMDA data under the Dodd-Frank Act, we will be providing fields for the entry of the Universal Loan Identifier (ULI) with the October 2018 release.  PFIs that are not subject to the expanded HMDA data are not expected to provide the ULI but may provide one, if available. 

The eMPF interactive screen will include fields to collect the ULI data point.  Due to the length of the ULI data point (up to 45 characters) and to facilitate delivery and data accuracy, fields will be available to support entry or copy/paste of either a single ULI data point or the various components of the ULI separately.  PFIs can utilize which ever method aligns best with the data available to the them. 

For PFIs currently delivering loans through eMPF Batch using the ULDD XML format that are required to obtain a ULI under the Dodd-Frank Act are subject to the expanded HMDA reporting requirements, please see a subsequent PFI announcement regarding the delivery of ULI. 

If you have any questions, please contact the MPF Service Center at (877) 345-2673.