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A ten-digit number used to identify a HMDA reporting institution. RIDs often require leading zeros to meet the length requirement. For example, if the source number is 12345, the ten-digit RID number is 0000012345. The number, which is assigned by each supervisory/regulatory agency, along with the agency code keeps an institution separate and unique from another.
Beginning with the reporting of 2011 HMDA data, the RID number used by each agency for the depository and nondepository institutions as well as their agency code are shown in the table below. The RID and agency code rules below do not apply to the resubmission of 2010 HMDA data. If your institution has to resubmit 2010 HMDA data, use the RID number and agency code that was used on the initial 2010 HMDA report.
In situations where an acquisition or merger has occurred, please email [email protected] for assistance on determining the RID number and agency code.
Agency Depository Institutions Nondepository Institutions Agency Code CFPB1/ RSSD number Federal Tax ID number 9 FDIC2/ FDIC certificate number2/a/ Federal Tax ID number2/a/ 3 FRS2/ RSSD number RSSD number2/b/ 2 HUD Has no depository institutions Federal Tax ID number 7 NCUA Charter number Federal Tax ID number 5 OCC Charter number Federal Tax ID number 1 OTS2/ Docket number2/c/ Federal Tax ID number2/c/ 1
1/The Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010 (the Dodd-Frank Act) established the Consumer Financial Protection Bureau (CFPB) to consolidate in one agency certain federal consumer financial protection authorities previously held by seven transferor agencies. The functions of the Bureau include being the agency with HMDA reporting responsibility for very large banks, thrifts, credit unions (those with over $10 billion in assets) and their affiliates (including affiliates that are themselves banks, thrifts, or credit unions regardless of asset size and subsidiaries of such affiliates). Agency code nine (9) should be used by all CFPB reporters on their 2011 HMDA report.
2/According to the provisions of the Dodd-Frank Act, the OTS's functions were transferred to other agencies as of July 21, 2011. While most of its functions were transferred to the OCC, certain other authorities of the OTS transferred to the FDIC, the FRB, and the CFPB. For example, the OCC is the primary prudential regulator over all Federally-Chartered thrifts and their mortgage subsidiaries; the FDIC is the prudential regulator over all State-Chartered Thrifts and their mortgage subsidiaries; and the FRS is the prudential regulator over all Thrift Holding Company entities. The agency codes that should be used on the 2011 HMDA reports for OCC, FDIC, and FRS are one (1), three (3) and two (2), respectively.
2/a/Beginning with the reporting of 2011 HMDA data, those OTS State-Chartered thrifts that transferred to FDIC will use their appropriate FDIC Certificate number. The mortgage subsidiaries (nondepository institutions) of those State-Chartered thrifts that transferred to FDIC will use their Federal Tax ID number with the leading zero excluded and the hyphen included. Both institution types will use agency code three (3) for FDIC-regulated.
2/b/Beginning with the reporting of 2011 HMDA data, those mortgage subsidiaries (nondepository institutions) of Thrift Holding Company entities that transferred to FRS will use their RSSD ID with an agency code of 2.
2/c/There are changes regarding the RID number and its format of those OTS depository and nondepository institutions that transferred to OCC. Beginning with the reporting of 2011 HMDA data, the Federally-Chartered thrifts (depository institutions) will include 700000 + the docket number. Thus, if the docket number of the thrift was 367, the HMDA 10-digit RID number will be 0000700367. The mortgage subsidiaries (nondepository institutions) of those Federally-Chartered thrifts that transferred to OCC will use their Federal Tax ID number with the leading zero excluded and the hyphen included (for example NN-NNNNNNN). Both institution types will use agency code one (1) for OCC-regulated.Federal Financial Institutions Examination Council - Cite This Source - This Definition
- Browse Related Terms: Agency Code, Branch Office, Capitalization, Depository Institution, Federal Financial Institutions Examination Council (FFIEC), Federal Home Loan Bank Act of 1932, Federal Home Loan Bank Board (“FHLBank Board”), Federal Home Loan Banks (FHLBanks), Federal Housing Administration (FHA), Federal Savings and Loan Insurance Corporation (FSLIC), FHA Approved Lenders, Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA), Nondepository Institution, Respondent or Reporter ID (RID), Thrift