Fourth, the Federal Reserve supports efforts by other organizations to use the HMDA data to identify financial education and community development needs. The Federal Reserve also supports their efforts to respond to those needs. The Board’s decision to collect price information As I have said, it is a Board regulation, adopted under authority of HMDA, that requires lenders to disclose loan-price data.
While there are disagreements at the margins, there are also many areas of agreement on the appropriate uses of an aggregation approach. The IAIS’s Insurance Capital Standard (ICS) for internationally active insurance groups itself uses an aggregation approach to incorporate noninsurance risks.